SoFi Technologies, Inc.

SOFI

SOFISoFi Technologies, Inc. US flag

NASDAQ Global Select

17.29

USD

+0.19

- -

22.18BMarket Cap

Income Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	269	443	566	985	1,574	2,108	2,612	3,613
+ Sales & Services Revenue	269	443	566	985	1,574	2,108	2,612	3,613
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	335	418	514	925	1,119	1,230	1,396	1,800
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-335	-418	-514	-925	-1,119	-1,230	-1,396	-1,800
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	253	240	329	481	319	301	-233	-526
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	253	240	329	481	319	301	-233	-526
Pretax Income	-253	-240	-329	-481	-319	-301	233	526
- Income Tax Expense (Benefit)	-1	- -	-104	3	2	- -	-265	45
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-252	-240	-224	-484	-320	-301	499	481
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-252	-240	-224	-484	-320	-301	499	481
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-252	-240	-224	-484	-320	-301	499	481
- Preferred Dividends	- -	24	41	40	40	40	17	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-252	-264	-265	-524	-361	-341	482	481
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	11	16	70	102	151	201	203	234
EBITDA Margin (%)	4.05	3.6	12.35	10.31	9.62	9.55	7.79	6.48
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-93.69	-54.15	-39.62	-49.14	-20.36	-14.27	19.09	13.32
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	0.21	0.35	0.08	0.04	0.04	0.02	- -
Depreciation Expense	11	16	70	102	151	201	203	234
Basic Weighted Avg Shares	116	116	116	527	901	945	1,050	1,150
Basic EPS, GAAP	-2.17	-2.27	-2.28	-1	-0.4	-0.36	0.46	0.42
Basic EPS from Cont Ops	-2.17	-2.06	-1.93	-0.92	-0.36	-0.32	0.47	0.42
Diluted Weighted Avg Shares	116	116	116	527	901	945	1,101	1,252
Diluted EPS, GAAP	-2.17	-2.27	-2.28	-1	-0.4	-0.36	0.44	0.38
Diluted EPS from Cont Ops	-2.17	-2.06	-1.93	-0.92	-0.36	-0.32	0.45	0.38

Balance Sheet (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	- -	499	873	690	1,461	3,586	4,342	7,360
+ Cash & Cash Equivalents	- -	499	873	495	1,422	3,085	2,538	4,929
+ ST Investments	- -	- -	- -	195	39	501	1,804	2,431
+ Accounts & Notes Receiv	- -	21	18	86	127	170	587	893
+ Accounts Receivable, Net	- -	12	23	86	127	170	587	893
+ Notes Receivable, Net	- -	9	18	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	-23	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	-521	-891	-775	-1,588	-3,756	-4,930	-8,254
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	161	198	227	267	307	369	510
+ Property, Plant & Equip	- -	179	237	282	368	481	586	798
- Accumulated Depreciation	- -	18	39	54	101	175	217	287
+ LT Investments & Receivables	- -	758	604	595	420	725	1,938	2,680
+ LT Investments	- -	758	604	595	420	725	1,938	2,680
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	-919	-803	-822	-687	-1,031	-2,307	-3,191
+ Total Intangible Assets	- -	229	1,404	1,351	2,215	1,938	2,033	2,004
+ Goodwill	- -	16	899	899	1,623	1,394	1,394	1,394
+ Other Intangible Assets	- -	213	505	453	592	545	640	610
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	-1,148	-2,207	-2,174	-2,902	-2,969	-4,340	-5,194
Total Assets	- -	7,289	8,563	9,176	19,008	30,075	36,251	50,660
+ Payables & Accruals	- -	104	453	252	291	362	387	454
+ Accounts Payable	- -	104	453	158	145	160	122	90
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	94	146	202	265	364
+ ST Debt	- -	161	486	498	486	486	486	486
+ ST Borrowings	- -	161	486	498	486	486	486	486
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-265	-939	-750	-777	-848	-873	-940
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-265	-939	-750	-777	-848	-873	-940
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	4,924	4,571	3,697	5,148	4,877	2,718	1,449
+ LT Borrowings	- -	4,799	4,431	3,544	5,017	4,755	2,607	1,330
+ LT Finance Leases	- -	125	140	153	131	122	111	119
+ Other LT Liabilities	- -	-4,924	-4,571	-3,697	-5,148	-4,877	-2,718	-1,449
+ Accrued Liabilities	- -	- -	- -	4	67	46	28	30
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-4,924	-4,571	-3,701	-5,215	-4,923	-2,746	-1,479
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	- -	5,188	5,510	4,479	13,479	24,520	29,726	40,171
+ Preferred Equity and Hybrid Capital	- -	2,440	3,174	320	320	320	- -	- -
+ Share Capital & APIC	- -	136	579	5,562	6,720	7,040	7,839	11,303
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	136	579	5,562	6,720	7,040	7,839	11,303
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	- -	-475	-699	-1,183	-1,504	-1,804	-1,306	-824
+ Other Equity	- -	- -	- -	-1	-8	-1	-8	11
Equity Before Minority Interest	- -	2,101	3,054	4,698	5,528	5,555	6,525	10,489
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	- -	2,101	3,054	4,698	5,528	5,555	6,525	10,489
Total Liabilities & Equity	- -	7,289	8,563	9,176	19,008	30,075	36,251	50,660
Shares Outstanding	- -	811	811	828	934	976	1,095	1,271
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	125	140	153	131	122	111	119
Net Debt	- -	4,461	4,045	3,547	4,081	2,156	555	-3,114
Net Debt to Equity	- -	212.35	132.46	75.5	73.82	38.81	8.51	-29.68
Tangible Common Equity Ratio	- -	-8.05	-21.29	38.67	17.82	11.72	13.13	17.44
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	-252	-240	-224	-484	-320	-301	499	481
+ Depreciation & Amortization	11	16	70	102	151	201	203	234
+ Non-Cash Items	37	99	72	377	409	510	-209	-19
+ Stock-Based Compensation	43	61	100	239	306	271	246	262
+ Deferred Income Taxes	-1	- -	-105	1	-3	-16	-287	16
+ Asset Impairment Charge	- -	- -	- -	- -	- -	247	- -	- -
+ Other Non-Cash Adj	-6	38	77	137	106	7	-168	-298
+ Chg in Non-Cash Work Cap	1,228	70	-397	-1,345	-7,496	-7,637	-1,613	-4,438
+ (Inc) Dec in Accts Receiv	- -	-3	1	1	- -	-74	-24	-45
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	13	2	95	-9	6	42	24	- -
+ Inc (Dec) in Other	1,215	71	-494	-1,338	-7,502	-7,605	-1,612	-4,393
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	1,023	-55	-479	-1,350	-7,256	-7,227	-1,120	-3,742
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-14	-38	-25	-52	-93	-111	-154	-242
+ Acq of Fixed Prod Assets	-14	-38	-25	-52	-93	-111	-154	-242
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-9	370	-283	- -	- -	- -	3,186
+ Increase in Capital Stock	- -	- -	370	- -	- -	- -	- -	3,186
+ Decrease in Capital Stock	- -	-9	- -	-283	- -	- -	- -	- -
+ Net Change in LT Investment	1	162	324	146	113	-334	-1,152	-579
+ Dec in LT Investment	102	165	324	414	158	533	1,077	1,192
+ Inc in LT Investment	-100	-4	- -	-268	-45	-867	-2,228	-1,770
+ Net Cash From Acq & Div	- -	- -	-32	- -	59	-72	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	59	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	-32	- -	- -	-72	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	-9	-8	17	-184	-1,372	-3,515	-5,898
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-12	115	259	110	-106	-1,890	-4,821	-6,719
+ Dividends Paid	- -	-24	-41	-40	-40	-40	-17	- -
+ Net Cash From Debt	-932	-368	525	-908	1,342	-280	-1,491	-1,287
+ Cash From Debt	13,703	12,458	1,636	1,192	1,858	521	845	- -
+ Repayments of Debt	-14,634	-12,826	-1,111	-2,100	-517	-800	-2,336	-1,287
+ Other Financing Activities	-23	494	- -	1,917	7,138	11,206	6,542	11,210
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-955	93	854	685	8,439	10,886	5,035	13,109
Effect of Foreign Exchange Rates	- -	- -	- -	- -	1	1	- -	- -
Net Changes in Cash	56	153	633	-555	1,077	1,769	-906	2,648
EBITDA	11	16	70	102	151	201	203	234
EBITDA Margin (%)	4.05	3.6	12.35	10.31	9.62	9.55	7.79	6.48
Free Cash Flow	1,010	-92	-504	-1,402	-7,349	-7,339	-1,274	-3,985
Net Cash Paid for Acquisitions	- -	- -	32	- -	-59	72	- -	- -
Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	-3,985
Free Cash Flow to Equity	- -	1,956	714	-5,205	-6,048	-7,659	-3,102	-5,272
Free Cash Flow per Basic Share	8.69	-0.79	-4.34	-2.66	-8.16	-7.77	-1.21	-3.46
Price/Free Cash Flow	- -	- -	-3.18	-6.42	-0.58	-1.32	-17.57	-9.36
Cash Flow to Net Income	-4.05	0.23	2.14	2.79	22.65	24.03	-2.25	-7.78
Capital Expenditures	-14	-38	-25	-52	-93	-111	-154	-242