Company / Free Cash Flow
SoFi Technologies, Inc. Free Cash Flow History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
-$4.0B
FY2025
5-year range
-$7.3B / -$1.3B
FY2021-FY2025
Trend
-212.8%
vs FY2024
Sector context
#293 of 296
Financials
What the data says
Free Cash Flow changed -213% YoY in FY2025, a notable deviation from the 6-year average annual change of -196%.
Based on SEC 10-K filings.
-$4.0B in FY2025.
Improved from -$7.3B to -$4.0B over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 1% in FinancialsTop 99% of 296This company -$4.0B Sector average $616.2M
▼
-746.7% below sector average
Key checks
Key Insights
- In FY2025, free cash flow decreased 212.8% year-over-year.
- Ranks #293 out of 296 companies in the Financials sector.
- Peak free cash flow was recorded in FY2019.
- Lowest free cash flow in the period was in FY2022.
Company context
Key Data Points
- Low Piotroski F-Score: 1/9 (multiple financial health concerns)
- Altman Z-Score 0.17 (distress zone, below 1.8 threshold)
- Low earnings quality (accrual-heavy earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$4.0B | -212.8% |
| FY2024 | -$1.3B | +82.6% |
| FY2023 | -$7.3B | +0.1% |
| FY2022 | -$7.3B | -424.0% |
| FY2021 | -$1.4B | -178.3% |
| FY2020 | -$503.9M | -445.8% |
| FY2019 | -$92.3M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026