Company / Operating Cash Flow
SoFi Technologies, Inc. Operating Cash Flow History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
-$3.7B
FY2025
5-year range
-$7.3B / -$1.1B
FY2021-FY2025
Trend
-234.2%
vs FY2024
Sector context
#397 of 405
Financials
What the data says
Operating Cash Flow changed -234% YoY in FY2025, a notable deviation from the 6-year average annual change of -257%.
Based on SEC 10-K filings.
-$3.7B in FY2025.
Improved from -$7.2B to -$3.7B over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 2% in FinancialsTop 98% of 405This company -$3.7B Sector average $611.8M
▼
-711.7% below sector average
Key checks
Key Insights
- In FY2025, operating cash flow decreased 234.2% year-over-year.
- Ranks #397 out of 405 companies in the Financials sector.
- Peak operating cash flow was recorded in FY2019.
- Lowest operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$3.7B | -234.2% |
| FY2024 | -$1.1B | +84.5% |
| FY2023 | -$7.2B | +0.4% |
| FY2022 | -$7.3B | -437.4% |
| FY2021 | -$1.4B | -181.7% |
| FY2020 | -$479.3M | -775.8% |
| FY2019 | -$54.7M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026