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Company Dossier · Financials

SoFi

SOFINasdaqWILMINGTON, US-DE, USLarge cap
  • Russell 1000

What SoFi is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.

Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →

The latest read

Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.

  • Revenue over the four quarters to June 30, 2026: $0.61 billion, up 8.9% from a year earlier.SEC EDGAR filings (XBRL)
  • Free cash flow (operating cash flow minus capital expenditure) over the four quarters to June 30, 2026: −$8.79 billion.SEC EDGAR filings (XBRL)
  • Capital expenditure over the four quarters to June 30, 2026: $0.29 billion, up 45% from a year earlier.SEC EDGAR filings (XBRL)
  • Long-term debt issued in the fiscal year to December 31, 2021: $9.52 billion.SEC EDGAR filings (10-K)
  • Latest earnings call or results release (July 29, 2026): sentiment 0.90 on a −1 to +1 scale (confident, opportunity-framed), confidence 0.90 of 1.Palanor Discourse
  • Guidance in the last 90 days: 1 outlook figure raised, 0 lowered, 6 held.Guidance Ledger (8-K results releases)
  • Latest annual report (filed February 17, 2026): 7 risk factors added, 1 removed.Risk Factor Changes (10-K Item 1A)
  • Insiders were net sellers in Q3 2026: $0.9 million on the open market.SEC Form 4
  • 924 institutional managers reported a position at June 30, 2026 (−3 on the quarter before).SEC Form 13F
  • H-1B filings certified in Q2 2026: 103 (89 a year earlier).U.S. Department of Labor (OFLC)

Company Posture covers S&P 500 companies.

No bond term sheets or tagged debt on file for SoFi yet.

Charts

Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.

Cash flow

Business

SoFi: free cash flow, trailing twelve months

Operating cash flow minus capital expenditure, $ billions, from SEC filings

−$8.8BData to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: operating cash flow and capital expenditure

Trailing twelve months, $ billions, from SEC filings

Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: revenue, trailing twelve months

$ billions, from SEC filings

$0.61BData to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

Capital returned and raised

Business

SoFi: share buybacks by fiscal year

Cash paid to repurchase common stock, $ billions, from the 10-K

$0.00BData to Dec 2023
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: debt issued and repaid by fiscal year

Long-term debt, $ billions, from the 10-K

Data to Dec 2021
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: debt due within a year and cash

At each balance-sheet date, $ billions, from SEC filings

Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: interest coverage

Operating income ÷ interest expense, trailing twelve months, from SEC filings

0.8Data to Mar 2024
ImageDataU.S. Securities and Exchange Commission, EDGAR

What the company says

Business

SoFi: guidance raised minus lowered

Guidance Ledger statements by quarter

1.0Data 23 days ago
ImageDataGuidance Ledger by Palanor · source: SEC EDGAR
Business

SoFi: earnings call sentiment

Palanor Discourse score per call, −1 to +1

0.90Data to Jul 2026
ImageDataPalanor calculation
Business

SoFi: earnings call confidence

Palanor Discourse score per call, 0 to 1

0.90Data to Jul 2026
ImageDataPalanor calculation
Business

SoFi: risk factors added per annual report

New Item 1A risk factors in each 10-K

7.0Data to Feb 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: net interest margin

KPI Ledger, as reported in the company's results releases, %

5.9Data to Mar 2026
ImageDataKPI Ledger by Palanor · source: SEC EDGAR

Hiring and ownership

Business

SoFi: H-1B filings certified

Labor Condition Applications by quarter received

103.0Data to Jun 2026
ImageDataU.S. Department of Labor, Office of Foreign Labor Certification disclosure data, dol.gov
Business

SoFi: insider net buying

Open-market purchases minus sales by officers and directors, $ millions, by quarter

−$0.9MData 23 days ago
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

SoFi: institutional holders

Managers reporting a position on Form 13F, by quarter

924Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

In the news

Headlines that name SoFi, with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.

30 days
2 headlines
0% positive · 0% negative
90 days
2 headlines
0% positive · 0% negative

Filings and records

The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.

  1. Oct 20, 2026Lobbying
    Lobbying report (RICH FEUER ANDERSON)third_quarter 2026 · $0.1 million
  2. Oct 20, 2026Lobbying
    Lobbying report (BGR GOVERNMENT AFFAIRS)third_quarter 2026 · $0.1 million
  3. Oct 16, 2026Lobbying
    Lobbying report (SOFI TECHNOLOGIES, INC.)third_quarter 2026 · $0.3 million
  4. Jul 20, 2026Lobbying
    Lobbying report (BGR GOVERNMENT AFFAIRS)second_quarter 2026 · $0.1 million
  5. Jul 17, 2026Lobbying
    Lobbying report (SOFI TECHNOLOGIES, INC.)second_quarter 2026 · $0.4 million
  6. Jul 15, 2026Lobbying
    Lobbying report (RICH FEUER ANDERSON)second_quarter 2026 · $0.1 million
  7. Jun 18, 20268-K
  8. Apr 21, 2026Lobbying
    Lobbying report (RICH FEUER ANDERSON)first_quarter 2026 · $0.1 million
  9. Apr 20, 2026Lobbying
    Lobbying report (BGR GOVERNMENT AFFAIRS)first_quarter 2026 · $0.1 million
  10. Feb 17, 202610-K
    Annual report (10-K)7 risk factors added, 1 removed
  11. Jan 9, 20268-K
  12. Dec 4, 20258-K
  13. May 30, 20258-K
  14. Mar 27, 20258-K
  15. Feb 24, 202510-K
    Annual report (10-K)2 risk factors added, 3 removed
  16. Jan 10, 20258-K
  17. Mar 12, 2024Patent
  18. Feb 27, 202410-K
    Annual report (10-K)4 risk factors added, 5 removed

Peers

Companies in the same sector in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.

CompanyRevenueFree cash flowThrough
Virtu Financial VIRT$0.7B$0.5BJun 30, 2026
Zions Bancorporation ZION$0.5B$1.7BJun 30, 2026
Figure Technology Solutions FIGR$0.7B—Jun 30, 2026
Hamilton Lane HLNE$0.9B$0.4BJun 30, 2026
MarketAxess MKTX$0.9B$0.2BJun 30, 2026
First Hawaiian, Inc. FHB$0.9B$0.3BJun 30, 2026
Assured Guaranty AGO$0.9B—Jun 30, 2026
MGIC Investment Corporation MTG$1.2B$0.7BJun 30, 2026

Identity

SEC CIK
1818874

Built from SEC EDGAR filings (public domain), the Guidance and KPI Ledgers, Palanor Discourse, U.S. Department of Labor filings, USPTO, USAspending and Senate lobbying records, and rights-checked news headlines. Updated nightly; this page was built Oct 22, 2026. How the Dossier is built

S&P 500, S&P 100, S&P MidCap 400 and Dow Jones Industrial Average are trademarks of S&P Dow Jones Indices LLC or its affiliates; Nasdaq-100 is a trademark of Nasdaq, Inc.; Russell 1000 is a trademark of FTSE Russell. Membership is shown for identification only. Palanor is not affiliated with or endorsed by the index owners.

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