SoFi Technologies (SOFI) 10-K Summaries & Annual Filing History
Review SoFi Technologies, Inc. (SOFI) 10-K filings from 2023 through the latest annual report, including business, financial performance, risks, and liquidity.
Key takeaway
Year ended Dec 31, 2025 · FY2025 10-K
SoFi Technologies, Inc. filed its annual report for the most recent fiscal year. The filing describes the company's business, risk factors, and financial condition.
Financial snapshot
Selected annual figures reported with the filing, shown separately from the narrative summary.
Annual revenue
$619.4M
Revenue reported for the fiscal year.
Operating income
n/a
Income from operations reported for the year.
Net income
$481.3M
Net income reported for the year.
Operating cash flow
-$3.7B
Cash generated by operating activities.
Annual revenue trend
Reported annual revenue and its change from the preceding fiscal year.
| Period ended | Revenue | Year-over-year change |
|---|---|---|
| Dec 31, 2021 | $247.7M | n/a |
| Dec 31, 2022 | $377.1M | +52.2% |
| Dec 31, 2023 | $421.5M | +11.8% |
| Dec 31, 2024 | $503.1M | +19.4% |
| Dec 31, 2025 | $619.4M | +23.1% |
Business overview
SoFi Technologies operates a digital financial services platform offering lending, financial services, and technology platform solutions. The company originates loans and provides deposit, investment, and insurance products through its mobile app and website.
Financial performance
Revenue increased compared to the prior year. Net income was reported as positive. Operating cash flow was negative for the period.
Material risks
The company faces risks related to its warehouse facilities and securitizations, including early amortization or default events that could reduce funding for new loans. Such events could require reliance on alternative financing, increase costs, or force the company to hold loans on its balance sheet, potentially impairing growth.
Liquidity and capital
The filing discusses liquidity and capital resources, noting that early amortization or default events under warehouse facilities could limit available funds for loan origination. The company may need to seek alternative funding sources if such events occur.
What to watch
Monitor any changes in the company's warehouse facility agreements or securitization terms that could affect funding availability.