SO
SOFI
Mar 31, 2023
Quarter ended Mar 31, 2023 · FY2023 Q1

SoFi Technologies, Inc. stock research

SoFi Technologies (SOFI) Free Cash Flow — Quarter Ended Mar 31, 2023

Revenue decreased slightly from the prior quarter and increased from the same quarter last year. Free cash flow and operating cash flow were deeply negative, with free cash flow margin improving from the prior quarter but worsening significantly year over year.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue decreased slightly from the prior quarter and increased from the same quarter last year. Free cash flow and operating cash flow were deeply negative, with free cash flow margin improving from the prior quarter but worsening significantly year over year.

  • Revenue was positive, yet operating cash flow and free cash flow were deeply negative, yielding a highly negative free cash flow margin. Capital expenditure was small relative to revenue, so cash conversion was primarily driven by the large negative operating cash flow.
  • Compared to the prior quarter, revenue was lower and operating cash flow and free cash flow less negative, resulting in an improved free cash flow margin. Compared to the same quarter last year, revenue was higher but operating cash flow and free cash flow were more negative, leading to a weakened free cash flow margin.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

-$8.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

-$2.2B

Free cash flow in the selected fiscal quarter.

Operating cash flow

-$2.2B

Cash generated by operations before capital spending.

CapEx

$23.7M

Capital spending and related asset purchases.

FCF margin

-2342.3%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2022-06-30$98.4M-$945.5M$21.9M-$967.4M-982.9%
2022-09-30$102.0M-$2.9B$23.4M-$2.9B-2846.7%
2022-12-31$99.6M-$2.4B$22.7M-$2.4B-2450.2%
2023-03-31$95.5M-$2.2B$23.7M-$2.2B-2342.3%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income6497.2%Shows whether accounting earnings convert into cash.
CapEx / revenue24.8%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Watch

Operating Cash Flow Weakness

Despite higher revenue year over year, operating cash flow became more negative, significantly reducing free cash flow and margin. The filing indicates the company maintains a policy for liquidity risk management, but does not explain the specific drivers of the cash outflow.

Negative operating cash flow deeply constrained free cash flow, resulting in a significantly negative free cash flow margin for the quarter.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was positive, yet operating cash flow and free cash flow were deeply negative, yielding a highly negative free cash flow margin. Capital expenditure was small relative to revenue, so cash conversion was primarily driven by the large negative operating cash flow.

Compared to the prior quarter, revenue was lower and operating cash flow and free cash flow less negative, resulting in an improved free cash flow margin. Compared to the same quarter last year, revenue was higher but operating cash flow and free cash flow were more negative, leading to a weakened free cash flow margin.

Monitor the magnitude of negative operating cash flow, as it is the primary driver of the deeply negative free cash flow generation.