SO
SOFI
Sep 30, 2023
Quarter ended Sep 30, 2023 · FY2023 Q3

SoFi Technologies, Inc. stock research

SoFi Technologies (SOFI) Free Cash Flow — Quarter Ended Sep 30, 2023

Revenue remained stable sequentially and improved year-over-year, yet operating cash flow and free cash flow were deeply negative and weakened versus the prior quarter. The free cash flow margin contracted significantly compared to the prior quarter but improved relative to the same quarter last year.

Free cash flow takeaway

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

Revenue remained stable sequentially and improved year-over-year, yet operating cash flow and free cash flow were deeply negative and weakened versus the prior quarter. The free cash flow margin contracted significantly compared to the prior quarter but improved relative to the same quarter last year.

  • Cash conversion remains negative, with operating cash flow and free cash flow at the same large negative value, indicating that revenue generation is not translating into positive cash flow after capital expenditure. The reported free cash flow margin is deeply negative, reflecting cash outflow substantially exceeding revenue.
  • Compared to the preceding quarter, operating cash flow and free cash flow became more negative, while revenue was higher. Versus the same quarter one year earlier, operating cash flow and free cash flow were less negative, revenue was higher, and the free cash flow margin improved.

FCF snapshot

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

TTM free cash flow

-$9.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

-$2.7B

Free cash flow in the selected fiscal quarter.

Operating cash flow

-$2.7B

Cash generated by operations before capital spending.

CapEx

$28.0M

Capital spending and related asset purchases.

FCF margin

-2586.7%

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
2022-12-31$99.6M-$2.4B$22.7M-$2.4B-2450.2%
2023-03-31$95.5M-$2.2B$23.7M-$2.2B-2342.3%
2023-06-30$104.7M-$2.1B$25.4M-$2.1B-2010.9%
2023-09-30$104.9M-$2.7B$28.0M-$2.7B-2586.7%

Cash conversion quality

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

FCF / net income1017.9%Shows whether accounting earnings convert into cash.
CapEx / revenue26.7%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

Persistent Negative Operating Cash Flow

Operating cash flow fell further into negative territory from the prior quarter and is the primary factor behind the large negative free cash flow. This trend is the strongest observable driver of the quarter's cash flow performance.

Sustained negative operating cash flow continues to weigh on free cash flow and the overall cash conversion profile.

What the cash flow says

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

Cash conversion remains negative, with operating cash flow and free cash flow at the same large negative value, indicating that revenue generation is not translating into positive cash flow after capital expenditure. The reported free cash flow margin is deeply negative, reflecting cash outflow substantially exceeding revenue.

Compared to the preceding quarter, operating cash flow and free cash flow became more negative, while revenue was higher. Versus the same quarter one year earlier, operating cash flow and free cash flow were less negative, revenue was higher, and the free cash flow margin improved.

Monitor the trajectory of operating cash flow, which is the single largest driver of free cash flow and remains deeply negative.