SO
SOFI
Mar 31, 2024
Quarter ended Mar 31, 2024 · FY2024 Q1

SoFi Technologies, Inc. stock research

SoFi Technologies (SOFI) Free Cash Flow — Quarter Ended Mar 31, 2024

Free cash flow turned strongly positive from negative in both the prior quarter and the year-ago quarter, driven by a large swing in operating cash flow. Revenue remained nearly stable sequentially while operating cash flow improved dramatically.

Free cash flow takeaway

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

Free cash flow turned strongly positive from negative in both the prior quarter and the year-ago quarter, driven by a large swing in operating cash flow. Revenue remained nearly stable sequentially while operating cash flow improved dramatically.

  • Revenue was nearly unchanged sequentially, yet operating cash flow moved from a large outflow to a large inflow, and free cash flow margin turned from deeply negative to a high positive figure. Capital expenditure was slightly lower than the prior quarter but higher than a year ago.
  • Compared to the immediately preceding quarter, free cash flow improved from a large deficit to a substantial surplus. Versus the same quarter one year earlier, free cash flow also reversed from a massive negative to a sizeable positive, with revenue higher.

FCF snapshot

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

TTM free cash flow

-$4.4B

Trailing twelve-month free cash flow.

Quarter free cash flow

$706.3M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$738.2M

Cash generated by operations before capital spending.

CapEx

$32.0M

Capital spending and related asset purchases.

FCF margin

610.9%

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
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%
2023-12-31$116.3M-$247.9M$34.3M-$282.2M-242.6%
2024-03-31$115.6M$738.2M$32.0M$706.3M610.9%

Cash conversion quality

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

FCF / net income802.2%Shows whether accounting earnings convert into cash.
CapEx / revenue27.7%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.

Supportive

Operating Cash Flow Turnaround

Operating cash flow shifted from a significant outflow in both comparison quarters to a large inflow in the current quarter, driving the free cash flow improvement. This is the strongest observable change among the reported metrics.

It enabled free cash flow to turn sharply positive and significantly raised the free cash flow margin.

What the cash flow says

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

Revenue was nearly unchanged sequentially, yet operating cash flow moved from a large outflow to a large inflow, and free cash flow margin turned from deeply negative to a high positive figure. Capital expenditure was slightly lower than the prior quarter but higher than a year ago.

Compared to the immediately preceding quarter, free cash flow improved from a large deficit to a substantial surplus. Versus the same quarter one year earlier, free cash flow also reversed from a massive negative to a sizeable positive, with revenue higher.

Monitor whether operating cash flow can sustain this level of inflow given the volatility exhibited in prior quarters.