SO
SOFI
Sep 30, 2024
Quarter ended Sep 30, 2024 · FY2024 Q3

SoFi Technologies, Inc. stock research

SoFi Technologies (SOFI) Free Cash Flow — Quarter Ended Sep 30, 2024

Free cash flow remained deeply negative, driven almost entirely by a large operating cash outflow. Revenue grew versus both prior periods, but the cash conversion gap widened significantly from the previous quarter.

Free cash flow takeaway

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

Free cash flow remained deeply negative, driven almost entirely by a large operating cash outflow. Revenue grew versus both prior periods, but the cash conversion gap widened significantly from the previous quarter.

  • The operating cash outflow exceeded revenue, resulting in a negative free cash flow margin that was weaker than the prior quarter but improved from a year earlier. Capital expenditure was a minor factor compared to the operating cash drain.
  • Compared to the preceding quarter, operating cash flow worsened substantially, while free cash flow margin declined. Versus the same quarter one year ago, operating cash flow improved and the free cash flow margin strengthened.

FCF snapshot

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

TTM free cash flow

-$1.3B

Trailing twelve-month free cash flow.

Quarter free cash flow

-$1.2B

Free cash flow in the selected fiscal quarter.

Operating cash flow

-$1.2B

Cash generated by operations before capital spending.

CapEx

$43.3M

Capital spending and related asset purchases.

FCF margin

-927.3%

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
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%
2024-06-30$120.8M-$484.4M$36.7M-$521.1M-431.4%
2024-09-30$131.2M-$1.2B$43.3M-$1.2B-927.3%

Cash conversion quality

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

FCF / net income-2003.3%Shows whether accounting earnings convert into cash.
CapEx / revenue33.0%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

Large Operating Cash Outflow

The operating cash flow was the primary reason for the negative free cash flow, far exceeding the moderate capital expenditure. Revenue grew but was not converted into operating cash.

Until operating cash flow turns positive, free cash flow will remain deeply negative regardless of revenue growth.

What the cash flow says

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

The operating cash outflow exceeded revenue, resulting in a negative free cash flow margin that was weaker than the prior quarter but improved from a year earlier. Capital expenditure was a minor factor compared to the operating cash drain.

Compared to the preceding quarter, operating cash flow worsened substantially, while free cash flow margin declined. Versus the same quarter one year ago, operating cash flow improved and the free cash flow margin strengthened.

Monitor the magnitude of operating cash outflows, which drove the entire free cash flow deficit.