SO
SOFI
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

SoFi Technologies, Inc. stock research

SoFi Technologies (SOFI) Free Cash Flow — Quarter Ended Jun 30, 2025

Revenue increased from both the prior quarter and the same quarter last year. However, operating cash flow turned deeply negative, leading to a significantly lower free cash flow margin compared to the preceding quarter.

Free cash flow takeaway

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

Revenue increased from both the prior quarter and the same quarter last year. However, operating cash flow turned deeply negative, leading to a significantly lower free cash flow margin compared to the preceding quarter.

  • Despite higher revenue, operating cash flow was a large negative outflow, which drove free cash flow negative and compressed the free cash flow margin to a much weaker level.
  • Compared to the immediately preceding quarter, operating cash flow shifted from positive to a large negative, and free cash flow worsened alongside a sharp drop in margin. Versus the same quarter one year earlier, operating cash flow and free cash flow both improved from even larger negative figures, though they remained negative this quarter.

FCF snapshot

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

TTM free cash flow

-$3.0B

Trailing twelve-month free cash flow.

Quarter free cash flow

-$1.5B

Free cash flow in the selected fiscal quarter.

Operating cash flow

-$1.5B

Cash generated by operations before capital spending.

CapEx

$63.5M

Capital spending and related asset purchases.

FCF margin

-1007.6%

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
2024-09-30$131.2M-$1.2B$43.3M-$1.2B-927.3%
2024-12-31$135.5M-$200.1M$42.3M-$242.4M-178.9%
2025-03-31$140.4M$21.5M$52.6M-$31.1M-22.2%
2025-06-30$151.9M-$1.5B$63.5M-$1.5B-1007.6%

Cash conversion quality

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

FCF / net income-1573.4%Shows whether accounting earnings convert into cash.
CapEx / revenue41.8%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 Volatility

Operating cash flow deteriorated sharply from the prior quarter, reversing a positive position and becoming a substantial outflow. This change is the primary factor behind the negative free cash flow and the much lower margin.

The large negative operating cash flow drove free cash flow to a deep negative, outweighing the benefit of higher revenue.

What the cash flow says

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

Despite higher revenue, operating cash flow was a large negative outflow, which drove free cash flow negative and compressed the free cash flow margin to a much weaker level.

Compared to the immediately preceding quarter, operating cash flow shifted from positive to a large negative, and free cash flow worsened alongside a sharp drop in margin. Versus the same quarter one year earlier, operating cash flow and free cash flow both improved from even larger negative figures, though they remained negative this quarter.

Monitor the trend in operating cash flow, as its movement from positive to a large negative is the most significant swing in the cash conversion chain.