SO
SOFI
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

SoFi Technologies, Inc. stock research

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

Revenue increased versus the prior quarter and the year-ago quarter, while operating cash flow was negative and free cash flow margin was negative. Free cash flow was lower than the prior quarter and slightly higher than the year-ago quarter.

Free cash flow takeaway

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

Revenue increased versus the prior quarter and the year-ago quarter, while operating cash flow was negative and free cash flow margin was negative. Free cash flow was lower than the prior quarter and slightly higher than the year-ago quarter.

  • Revenue was positive but operating cash flow was deeply negative, resulting in a negative free cash flow margin. Capital expenditure was present, and free cash flow was lower than operating cash flow, reflecting the cash outflows from investing in long-term assets.
  • Compared to the immediately preceding quarter, revenue improved, operating cash flow was less negative, capital expenditure was lower, and free cash flow margin was less negative. Compared to the same quarter one year earlier, revenue was higher, operating cash flow was more negative, capital expenditure was higher, and free cash flow margin was less negative.

FCF snapshot

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

TTM free cash flow

-$3.2B

Trailing twelve-month free cash flow.

Quarter free cash flow

-$1.4B

Free cash flow in the selected fiscal quarter.

Operating cash flow

-$1.3B

Cash generated by operations before capital spending.

CapEx

$60.0M

Capital spending and related asset purchases.

FCF margin

-871.1%

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
2024-12-31$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%
2025-09-30$156.8M-$1.3B$60.0M-$1.4B-871.1%

Cash conversion quality

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

FCF / net income-979.9%Shows whether accounting earnings convert into cash.
CapEx / revenue38.3%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

Negative Operating Cash Flow

Revenue grew both sequentially and year-over-year, but operating cash flow was negative in all periods, driving free cash flow negative. The free cash flow margin improved slightly versus the prior quarter and the year-ago quarter, but remained deeply negative.

The negative operating cash flow was the primary factor that kept free cash flow negative despite revenue growth.

What the cash flow says

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

Revenue was positive but operating cash flow was deeply negative, resulting in a negative free cash flow margin. Capital expenditure was present, and free cash flow was lower than operating cash flow, reflecting the cash outflows from investing in long-term assets.

Compared to the immediately preceding quarter, revenue improved, operating cash flow was less negative, capital expenditure was lower, and free cash flow margin was less negative. Compared to the same quarter one year earlier, revenue was higher, operating cash flow was more negative, capital expenditure was higher, and free cash flow margin was less negative.

Monitor the trajectory of operating cash flow, as it remained negative and was a stronger drag on free cash flow than capital expenditure.