$SOFI Cashflow Statement | Understand Stock

$SOFI

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated Statement of Cash Flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Operating activities
Net income (loss)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Share-based compensation expense
Equity-based payments to non-employees
Depreciation and amortization
Goodwill impairment
Deferred debt issuance and discount expense
Gain on extinguishment of convertible debt
Provision for credit losses
Deferred income taxes
Fair value changes in loans held for investment
Fair value changes in residual interests classified as debt
Fair value changes in securitization investments
Fair value changes in warrant liabilities
Fair value adjustment to related party notes receivable
Equity method investment earnings
Accretion of seller note interest expense
Other

Originations and purchases of loans
Proceeds from sales and repayments of loans
Other changes in loans
Changes in loans held for sale, net
Changes in accrued interest on loans
Changes in loans previously classified as held for sale, net
Changes in servicing assets
Changes in other assets
Related party notes receivable interest income
Changes in other liabilities
Net cash used in operating activities

Investing activities
Purchases of property, equipment and software
Capitalized software development costs
Purchases of available-for-sale investments
Proceeds from sales of available-for-sale investments
Proceeds from maturities and paydowns of available-for-sale investments
Purchases of loans held for investment
Proceeds from sales of loans held for investment
Other changes in loans held for investment, net
Proceeds from securitization investments
Proceeds from non-securitization investments
Purchases of non-securitization investments
Acquisition of businesses, net of cash acquired
Related party notes receivable issuances
Proceeds from repayment of related party notes receivable
Net cash used in investing activities

Financing activities
Proceeds from debt issuances
Repayment of debt
Net change in deposits
Proceeds from issuance of common stock
Proceeds from redeemable preferred stock issuances
Payment of redeemable preferred stock issuance costs
Note receivable principal repayments from stockholder
Payment of common stock issuance costs
Net change in debt facilities
Proceeds from other debt issuances
Repayment of other debt
Payment of debt issuance costs
Purchase of capped calls
Unwind of capped calls
Taxes paid related to net share settlement of share-based awards
Proceeds from stock option exercises
Proceeds from issuance of common stock under the ESPP
Payment of redeemable preferred stock dividends
Redemption of Series 1 preferred stock
Finance lease principal payments
Note receivable issuance to stockholder
Purchases of common stock
Redemptions of redeemable common and preferred stock
Proceeds from Business Combination and PIPE Investment
Payment of costs directly attributable to the issuance of common stock in connection with Business Combination and PIPE Investment
Proceeds from warrant exercises
Net cash provided by financing activities

Effect of exchange rates on cash and cash equivalents
Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period
Supplemental cash flow information
Interest paid
Income taxes paid, net
Supplemental non-cash investing and financing activities
Deposits credited but not yet received in cash
Deconsolidation of securitization and residual debt
Deconsolidation of residual interests classified as debt
Extinguishment of convertible notes by issuance of common stock
Securitization investments acquired via loan transfers
Non-cash property, equipment, software and intangible asset additions
Available-for-sale investments securities purchased but unpaid
Share-based compensation capitalized related to internally-developed software
Third party warrants acquired with earnings initially deferred
Costs directly attributable to the issuance of common stock paid in prior year
Reduction to temporary equity associated with purchase price adjustments
Conversion of temporary equity into permanent equity in conjunction with the Business Combination
Seller note issued in acquisition
Redeemable preferred stock issued in acquisition
Redeemable preferred stock warrants accounted for as liabilities
Common stock options assumed in acquisition
Issuance of common stock in acquisition
Finance lease right-of-use assets acquired
Redeemed but unpaid common stock
Redeemed but unpaid redeemable preferred stock
Derecognition of securitization investments
Property, equipment and software acquired in acquisition
Non-cash loan reduction
Deferred debt issuance costs accrued but unpaid
Deposits assumed in acquisition
Debt assumed in acquisition
Issuance of residual interests classified as debt as consideration for loan additions
Accrued but unpaid deferred equity costs
Loans held for investment received in acquisition
Available-for-sale securities received in acquisition

Reconciliation to amounts on consolidated balance sheets (as of period end)
Cash and cash equivalents
Restricted cash and restricted cash equivalents

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