SoFi Technologies (SOFI) Balance Sheet: Assets & Liabilities

SoFi Technologies (SOFI) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), SoFi Technologies reported total assets of $50.66B and total liabilities of $40.17B. Shareholders' equity was $10.49B, up 60.8% from $6.53B a year earlier. Total debt stood at $1.93B against $7.36B in cash and short-term investments, a net cash position of $5.43B. That puts debt-to-equity at 0.18, compared with 0.47 a year earlier.

SoFi Technologies Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for SoFi Technologies, Inc. (SOFI) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018
Current Assets
Cash and Cash Equivalents	4.93	2.54	3.09	1.42	0.49	0.87	0.50	0.54
Short-Term Investments	2.43	1.80	0.50	0.04	0.19	0.00	0.00	0.00
Cash & Short-Term Investments	7.36	4.34	3.59	1.46	0.69	0.87	0.50	0.54
Accounts Receivable	0.89	0.59	0.17	0.13	0.09	0.02	0.02	0.01
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.91	0.28	0.11	0.07	0.06	0.00	0.00	-0.22
Total Current Assets	9.16	5.21	3.87	1.66	0.83	0.89	0.52	0.33
Non-Current Assets
Property, Plant & Equipment (Net)	0.51	0.37	0.31	0.27	0.23	0.20	0.16	0.01
Long-Term Investments	38.51	0.03	0.72	0.02	6.48	5.48	6.15	0.00
Goodwill	1.39	1.39	1.39	1.62	0.90	0.90	0.02	0.02
Intangible Assets	0.61	0.64	0.72	0.59	0.45	0.50	0.21	0.19
Other Non-Current Assets	0.22	0.34	0.14	0.16	0.28	0.59	0.23	8.01
Total Non-Current Assets	41.50	31.04	26.21	17.35	8.34	7.67	6.77	8.22
Total Assets	50.66	36.25	30.07	19.01	9.18	8.56	7.29	8.55
Current Liabilities
Accounts Payable	0.09	0.12	0.55	0.14	0.16	0.45	0.10	0.00
Short-Term Debt	0.49	0.49	0.49	0.49	0.50	0.49	0.16	0.03
Accrued Liabilities	0.36	0.27	0.27	0.15	0.10	-	-	-
Other Current Liabilities	37.87	26.24	0.10	7.49	0.09	0.45	0.10	-0.02
Total Current Liabilities	38.45	26.86	19.47	8.12	0.75	1.39	0.37	0.01
Non-Current Liabilities
Long-Term Debt	1.45	2.61	5.24	5.02	3.70	4.57	4.92	6.62
Deferred Tax Liabilities	0.02	0.02	0.04	0.06	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	0.25	0.12	0.13	0.15	0.03	-0.45	-0.10	0.10
Total Non-Current Liabilities	1.73	2.86	5.05	5.36	3.73	4.12	4.82	6.72
Total Liabilities	40.17	29.73	24.52	13.48	4.48	5.51	5.19	6.73
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	-0.82	-1.31	-1.80	-1.50	-1.18	-0.70	-0.47	-0.22
Accumulated Other Comprehensive Income	0.01	-0.01	0.00	-0.01	0.00	0.00	0.00	0.00
Additional Paid-in Capital	11.30	7.84	7.04	6.72	5.56	0.58	0.14	0.15
Shares Outstanding	1.27	1.10	0.98	0.93	0.83	-	-	-
Total Stockholders' Equity	10.49	6.53	5.55	5.53	4.70	3.05	2.10	1.82
Total Liabilities & Equity	50.66	36.25	30.07	19.01	9.18	8.56	7.29	8.55

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About SoFi Technologies Balance Sheet

How much debt does SoFi Technologies have?

SoFi Technologies had total debt of $1.93B as of Dec 31, 2025, against $7.36B in cash and short-term investments. Its debt-to-equity ratio was 0.18. Total debt was $3.09B a year earlier.

What are SoFi Technologies's total assets?

SoFi Technologies reported total assets of $50.66B as of Dec 31, 2025, up 39.7% from $36.25B a year earlier. Total liabilities were $40.17B.

What is SoFi Technologies's shareholders' equity?

SoFi Technologies's shareholders' equity was $10.49B as of Dec 31, 2025, or about $8.26 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition