SoFi Technologies, Inc. SOFI NASDAQ

SoFi Technologies, Inc. (SOFI) generated $-3.74B in operating cash flow for fiscal year 2025. After capital expenditures of $242.44M, free cash flow was $-3.98B.

Free cash flow margin was -83.5% of revenue. Cash conversion ratio was -7.78x, suggesting some earnings are non-cash.

The company returned $64.99M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (65/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (55/100) — Cash conversion ratio was -7.78x suggests some earnings are non-cash items

Overall SharesGrow Score: 63/100 with 2/7 criteria passed.