SoFi Technologies, Inc. SOFI NASDAQ

SoFi Technologies, Inc. (SOFI) generated $-991.18M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $66.4M, free cash flow was $-1.06B.

Free cash flow margin was -79.2% of revenue. Cash conversion ratio was -5.71x, suggesting some earnings are non-cash.

The company returned $45.14M in share buybacks to shareholders during the quarter.

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 -5.71x suggests some earnings are non-cash items

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