SoFi Technologies, Inc.SOFI
| Dec 31,
2020 | Dec 31,
2021 | Dec 31,
2022 | Dec 31,
2023 | Dec 31,
2024 |
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| Net income (loss) | -646,393 | -484 | -320 | -301 | 499 |
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| Share-based compensation expense | - | 239 | 306 | 271 | 246 |
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| Depreciation and amortization | - | 102 | 151 | 201 | 203 |
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| Goodwill impairment | - | - | - | 247 | - |
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| Deferred debt issuance and discount expense | - | 18 | 18 | 20 | 13 |
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| Gain on extinguishment of convertible debt | - | - | - | 15 | 63 |
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| Provision for credit losses | - | - | 54 | 55 | 32 |
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| Deferred income taxes | - | 1 | -3 | -16 | -287 |
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| Fair value changes in loans held for investment | - | - | - | 44 | 158 |
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| Fair value changes in securitization investments | - | - | -14 | 0 | 3 |
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| Other | - | 5 | -13 | 14 | -10 |
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| Changes in loans held for sale, net | - | - | 7,463 | 7,779 | 2,389 |
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| Changes in loans previously classified as held for sale, net | - | - | - | -141 | -1,373 |
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| Servicing assets | - | 19 | -18 | 32 | 162 |
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| Other assets | - | 11 | 57 | 6 | 458 |
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| Accounts payable, accruals and other liabilities | - | -9 | 6 | 42 | 24 |
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| Net cash used in operating activities | -1,286,224 | -1,350 | -7,256 | -7,227 | -1,120 |
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| Purchases of property, equipment and software | - | 52 | 93 | 111 | 154 |
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| Capitalized software development costs | - | - | 11 | 10 | 9 |
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| Purchases of available-for-sale investments | - | 246 | 45 | 801 | 2,191 |
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| Proceeds from sales of available-for-sale investments | - | 53 | 23 | 266 | 186 |
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| Proceeds from maturities and paydowns of available-for-sale investments | - | 5 | 15 | 154 | 808 |
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| Proceeds from sales of loans held for investment | - | - | - | - | 678 |
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| Other changes in loans held for investment, net | - | - | 174 | 1,362 | 4,183 |
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| Proceeds from securitization investments | - | 247 | 119 | 108 | 80 |
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| Proceeds from non-securitization investments | - | 110 | - | 5 | 4 |
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| Purchases of non-securitization investments | - | 22 | - | 67 | 38 |
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| Acquisition of businesses, net of cash acquired | - | - | - | 72 | - |
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| Net cash used in investing activities | -805,000,000 | 110 | -106 | -1,890 | -4,821 |
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| Net change in deposits | - | - | 7,153 | 11,232 | 6,954 |
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| Net change in debt facilities | - | - | - | 181 | -1,983 |
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| Proceeds from other debt issuances | - | - | 440 | 340 | 845 |
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| Repayment of other debt | - | - | 516 | 800 | 353 |
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| Payment of debt issuance costs | - | 9 | 8 | 12 | 8 |
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| Purchase of capped calls | - | 114 | - | - | 91 |
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| Unwind of capped calls | - | - | - | - | 10 |
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| Taxes paid related to net share settlement of share-based awards | - | 43 | 9 | 15 | 23 |
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| Proceeds from stock option exercises | - | 25 | 3 | 1 | 21 |
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| Payment of redeemable preferred stock dividends | - | 40 | 40 | 40 | 17 |
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| Redemption of Series 1 preferred stock | - | - | - | - | 323 |
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| Finance lease principal payments | - | 1 | 0 | 1 | 1 |
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| Net cash provided by financing activities | 807 | 685 | 8,439 | 10,886 | 5,035 |
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| Effect of exchange rates on cash and cash equivalents | - | 0 | 1 | 1 | 0 |
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| Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents | - | -555 | 1,078 | 1,769 | -906 |
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| Interest paid | - | 95 | 151 | 720 | 1,118 |
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| Income taxes paid, net | - | 2 | 3 | 14 | 27 |
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| Deposits credited but not yet received in cash | - | - | - | - | 403 |
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| Deconsolidation Of Securitized Debt | - | - | 100 | 93 | - |
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| Debt Conversion, Converted Instrument, Amount | - | - | - | 87 | 677 |
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| Securitization investments acquired via loan transfers | - | 118 | - | 19 | 62 |
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| Derecognition of securitization investments | - | - | 41 | 5 | - |
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| Deposits assumed in acquisition | - | - | 158 | - | - |
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| Loans held for investment received in acquisition | - | - | 84 | - | - |
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| Available-for-sale securities received in acquisition | - | - | 10 | - | - |
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