SoFi Technologies Inc. - Asset Resilience Ratio
SoFi Technologies Inc. (SOFI) has an Asset Resilience Ratio of 6.02% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check SoFi Technologies Inc. strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2018–2025)
This chart shows how SoFi Technologies Inc.'s Asset Resilience Ratio has changed over time. See SoFi Technologies Inc. balance sheet quality to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down SoFi Technologies Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see SoFi Technologies Inc. (SOFI) total market value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.23 Billion | 6.02% |
| Total Liquid Assets | $3.23 Billion | 6.02% |
Asset Resilience Insights
- Limited Liquidity: SoFi Technologies Inc. maintains only 6.02% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
SoFi Technologies Inc. Industry Peers by Asset Resilience Ratio
Compare SoFi Technologies Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Credit Acceptance Corporation
NASDAQ:CACC |
Credit Services | 1.26% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
BFI Finance Indonesia Tbk
JK:BFIN |
Credit Services | 1.84% |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR |
Credit Services | 2.88% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
Annual Asset Resilience Ratio for SoFi Technologies Inc. (2018–2025)
The table below shows the annual Asset Resilience Ratio data for SoFi Technologies Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 5.08% | $2.58 Billion | $50.66 Billion | +0.11pp |
| 2024-12-31 | 4.98% | $1.80 Billion | $36.25 Billion | +3.31pp |
| 2023-12-31 | 1.67% | $500.94 Million | $30.07 Billion | +1.46pp |
| 2022-12-31 | 0.21% | $39.43 Million | $19.01 Billion | -1.92pp |
| 2021-12-31 | 2.12% | $194.91 Million | $9.18 Billion | -7.28pp |
| 2020-12-31 | 9.40% | $805.02 Million | $8.56 Billion | +760.70pp |
| 2018-12-31 | -751.30% | $-211.89 Million | $28.20 Million | -- |
About SoFi Technologies Inc.
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and … Read more