SoFi Technologies Inc. (SOFI) — Cash Flow Quality Index
SoFi Technologies Inc. (SOFI) has a Cash Flow Quality Index of 0.71x as of March 2026. Operating cash flow of $119.10 Million is below net income of $166.73 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can SoFi Technologies Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SoFi Technologies Inc. Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for SoFi Technologies Inc. across 3 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see SoFi Technologies Inc. (SOFI) cash flow conversion.
Annual Cash Flow Quality Index for SoFi Technologies Inc. (2017–2025)
Year-by-year earnings quality comparison for SoFi Technologies Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -7.78x | $-3.74 Billion | $481.32 Million | ▼ -246.2% |
| 2024 | -2.25x | $-1.12 Billion | $498.67 Million | ▼ -245.5% |
| 2017 | 1.54x | $76.79 Million | $49.77 Million | — |