SoFi Technologies Inc. (SOFI) — Financial Flexibility Index
SoFi Technologies Inc. (SOFI) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $187.88 Million (operating CF $119.10 Million minus capex $68.78 Million) represents 0% of total liabilities ($42.89 Billion). Check SOFI total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
SoFi Technologies Inc. Financial Flexibility Index (2018–2025)
Historical Financial Flexibility Index trend for SoFi Technologies Inc. across 8 annual periods. For the full cash flow conversion analysis, see SoFi Technologies Inc. (SOFI) cash conversion ratio.
Annual Financial Flexibility Index for SoFi Technologies Inc. (2018–2025)
Year-by-year free cash flow to debt coverage for SoFi Technologies Inc.. Explore SoFi Technologies Inc. (SOFI) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.09x | $-3.50 Billion | $-3.74 Billion | $40.17 Billion | ▼ -170.9% |
| 2024 | -0.03x | $-956.19 Million | $-1.12 Billion | $29.73 Billion | ▲ +88.9% |
| 2023 | -0.29x | $-7.11 Billion | $-7.23 Billion | $24.52 Billion | ▲ +45.4% |
| 2022 | -0.53x | $-7.15 Billion | $-7.26 Billion | $13.48 Billion | ▼ -83.1% |
| 2021 | -0.29x | $-1.30 Billion | $-1.35 Billion | $4.48 Billion | ▼ -251.1% |
| 2020 | -0.08x | $-454.79 Million | $-479.34 Million | $5.51 Billion | ▼ -2398.1% |
| 2019 | 0.00x | $-17.14 Million | $-54.73 Million | $5.19 Billion | ▼ -102.1% |
| 2018 | 0.15x | $1.04 Billion | $1.02 Billion | $6.73 Billion | — |