Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 2/5 core metricsLatest reported free cash flow was -$4.0B.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- Free cash flow was negative
Latest reported free cash flow was -$4.0B.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
- 2 filing risk checks flagged
Flagged areas: Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +23.1% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-10-21
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Technology Platform Segment$361M58.3%+2.6% yoy
- Financial Services Segment$259M41.7%+70.7% yoy
Members sum to the consolidated $619M for this period.
- Financial Services Segment$98M63.8%+59.8% yoy
- Technology Platform Segment$55.5M36.2%-38.7% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,060 US-listed filers · 883 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $619M | 47thof 3,247 middle third | 54thof 528 middle third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 23.1% | 81stof 3,083 top third | 78thof 505 top third |
Net margin net income ÷ revenue | 77.7% | 96thof 3,212 top third | 80thof 522 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | -643.4% | 6thof 2,640 bottom third | 4thof 302 bottom third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 4.6% | 50thof 3,520 middle third | 29thof 752 bottom third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 42.3% | 10thof 2,852 bottom third | 12thof 413 bottom third |
Cash conversion operating cash flow ÷ net income (net income > 0) | -7.8× | 1stof 2,243 bottom third | 1stof 687 bottom third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | 9.7% | 5thof 3,845 bottom third | 2ndof 837 bottom third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 33.0% | 22ndof 3,301 bottom third | 23rdof 770 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 10 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Stockholders' equity StockholdersEquity | balance at 2020-09-30 | $20K 10-Q 2020-11-23 | -$380M 10-Q 2021-11-15 | -1901440.0% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2021-03-31 | $39.9K 10-Q 2021-05-24 | $351M 10-Q 2022-05-10 | +879426.8% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2020-09-30 | $145K 10-Q 2020-11-23 | $493M 10-Q 2021-11-15 | +340910.8% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2020-12-31 | $260K 10-K 2021-03-17 | $873M 10-K 2023-03-01 | +335878.0% | first · latest · 7 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2021-03-31 | -$1.67M 10-Q 2021-05-24 | $340M 10-Q 2022-05-10 | +20456.5% | first · latest |
| Total liabilities Liabilities | balance at 2020-12-31 | $28.4M 10-K 2021-03-17 | $5.51B 10-K 2022-03-01 | +19329.6% | first · latest · 6 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2021-03-31 | $5M 10-Q 2021-05-24 | -$294M 10-Q 2022-08-09 | -5972.8% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2020-12-31 | $5M 10-K 2021-03-17 | -$120M 10-K 2024-02-27 | -2502.3% | first · latest · 11 filings carry it |
| Total assets Assets | balance at 2020-12-31 | $806M 10-K 2021-03-17 | $8.56B 10-K 2022-03-01 | +962.4% | first · latest · 6 filings carry it |
| Net income NetIncomeLoss | quarter 2021-03-31 | -$60.4M 10-Q 2021-05-24 | -$178M 10-Q 2022-05-10 | -194.0% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for SOFI yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.