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Statement
Assets, liabilities and equity aligned across the annual filing history, in USD millions.
Assets
+39.7% YoYReported for FY 2025
Liabilities
+35.1% YoYReported for FY 2025
Equity
+60.8% YoYReported for FY 2025
Equity mix
+2.7 ppEquity share of the capital base
Table view
Balance sheet, reported dollar amounts — FY 2025
Every figure is the balance as filed. Each filing badge opens the SEC index page for that fiscal year.
Structure
Assets plotted against the liabilities and equity stack, so you can see how the balance sheet is financed.
Liabilities and equity stack to the capital base; assets are the dashed reference line.
Composition
The same split read as a share of total capital rather than in absolute dollars.
Percentages are measured against total capital for each fiscal year.
Trend
How assets, liabilities and equity have moved across the annual balance sheet window.
Switching between bar and line keeps the selected year order.
Commentary
This explanation uses an earlier data snapshot or evidence version. Compare its generation date with the current filing figures.
Earlier AI snapshot · Generated May 21, 2026. The filing-backed figures above are the current source of truth.
SoFi Technologies has shown very strong balance-sheet expansion over the last five years. Total assets increased from about **$9.2 billion in 2021 to $50.7 billion in 2025**, reflecting rapid growth in the company’s scale and funding base. Liabilities also rose sharply, from **$4.5 billion to $40.2 billion**, which is consistent with a financial-services platform that is expanding lending, deposits, and other funding-related activities. Stockholders’ equity climbed from **$4.4 billion to $10.5 billion**, indicating that the company has not only grown but also strengthened its capital base over time. The most notable trend is the acceleration in both assets and liabilities in **2024–2025**, suggesting a meaningful step-up in operating scale. Equity growth was steadier than the balance-sheet expansion: it rose in 2022, dipped slightly in 2023, then increased again in 2024 and 2025. For a fintech and lending business like SoFi, this pattern is not unusual—assets and liabilities often expand together as the company grows its loan book and deposit funding. Overall, the company appears to have materially scaled its financial position while maintaining a positive equity cushion, though the rising leverage underscores the importance of asset quality and funding stability.
This analysis is for informational purposes only and does not constitute financial advice or recommendations for any investment decisions. Please consult with a qualified financial professional for personalized guidance.