SoFi Technologies, Inc. (SOFI) Spending and interest coverage
- R&D / revenue · 12 months: Value 117.83%; Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 46.53%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | 117.83% | Research and development expense / revenue. Period ending 2026-06-30. $718.93M ÷ $610.16M × 100 ≈ 117.83% |
| Stock-based compensation / revenue · 12 months | 46.53% | Share-based compensation / revenue. Period ending 2026-06-30. $283.92M ÷ $610.16M × 100 ≈ 46.53% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | 718.93M USD | Research and Development Expense |
| Revenue | 610.16M USD | Revenue from Contract with Customer, Excluding Assessed Tax |
| Stock-based compensation | 283.92M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | (m) | Operating Income (Loss) |
| Interest expense · reported / estimated | (m) | Interest Expense · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | $718.93M | $610.16M | $283.92M | (m) | (m) | 117.83% | 46.53% | (m) | (m) |
| 2026-03-31 | $679.80M | $608.48M | $270.31M | (m) | (m) | 111.72% | 44.42% | (m) | (m) |
| 2025-12-31 | $648.33M | $619.35M | $262.06M | (m) | (m) | 104.68% | 42.31% | (m) | (m) |
| 2025-09-30 | $624.48M | $584.57M | $259.85M | (m) | (m) | 106.83% | 44.45% | (m) | (m) |
| 2025-06-30 | $597.05M | $559.00M | $257.02M | (m) | (m) | 106.81% | 45.98% | (m) | (m) |
| 2025-03-31 | $577.07M | $527.90M | $254.83M | (m) | (m) | 109.32% | 48.27% | (m) | (m) |
| 2024-12-31 | $551.79M | $503.12M | $246.15M | (m) | (m) | 109.67% | 48.92% | (m) | (m) |
| 2024-09-30 | $544.62M | $483.95M | $248.89M | (m) | (m) | 112.54% | 51.43% | (m) | (m) |
| 2024-06-30 | $530.60M | $457.67M | $247.25M | (m) | (m) | 115.94% | 54.02% | (m) | (m) |
| 2024-03-31 | $525.28M | $441.58M | $262.07M | (m) | $916.97M | 118.95% | 59.35% | (m) | Reported |
| 2023-12-31 | $511.42M | $421.45M | $271.22M | (m) | $789.33M | 121.35% | 64.35% | (m) | Reported |
| 2023-09-30 | $482.88M | $404.77M | $273.08M | (m) | $632.55M | 119.30% | 67.47% | (m) | Reported |
| 2023-06-30 | $467.89M | $401.83M | $288.94M | (m) | $453.44M | 116.44% | 71.90% | (m) | Reported |
| 2023-03-31 | $440.41M | $395.56M | $293.20M | (m) | $301.35M | 111.34% | 74.12% | (m) | Reported |
| 2022-12-31 | $405.26M | $377.10M | $305.99M | (m) | $189.28M | 107.47% | 81.14% | (m) | Reported |
| 2022-09-30 | $358.29M | $348.30M | $311.74M | (m) | $108.66M | 102.87% | 89.50% | (m) | Reported |
| 2022-06-30 | $322.02M | $307.48M | $306.57M | (m) | $89.69M | 104.73% | 99.70% | (m) | Reported |
| 2022-03-31 | $292.05M | $270.51M | $278.58M | (m) | $91.01M | 107.96% | 102.98% | (m) | Reported |
| 2021-12-31 | $276.09M | $247.72M | $239.01M | (m) | $102.78M | 111.45% | 96.49% | (m) | Reported |
| 2021-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2021-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2021-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-12-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2019-12-31 | $147.46M | $4.52M | $60.94M | (m) | $278.36M | 3262.35% | 1348.14% | (m) | Reported |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.
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