SOFI Rule of 40
Rule of 40 combines revenue growth and free cash flow margin in one quarterly score.
Rule of 40
2026 Q2
n/m
Not meaningful
Revenue growth context+42.5%
FCF margin context-327.2%
Why R40 is not meaningful yet
Capital expenditure and cash flow are too large relative to current revenue for the combined Rule of 40 score to be meaningful.
Quarter context
2025 Q4
Revenue $1.0B (+39.6% YoY). Capex $66.4M (0.1× revenue); FCF -$1.1B.
2026 Q1
Revenue $1.1B (+42.6% YoY). Capex $67.6M (0.1× revenue); FCF -$2.4B.
2026 Q2
Revenue $1.2B (+42.5% YoY). Capex $96.6M (0.1× revenue); FCF -$4.0B.
Other SOFI Charts
More quarter-by-quarter fundamentals for SoFi Technologies, Inc.
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Revenue
EPS
Free Cash Flow
FCF Margin
P/E Ratio
Cumulative FCF
Shares Outstanding
Total Assets
Total Debt
Fintech Comparison
1 / 3
HOOD · Rule of 40
2026 Q2 · latest
85.5✓ Passing
Growth +32.3%
FCF +53.2%
n/m
Q3
n/m
2024
Q4
119
Q1
n/m
Q2
n/m
Q3
-47
2025
Q4
n/m
Q1
85
2026
Q2
40
0
Mix
AFRM · Rule of 40
2026 Q4 · latest
52.7✓ Passing
Growth +33.0%
FCF +19.7%
63
Q1
78
Q2
56
Q3
36
2025
Q4
68
Q1
40
Q2
64
Q3
53
2026
Q4
40
0
Mix
UPST · Rule of 40
2026 Q2 · latest
3.7✗ Below 40
Growth +41.7%
FCF -38.0%
n/m
Q3
137
2024
Q4
58
Q1
46
Q2
-27
Q3
70
2025
Q4
0
Q1
4
2026
Q2
40
0
Mix
Latest Rule of 40: +0 (2026Q2); +0 pts YoY.
Across the 8 quarters from 2024Q2 to 2026Q2, Rule of 40 ranged from -67 in 2024Q2 to +16 in 2025Q1.