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VizualStocks APIOperating KPI and segment definitions available for SoFi Technologies (SOFI) through the VizualStocks API.
Earnings before interest, taxes, depreciation and amortization, excluding the adjustments identified in the company's non-GAAP reconciliation for the period.
adjustedEbitdaSoFi total net revenue excluding non-cash fair-value changes caused by assumption updates for loan servicing rights and securitization residual interests, plus any debt-extinguishment gains or losses. The adjustment isolates revenue SoFi treats as indicative of core operations and available to fund the business.
adjustedNetRevenueNet loan charge-offs during the period divided by the applicable average loan balance, annualized.
annualizedNetChargeOffRateForPersonalLoansUnpaid-principal-weighted annual default-rate assumption in SoFi's fair-value model for personal loans held on its balance sheet. It is a forward-looking valuation input that incorporates delinquency markdowns, not the percentage of borrowers that actually defaulted during the quarter.
averageAnnualDefaultRateForPersonalLoansUnpaid-principal-weighted annual default-rate assumption in SoFi's fair-value model for student loans held on its balance sheet. It is a forward-looking valuation input that incorporates delinquency markdowns, not the percentage of borrowers that actually defaulted during the quarter.
averageAnnualDefaultRateForStudentLoansPeriod-end unpaid principal on home loans divided by the number of home loans with a positive balance. SoFi includes loans it holds plus transferred or referred loans for which it retains servicing involvement.
averageHomeLoanBalancePeriod-end unpaid principal on personal loans divided by the number of personal loans with a positive balance. SoFi includes loans it holds plus transferred or referred loans for which it retains servicing involvement.
averagePersonalLoanBalancePeriod-end unpaid principal on student loans divided by the number of student loans with a positive balance. SoFi includes loans it holds plus transferred or referred loans for which it retains servicing involvement.
averageStudentLoanBalanceFinancial Services provision for credit losses plus costs directly attributable to SoFi Money, Invest, Credit Card, Relay, Crypto, SoFi Plus and Loan Platform activities. Subtracting these amounts from segment net revenue produces contribution profit, not GAAP gross profit.
financialServicesExpensesSoFi Financial Services contribution profit: segment net revenue less the provision for credit losses and directly attributable expenses. It is a management segment measure covering banking, investing, cards, Relay, Crypto, SoFi Plus and Loan Platform activity—not accounting gross profit.
financialServicesGrossProfitCumulative count of SoFi Money, Invest, Credit Card, referred-loan, At Work, Relay and Crypto accounts opened, plus active SoFi Plus subscriptions, through period end. The count can include inactive accounts and uses product-specific conventions such as treating checking and savings together as one Money product.
financialServicesProductsNet interest income and noninterest income from SoFi Money, Invest, Credit Card, Relay, Crypto, SoFi Plus and Loan Platform services. It combines spread income on deposits and financial assets with fees such as interchange, brokerage and partner loan-platform revenue.
financialServicesRevenueAverage FICO credit score of borrowers for home loan originated during the period.
homeLoanFicoScorePrincipal amount of home loan originated during the period.
homeLoanOriginationsInterest expense incurred on corporate borrowings during the period.
interestOnCorporateBorrowingsSoFi Lending net revenue excluding fair-value changes in servicing rights and securitization residual interests caused by valuation-input changes. It combines personal, student and home lending spread and fee income while removing those non-cash assumption effects.
lendingAdjustedRevenueCosts directly attributable to SoFi's personal, student and home lending activities, including origination, servicing and segment operating costs used in its contribution-profit calculation. Corporate shared expenses are not assigned to this line.
lendingExpensesSoFi Lending contribution profit after directly attributable expenses and the reported servicing-right and residual-interest valuation effects. It is the segment contribution measure for personal, student and home loans, not accounting gross profit.
lendingGrossProfitCumulative count of personal-loan, student-loan and home-loan product types originated for SoFi members through period end, including Loan Platform Business originations. Multiple loans of the same type for one member count once, while different loan types count separately.
lendingProductsCumulative people who have originated or serviced a loan with SoFi, opened a financial-services account, linked an external account or enrolled in credit-score monitoring, less members later removed under SoFi's terms. A member need not be currently active or generating revenue.
membersAverage balance of SoFi's interest-bearing demand deposits during the period. Despite the configured metric name, this series is not net new deposit inflow; savings and time deposits are reported separately in the source table.
newDepositsSoFi noninterest expense after removing depreciation and amortization, share-based expense, restructuring, transaction costs and specified highly inflationary currency effects included in its Adjusted EBITDA reconciliation. It therefore differs from total GAAP noninterest expense.
nonInterestExpensesAverage FICO credit score of borrowers for personal loan originated during the period.
personalLoanFicoScorePrincipal amount of personal loan originated during the period.
personalLoanOriginationsCumulative lending and financial-services products selected by SoFi members since inception, including paid-off loans and many accounts that may no longer be active. It measures platform reach and cross-buy rather than the number of currently revenue-generating products.
productsNon-cash change in the fair value of securitization residual-interest debt caused by updated prepayment, default and discount-rate assumptions during the period. Despite the configured name, this is not the period-end carrying balance of the residual-interest debt obligation.
residualInterestsClassifiedAsDebtNon-cash change in the fair value of SoFi loan-servicing rights caused by updated servicing-cost, prepayment, default and discount-rate assumptions during the period. Despite the configured name, this is not the period-end carrying value of all servicing rights.
servicingRightsAverage FICO credit score of borrowers for student loan originated during the period.
studentLoanFicoScorePrincipal amount of student loan originated during the period.
studentLoanOriginationsOpen accounts at Galileo that depend on SoFi's platform for card, wallet, transfer, deposit or real-time authorization services at period end, including intercompany SoFi accounts. It excludes technology products whose revenue does not depend on a fully integrated stand-ready account service.
technologyPlatformAccountsCosts directly attributable to Galileo and SoFi Tech Solutions, including payment-network and processing fees, technology infrastructure, product fulfillment and platform operations. These expenses are subtracted from Technology Platform net revenue to calculate contribution profit.
technologyPlatformExpensesSoFi Technology Platform contribution profit: segment net revenue less directly attributable Galileo and SoFi Tech Solutions expenses. It is a management contribution measure for enterprise financial technology services, not accounting gross profit.
technologyPlatformGrossProfitNet revenue from SoFi's enterprise technology products, principally Galileo payment processing and core banking, ledger, payment-hub, risk and fraud services. It includes intercompany platform revenue at the segment level, which SoFi eliminates in consolidated results.
technologyPlatformRevenuePrincipal amount of personal, student and home loans originated through SoFi during the period, including eligible loans originated for third-party partners through the Loan Platform Business. It measures loan-production volume, not the ending loan balance retained by SoFi.
totalOriginations