SOFI (SoFi Technologies) Interest Expense: $-1,199 Mil (TTM As of Mar. 2026)

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SOFI SoFi Technologies Inc SOFI
67 GF Score
Price $17.32
GF Value $16.07
Valuation Fairly Valued
! 2 Warning Signs
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What is SoFi Technologies Interest Expense?

SoFi Technologies SOFI -3.08% 67 Interest Expense is $-1,199 Mil as of Mar. 2026. GuruFocus rates SOFI with a GF Score™ of 67/100 and a GF Value™ of $16.07 (Fairly Valued). The stock has 2 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. SoFi Technologies's interest expense for the three months ended in Mar. 2026 was $ -308 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-1,199 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. SoFi Technologies's Operating Income for the three months ended in Mar. 2026 was $ Mil. SoFi Technologies's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

SoFi Technologies Interest Expense Historical Data

* Premium members only.

The historical data trend for SoFi Technologies's Interest Expense can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SoFi Technologies Interest Expense Chart

SoFi Technologies Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial -102.78 -189.28 -789.33 -1,091.34 -1,156.24

SoFi Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -265.09 -274.57 -306.45 -310.14 -308.01
SOFI
67GF Score
SoFi Technologies Inc SOFI
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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SoFi Technologies Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1,199 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-1,199 Mil mean?
SoFi Technologies (SOFI) has a Interest Expense of $-1,199 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on SoFi Technologies and its competitors.
Is SoFi Technologies' Interest Expense too high?
SoFi Technologies' current Interest Expense is $-1,199 Mil. Overall, SoFi Technologies has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' Interest Expense compare to SYF and AFRM?
SoFi Technologies' Interest Expense of $-1,199 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Credit Services company?
A good Interest Expense depends on the Credit Services industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on SoFi Technologies and its competitors. SoFi Technologies's current Interest Expense is $-1,199 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (SOFI) is currently considered Fairly Valued. The stock's GF Value™ is $16.07, compared to a current price of $17.32 — trading 7.8% above its estimated fair value. The current Interest Expense is $-1,199 Mil. SoFi Technologies' overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For SoFi Technologies (SOFI), the current Interest Expense is $-1,199 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SoFi Technologies (SOFI) Overvalued in 2026?

Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued. The current stock price of $17.32 is trading 7.8% above its estimated GF Value™ of $16.07. GuruFocus considers SoFi Technologies to be Fairly Valued.

Key valuation signals for SOFI:

  • Interest Expense: $-1,199 Mil
  • GF Value™: $16.07 vs. price of $17.32 (7.8% above fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SoFi Technologies Business Description

Address 234 1st Street, San Francisco, CA, USA, 94105
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
67GF Score

Get the complete analysis for SOFI

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.32
Price
$16.07
GF Value