As of Q1'26, SOFI's cash and short-term investments stood at $3.76B USD, reflecting a decline from the previous quarter's $4.93B USD, while debt has significantly decreased to $101M USD, down sharply from $1.92B USD in Q4'25. This latest data point indicates improved liquidity relative to debt, with cash reserves substantially exceeding outstanding obligations. Over the period from Q2'23 to Q1'26, cash and short-term investments exhibited volatility, starting at $3.56B USD, peaking at $5.64B USD in Q3'25, and then dropping to $3.76B USD, suggesting fluctuating operational cash flows or investment activities. In contrast, debt showed a consistent downward trend from $6.61B USD in Q2'23 to a mere $101M USD in Q1'26, with notable reductions including a sharp drop to $3.00B USD in Q1'24 and further declines post-Q2'25, highlighting effective deleveraging and strengthened balance sheet health for SOFI.