As of Q4'25, SOFI's cash and short-term investments reached 7.5B USD, while debt dropped to 0 USD, marking a significant shift in the company's balance sheet position at the end of the period covered. From Q1'23 to Q4'25, SOFI demonstrated a strong upward trend in cash and short-term investments, rising from 2.8B USD to 7.5B USD, with particularly rapid growth in the last two quarters. Meanwhile, debt showed a consistent decline, falling sharply from 6.3B USD in Q3'23 to 3.0B USD by Q1'24, and ultimately reaching zero by Q4'25. This indicates a substantial improvement in SOFI's financial health, with the company moving from a highly leveraged position to a net cash positive status over the observed period.