As of the latest data point for Q4'25, SOFI reports both Operating Cash Flow and Free Cash Flow at 0 USD, marking a significant shift from prior quarters. This follows a period of fluctuating cash flow, with recent quarters showing negative values—for example, Operating Cash Flow was -1.31B USD and Free Cash Flow was -1.37B USD in Q3'25. Analyzing the trend from Q1'23 to Q4'25, SOFI's cash flow has been highly volatile, with both metrics consistently negative until a brief positive spike in Q1'24 (Operating Cash Flow: 738M USD, Free Cash Flow: 704M USD). This improvement was short-lived, as subsequent quarters reverted to negative territory, though the magnitude of outflows varied. The return to zero in Q4'25 may indicate a stabilization or a reporting anomaly, but overall, the data reflects ongoing challenges in achieving sustained positive cash flow over the observed period.