SoFi Technologies (SOFI) EBITDA (2020 - 2026)
SoFi Technologies (SOFI) recorded quarterly EBITDA of $153.0 million in Q1 2026, down 12.56% quarter-over-quarter from $175.0 million in Q4 2025, and up 85.9% on a YoY basis from $82.3 million in Q1 2025.
SoFi Technologies (SOFI) EBITDA (2020 - 2026) Analysis & Trends
SoFi Technologies' EBITDA history runs 7 years deep, the most recent figure standing at $153.0 million for Q1 2026.
- In Q1 2026, EBITDA rose 85.9% year-over-year to $153.0 million; the TTM figure through Mar 2026 stood at $571.4 million (up 17.41% YoY), while the FY2025 annual figure was $500.7 million, up 1.86% from the prior year.
- EBITDA was $153.0 million for Q1 2026 at SoFi Technologies, down from $175.0 million in the prior quarter.
- In the past five years, EBITDA ranged from a high of $316.0 million in Q4 2024 to a low of -$261.0 million in Q3 2023.
- Historically, EBITDA has averaged $30.8 million across 5 years, with a median of $46.1 million in 2023.
- The sharpest annual moves came in 2023 and 2024: EBITDA sank 244.29% in 2023, then surged 585.4% in 2024.
- A 5-year view of EBITDA shows it stood at -$38.7 million in 2022, then jumped by 219.13% to $46.1 million in 2023, then soared by 585.4% to $316.0 million in 2024, then slumped by 44.63% to $175.0 million in 2025, then fell by 12.56% to $153.0 million in 2026.
- The last three EBITDA figures came in at $153.0 million (Q1 2026), $175.0 million (Q4 2025), and $145.3 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 7.23 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 4.91 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 3.55 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 6.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 1.49 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.02 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 96.25 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 153.01 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 332.00 Mn |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | 139.80 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 153.01 Mn |
| Dec 31, 2025 | 174.98 Mn |
| Sep 30, 2025 | 145.35 Mn |
| Jun 30, 2025 | 98.03 Mn |
| Mar 31, 2025 | 82.31 Mn |
| Dec 31, 2024 | 316.00 Mn |
| Sep 30, 2024 | 70.34 Mn |
| Jun 30, 2024 | 18.01 Mn |
| Mar 31, 2024 | 87.16 Mn |
| Dec 31, 2023 | 46.10 Mn |
| Sep 30, 2023 | -260.97 Mn |
| Jun 30, 2023 | -46.33 Mn |
| Mar 31, 2023 | -32.47 Mn |
| Dec 31, 2022 | -38.70 Mn |
| Sep 30, 2022 | -75.80 Mn |
| Jun 30, 2022 | -97.88 Mn |
| Mar 31, 2022 | -114.85 Mn |
| Dec 31, 2021 | -112.03 Mn |
| Sep 30, 2021 | -29.99 Mn |
| Jun 30, 2021 | -165.58 Mn |