SoFi Technologies (SOFI) EBITDA (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly EBITDA of $153.0 million for Q1 2026, up 85.9% year-over-year from $82.3 million in Q1 2025, and down 12.56% on a QoQ basis from $175.0 million in Q4 2025.
SoFi Technologies (SOFI) EBITDA (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported EBITDA for 7 consecutive years, with $153.0 million the latest figure, recorded in 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 came in at $153.0 million for Q1 2026 at SoFi Technologies, down from $175.0 million in the prior quarter.
- The five-year high for EBITDA was $316.0 million in Q4 2024, with the low at -$261.0 million in Q3 2023.
- Average EBITDA over 5 years is $30.8 million, with a median of $46.1 million recorded in 2023.
- Across the five-year window, EBITDA slumped 244.29% in 2023 and surged 585.4% in 2024, its largest moves.
- Year by year, EBITDA 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 tumbled by 44.63% to $175.0 million in 2025, then slipped by 12.56% to $153.0 million in 2026.
- According to Business Quant data, EBITDA over the past three periods registered $153.0 million, $175.0 million, and $145.3 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 7.23 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 4.91 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 3.55 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 1.49 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 96.25 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 153.01 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 332.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 139.80 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 69.02 Mn |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 51.23 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 |