SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026)
SoFi Technologies (SOFI) recorded quarterly EBITDA Margin of 13.91% in Q1 2026, down 18.54% quarter-over-quarter from 17.07% in Q4 2025, and up 324.0% on a YoY basis from 3.28% in Q1 2025.
SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026) Analysis & Trends
SoFi Technologies' EBITDA Margin history runs 7 years deep, the most recent figure standing at 13.91% for Q1 2026.
- In Q1 2026, EBITDA Margin rose 324.0% year-over-year to 13.91%; the TTM figure through Mar 2026 stood at 14.49% (down 1523.0% YoY), while the FY2025 annual figure was 13.86%, down 8384.0% from the prior year.
- EBITDA Margin was 13.91% for Q1 2026 at SoFi Technologies, down from 17.07% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 233.2% in Q4 2024 to a low of 248.67% in Q3 2023.
- Historically, EBITDA Margin has averaged 4.83% across 5 years, with a median of 3.01% in 2024.
- The sharpest annual moves came in 2024 and 2025: EBITDA Margin jumped 30227 bps in 2024, then sank 21613 bps in 2025.
- A 5-year view of EBITDA Margin shows it stood at 2.99% in 2022, then plunged by 42 bps to 4.25% in 2023, then jumped by 5593 bps to 233.2% in 2024, then sank by 93 bps to 17.07% in 2025, then slipped by 19 bps to 13.91% in 2026.
- The last three EBITDA Margin figures came in at 13.91% (Q1 2026), 17.07% (Q4 2025), and 15.12% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 15.79% |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | 24.11% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 13.91% |
| Dec 31, 2025 | 17.07% |
| Sep 30, 2025 | 15.12% |
| Jun 30, 2025 | 11.47% |
| Mar 31, 2025 | 10.67% |
| Dec 31, 2024 | 233.20% |
| Sep 30, 2024 | 53.60% |
| Jun 30, 2024 | 3.01% |
| Mar 31, 2024 | 75.40% |
| Dec 31, 2023 | -4.25% |
| Sep 30, 2023 | -248.67% |
| Jun 30, 2023 | -44.25% |
| Mar 31, 2023 | -6.88% |
| Dec 31, 2022 | -2.99% |
| Sep 30, 2022 | -74.31% |
| Jun 30, 2022 | -99.45% |
| Mar 31, 2022 | -34.77% |
| Dec 31, 2021 | -13.86% |
| Sep 30, 2021 | -49.02% |
| Jun 30, 2021 | -71.59% |