SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly EBITDA Margin of 13.91% for Q1 2026, up 324.0% year-over-year from 3.28% in Q1 2025, and down 18.54% on a QoQ basis from 17.07% in Q4 2025.
SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported EBITDA Margin for 7 consecutive years, with 13.91% the latest figure, recorded in 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 came in at 13.91% for Q1 2026 at SoFi Technologies, down from 17.07% in the prior quarter.
- The five-year high for EBITDA Margin was 233.2% in Q4 2024, with the low at 248.67% in Q3 2023.
- Average EBITDA Margin over 5 years is 4.83%, with a median of 3.01% recorded in 2024.
- Across the five-year window, EBITDA Margin jumped 30227 bps in 2024 and slumped 21613 bps in 2025, its largest moves.
- Year by year, EBITDA Margin stood at 2.99% in 2022, then sank by 42 bps to 4.25% in 2023, then jumped by 5593 bps to 233.2% in 2024, then slumped by 93 bps to 17.07% in 2025, then fell by 19 bps to 13.91% in 2026.
- According to Business Quant data, EBITDA Margin over the past three periods registered 13.91%, 17.07%, and 15.12% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 28.77% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 13.91% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 15.79% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 37.80% |
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% |