SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026)
SoFi Technologies (SOFI) posted EBITDA Margin of 7.47% for Q2 2026, up 4.13 percentage points from 3.34% a year earlier but down 2.06 percentage points from the prior quarter.
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Analysis
SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, EBITDA Margin at SoFi Technologies was 7.98%, up 6.85 percentage points year-over-year; for FY2025, it came in at 5.02%, up 4.76 percentage points from FY2024.
- Annual EBITDA Margin has increased for four consecutive years, though with a five-year change of -7.21 percentage points (FY2020 to FY2025).
- In prior years, SoFi Technologies' EBITDA Margin was 0.26% in FY2024 (+20.27 pp), -20.01% in FY2023 (+7.08 pp), -27.09% in FY2022 (+37.55 pp) and -64.64% in FY2021 (-76.87 pp).
- Quarterly EBITDA Margin has run from a low of -58.20% in Q3 2023 to a high of 9.53% in Q1 2026 over five years.
- On a year-over-year basis, EBITDA Margin has increased in each of the last five quarters, with an average year-over-year change of +9.78 percentage points over the last eight quarters.
- The strongest year-over-year quarter for EBITDA Margin in the past five years was Q3 2024, with a gain of 57.91 percentage points; the weakest was Q1 2022, with a drop of 55.76 percentage points.
- According to Business Quant data, EBITDA Margin for the three prior quarters was 9.53% (Q1 2026), 8.98% (Q4 2025) and 5.78% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 885.23 Bn | 914.70 Bn | - | 95.81% |
| 2 | Banco Santander Chile | 404.41 Bn | 524.35 Bn | - | - |
| 3 | Bank Of America | 381.15 Bn | -1,994.92 Bn | - | 95.10% |
| 4 | Hsbc Holdings | 319.39 Bn | 319.44 Bn | - | - |
| 5 | Morgan Stanley | 298.67 Bn | -210.43 Bn | - | 101.52% |
| 6 | Royal Bank Of Canada | 268.75 Bn | -557.52 Bn | - | 139.87% |
| 7 | Mitsubishi Ufj Financial | 265.72 Bn | -107.91 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 261.04 Bn | -3,296.07 Bn | - | 133.57% |
| 9 | Wells Fargo & Company | 253.09 Bn | 255.22 Bn | - | 92.35% |
| 10 | SoFi Technologies | 20.39 Bn | 5.68 Bn | 1.02 Bn | 7.70% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 7.70% |
| Mar 31, 2026 | 9.80% |
| Dec 31, 2025 | 9.26% |
| Sep 30, 2025 | 6.09% |
| Jun 30, 2025 | 3.68% |
| Mar 31, 2025 | 0.99% |
| Dec 31, 2024 | -0.70% |
| Sep 30, 2024 | 0.08% |
| Jun 30, 2024 | -4.87% |
| Mar 31, 2024 | 8.39% |
| Dec 31, 2023 | 9.86% |
| Sep 30, 2023 | -57.37% |
| Jun 30, 2023 | -17.54% |
| Mar 31, 2023 | -14.78% |
| Dec 31, 2022 | -3.66% |
| Sep 30, 2022 | -27.15% |
| Jun 30, 2022 | -37.15% |
| Mar 31, 2022 | -43.93% |
| Dec 31, 2021 | -51.84% |
| Sep 30, 2021 | -27.53% |
API Access
SoFi Technologies EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();