SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly EBITDA Margin of 720.86% for Q1 2026, down 23544.0% year-over-year from N/an in Q1 2025, and down 1151.95% quarter-over-quarter from 68.53% in Q4 2025.
SoFi Technologies (SOFI) EBITDA Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported EBITDA Margin for 7 consecutive years, with 720.86% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBITDA Margin fell 23544.0% year-over-year to 720.86%; the TTM figure through Mar 2026 stood at 9.25% (up 21247.0% YoY), while the FY2025 annual figure was 1.46%, up 46926.0% from the prior year.
- EBITDA Margin slipped to 720.86% in Q1 2026 per SOFI's latest filing, from 68.53% in the prior quarter.
- Across five years, EBITDA Margin topped out at 68.53% in Q4 2025 and bottomed at 759.88% in Q3 2023.
- Historically, EBITDA Margin has averaged 395.58% across 5 years, with a median of 470.09% in 2022.
- Annual changes were most pronounced in 2022 — EBITDA Margin sank 55290 bps — and 2025, when it surged 55557 bps.
- SoFi Technologies' EBITDA Margin stood at 423.75% in 2022, then declined by 1 bps to 427.14% in 2023, then decreased by 14 bps to 487.04% in 2024, then soared by 114 bps to 68.53% in 2025, then slumped by 1152 bps to 720.86% in 2026.
- Business Quant data shows SOFI's EBITDA Margin at 720.86% in Q1 2026, 68.53% in Q4 2025, and 515.64% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 87.81% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 44.85% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | 33.20% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -720.86% |
| Dec 31, 2025 | 68.53% |
| Sep 30, 2025 | -515.64% |
| Jun 30, 2025 | -3.30% |
| Mar 31, 2025 | -485.42% |
| Dec 31, 2024 | -487.04% |
| Sep 30, 2024 | -472.27% |
| Jun 30, 2024 | -13.82% |
| Mar 31, 2024 | -456.75% |
| Dec 31, 2023 | -427.14% |
| Sep 30, 2023 | -759.88% |
| Jun 30, 2023 | -28.76% |
| Mar 31, 2023 | -520.14% |
| Dec 31, 2022 | -423.75% |
| Sep 30, 2022 | -470.09% |
| Jun 30, 2022 | -445.96% |
| Mar 31, 2022 | -562.65% |
| Dec 31, 2021 | -555.26% |
| Sep 30, 2021 | -507.08% |
| Jun 30, 2021 | -644.14% |