SoFi Technologies (SOFI) EBT Margin (2020 - 2026)

SoFi Technologies (SOFI) posted quarterly EBT Margin of 18.14% for Q1 2026, up 780.0% year-over-year from 2.06% in Q1 2025, and little changed on a QoQ basis from 18.08% in Q4 2025.

SoFi Technologies (SOFI) EBT Margin (2020 - 2026) Analysis & Trends

SoFi Technologies (SOFI) has reported EBT Margin for 7 consecutive years, with 18.14% the latest figure, recorded in Q1 2026.

  • In Q1 2026, EBT Margin rose 780.0% year-over-year to 18.14%; the TTM figure through Mar 2026 stood at 16.38% (up 301.0% YoY), while the FY2025 annual figure was 14.55%, down 3183.0% from the prior year.
  • EBT Margin came in at 18.14% for Q1 2026 at SoFi Technologies, roughly flat from 18.08% in the prior quarter.
  • The five-year high for EBT Margin was 81.5% in Q1 2024, with the low at 254.35% in Q3 2023.
  • Average EBT Margin over 5 years is 15.77%, with a median of 2.56% recorded in 2024.
  • Across the five-year window, EBT Margin slumped 18136 bps in 2023 and surged 30301 bps in 2024, its largest moves.
  • Year by year, EBT Margin stood at 3.01% in 2022, then slumped by 57 bps to 4.71% in 2023, then surged by 1039 bps to 44.22% in 2024, then sank by 59 bps to 18.08% in 2025, then gained by 0 bps to 18.14% in 2026.
  • According to Business Quant data, EBT Margin over the past three periods registered 18.14%, 18.08%, and 15.45% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 63.88%
2 Mastercard 465.55 Bn 455.34 Bn - 57.30%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 19.98%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 16.68%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 32.10%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 18.14%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 19.03%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 27.07%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 16.65%
10 Sezzle 5.91 Bn 5.79 Bn - 48.70%

Historic Data

Download Data
DateValue
Mar 31, 2026 18.14%
Dec 31, 2025 18.08%
Sep 30, 2025 15.45%
Jun 30, 2025 13.12%
Mar 31, 2025 10.34%
Dec 31, 2024 44.22%
Sep 30, 2024 48.66%
Jun 30, 2024 2.56%
Mar 31, 2024 81.50%
Dec 31, 2023 -4.71%
Sep 30, 2023 -254.35%
Jun 30, 2023 -47.12%
Mar 31, 2023 -7.64%
Dec 31, 2022 -3.01%
Sep 30, 2022 -72.99%
Jun 30, 2022 -97.25%
Mar 31, 2022 -33.18%
Dec 31, 2021 -13.55%
Sep 30, 2021 -48.81%
Jun 30, 2021 -71.51%