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| Date | Value |
|---|---|
| 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% |