SoFi Technologies (SOFI) EBT Margin (2020 - 2026)
SoFi Technologies' quarterly EBT Margin came in at 18.14% in Q1 2026, up 780.0% year-on-year from 2.06% in Q1 2025, and little changed quarter-over-quarter from 18.08% in Q4 2025.
SoFi Technologies (SOFI) EBT Margin (2020 - 2026) Analysis & Trends
SoFi Technologies has reported EBT Margin for 7 years, with the latest figure at 18.14% in Q1 2026.
- For the quarter ending Q1 2026, EBT Margin rose 780.0% year-over-year to 18.14%; the trailing twelve-month figure through Mar 2026 stood at 16.38% (up 301.0% YoY), and the FY2025 full-year result was 14.55%, down 3183.0% from the prior year.
- EBT Margin for Q1 2026 stood at 18.14%, 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.
- Year-over-year, EBT Margin sank 18136 bps in 2023 and jumped 30301 bps in 2024.
- Tracing SOFI's EBT Margin over 5 years: stood at 3.01% in 2022, then plunged by 57 bps to 4.71% in 2023, then soared by 1039 bps to 44.22% in 2024, then tumbled by 59 bps to 18.08% in 2025, then increased by 0 bps to 18.14% in 2026.
- The last three EBT Margin figures came in at 18.14% (Q1 2026), 18.08% (Q4 2025), and 15.45% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 63.88% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 57.30% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 17.72% |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 16.68% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 32.10% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 21.96% |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 19.03% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 27.07% |
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% |