SoFi Technologies (SOFI) EBT Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly EBT Margin of 154.09% for Q1 2026, up 9726.0% year-over-year from 1.57% in Q1 2025, and up 2530.87% quarter-over-quarter from 5.86% in Q4 2025.
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Analysis
SoFi Technologies (SOFI) EBT Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported EBT Margin for 7 consecutive years, with 154.09% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBT Margin rose 9726.0% year-over-year to 154.09%; the TTM figure through Mar 2026 stood at 15.0% (down 677.0% YoY), while the FY2025 annual figure was 14.55%, down 3183.0% from the prior year.
- EBT Margin grew to 154.09% in Q1 2026 per SOFI's latest filing, from 5.86% in the prior quarter.
- Across five years, EBT Margin topped out at 154.09% in Q1 2026 and bottomed at 254.35% in Q3 2023.
- Historically, EBT Margin has averaged 6.36% across 5 years, with a median of 5.86% in 2025.
- Annual changes were most pronounced in 2023 — EBT Margin plunged 18136 bps — and 2024, when it jumped 30301 bps.
- SoFi Technologies' EBT Margin stood at 39.09% in 2022, then jumped by 213 bps to 43.97% in 2023, then rose by 1 bps to 44.22% in 2024, then slumped by 87 bps to 5.86% in 2025, then surged by 2531 bps to 154.09% in 2026.
- Business Quant data shows SOFI's EBT Margin at 154.09% in Q1 2026, 5.86% in Q4 2025, and 94.74% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 58.74% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 59.14% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 24.09% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.09% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 14.50% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 24.62% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 16.76% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 23.49% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 11.82% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 16.76% |
| 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 | 8.16% |
| Sep 30, 2024 | 9.16% |
| Jun 30, 2024 | 2.56% |
| Mar 31, 2024 | 14.61% |
| Dec 31, 2023 | 8.31% |
| Sep 30, 2023 | -49.69% |
| Jun 30, 2023 | -9.91% |
| Mar 31, 2023 | -7.64% |
| Dec 31, 2022 | -8.53% |
| Sep 30, 2022 | -17.56% |
| Jun 30, 2022 | -26.40% |
| Mar 31, 2022 | -33.18% |
| Dec 31, 2021 | -38.32% |
| Sep 30, 2021 | -10.98% |