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
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%