SoFi Technologies (SOFI) FCF Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly FCF Margin of 1839.75% for Q1 2026, down 181759.0% year-over-year from N/an in Q1 2025, and down 5404.57% quarter-over-quarter from 33.42% in Q4 2025.
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Analysis
SoFi Technologies (SOFI) FCF Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported FCF Margin for 7 consecutive years, with 1839.75% the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Margin fell 181759.0% year-over-year to 1839.75%; the TTM figure through Mar 2026 stood at 147.17% (up 5283.0% YoY), while the FY2025 annual figure was 110.28%, up 14295.0% from the prior year.
- FCF Margin eased to 1839.75% in Q1 2026 per SOFI's latest filing, from 33.42% in the prior quarter.
- Across five years, FCF Margin topped out at 610.91% in Q1 2024 and bottomed at 2846.7% in Q3 2022.
- Historically, FCF Margin has averaged 985.14% across 5 years, with a median of 871.13% in 2025.
- Annual changes were most pronounced in 2022 — FCF Margin sank 250648 bps — and 2024, when it soared 295321 bps.
- SoFi Technologies' FCF Margin stood at 2450.18% in 2022, then soared by 90 bps to 242.61% in 2023, then climbed by 26 bps to 178.86% in 2024, then soared by 81 bps to 33.42% in 2025, then tumbled by 5405 bps to 1839.75% in 2026.
- Business Quant data shows SOFI's FCF Margin at 1839.75% in Q1 2026, 33.42% in Q4 2025, and 871.13% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 52.76% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 37.82% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 50.96% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 20.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -1,112.06% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 50.23% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 59.19% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 7.73% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -327.16% |
| Mar 31, 2026 | -216.52% |
| Dec 31, 2025 | -103.17% |
| Sep 30, 2025 | -142.04% |
| Jun 30, 2025 | -179.00% |
| Mar 31, 2025 | -4.03% |
| Dec 31, 2024 | -33.01% |
| Sep 30, 2024 | -174.56% |
| Jun 30, 2024 | -87.05% |
| Mar 31, 2024 | 109.50% |
| Dec 31, 2023 | -45.86% |
| Sep 30, 2023 | -505.31% |
| Jun 30, 2023 | -422.73% |
| Mar 31, 2023 | -473.67% |
| Dec 31, 2022 | -534.64% |
| Sep 30, 2022 | -684.87% |
| Jun 30, 2022 | -266.85% |
| Mar 31, 2022 | -313.71% |
| Dec 31, 2021 | -437.70% |
| Sep 30, 2021 | -76.53% |