SoFi Technologies (SOFI) FCF Margin (2020 - 2026)

SoFi Technologies (SOFI) recorded quarterly FCF Margin of 216.52% in Q1 2026, down 109.86% quarter-over-quarter from 103.17% in Q4 2025, and down 21249.0% on a YoY basis from N/an in Q1 2025.

SoFi Technologies (SOFI) FCF Margin (2020 - 2026) Analysis & Trends

SoFi Technologies' FCF Margin history runs 7 years deep, the most recent figure standing at 216.52% for Q1 2026.

  • In Q1 2026, FCF Margin fell 21249.0% year-over-year to 216.52%; the TTM figure through Mar 2026 stood at 160.74% (down 3788.0% YoY), while the FY2025 annual figure was 110.28%, up 14295.0% from the prior year.
  • FCF Margin was 216.52% for Q1 2026 at SoFi Technologies, down from 103.17% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 610.91% in Q1 2024 to a low of 2846.7% in Q3 2022.
  • Historically, FCF Margin has averaged 623.77% across 5 years, with a median of 188.38% in 2022.
  • The sharpest annual moves came in 2022 and 2024: FCF Margin slumped 250648 bps in 2022, then surged 192385 bps in 2024.
  • A 5-year view of FCF Margin shows it stood at 188.38% in 2022, then soared by 114 bps to 25.99% in 2023, then tumbled by 788 bps to 178.86% in 2024, then surged by 42 bps to 103.17% in 2025, then plunged by 110 bps to 216.52% in 2026.
  • The last three FCF Margin figures came in at 216.52% (Q1 2026), 103.17% (Q4 2025), and 142.04% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 548.22 Bn 535.81 Bn - 23.37%
2 Mastercard 437.48 Bn 427.27 Bn - 33.56%
3 American Express 231.87 Bn 177.83 Bn 17.43 Bn 14.04%
4 Capital One Financial 125.74 Bn 49.24 Bn - 35.91%
5 PayPal Holdings 38.80 Bn 29.46 Bn 7.84 Bn 10.81%
6 Synchrony Financial 25.78 Bn 5.22 Bn - 45.78%
7 Affirm Holdings 24.65 Bn 22.93 Bn 261.64 Mn 6,779.64%
8 SoFi Technologies 22.89 Bn 19.49 Bn 929.25 Mn -216.52%
9 Ally Financial 14.15 Bn 13.70 Bn 1.98 Bn 65.22%
10 Credit Acceptance 6.63 Bn 6.61 Bn 562.70 Mn 46.37%

Historic Data

Download Data
DateValue
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 -178.86%
Sep 30, 2024 -927.33%
Jun 30, 2024 -87.05%
Mar 31, 2024 610.91%
Dec 31, 2023 25.99%
Sep 30, 2023 -2,586.68%
Jun 30, 2023 -2,010.90%
Mar 31, 2023 -473.67%
Dec 31, 2022 -188.38%
Sep 30, 2022 -2,846.70%
Jun 30, 2022 -982.93%
Mar 31, 2022 -313.71%
Dec 31, 2021 -154.72%
Sep 30, 2021 -340.22%
Jun 30, 2021 -119.69%