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

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

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

SoFi Technologies (SOFI) has reported FCF Margin for 7 consecutive years, with 216.52% the latest figure, recorded in 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 came in at 216.52% for Q1 2026 at SoFi Technologies, down from 103.17% in the prior quarter.
  • The five-year high for FCF Margin was 610.91% in Q1 2024, with the low at 2846.7% in Q3 2022.
  • Average FCF Margin over 5 years is 623.77%, with a median of 188.38% recorded in 2022.
  • Across the five-year window, FCF Margin tumbled 250648 bps in 2022 and surged 192385 bps in 2024, its largest moves.
  • Year by year, FCF Margin stood at 188.38% in 2022, then soared by 114 bps to 25.99% in 2023, then plunged by 788 bps to 178.86% in 2024, then surged by 42 bps to 103.17% in 2025, then sank by 110 bps to 216.52% in 2026.
  • According to Business Quant data, FCF Margin over the past three periods registered 216.52%, 103.17%, and 142.04% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 23.37%
2 Mastercard 465.55 Bn 455.34 Bn - 33.56%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 14.04%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 10.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 6,779.64%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -216.52%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 65.22%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 46.37%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.37%
10 Sezzle 5.91 Bn 5.79 Bn - 65.41%

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%