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| Date | Value |
|---|---|
| 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% |