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 | 541.66 Bn | 529.25 Bn | - | 23.37% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 33.56% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 35.91% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 45.78% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 6,779.64% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -216.52% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 65.22% |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | 46.37% |
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% |