SoFi Technologies (SOFI) FCF Margin (2020 - 2026)
SoFi Technologies (SOFI) recorded FCF Margin of -327.16% in Q2 2026, down 148.16 percentage points from -179.00% a year earlier and down 110.64 percentage points from the prior quarter.
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Analysis
SoFi Technologies (SOFI) FCF Margin (2020 - 2026) Analysis & Trends
On a TTM basis, SoFi Technologies' FCF Margin came in at -204.22% as of Jun 30, 2026, down 105.43 percentage points year-over-year; for FY2025, it was -110.28%, down 62.65 percentage points from FY2024.
- Annual FCF Margin has a five-year change of -21.18 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at -47.63% in FY2024 (+298.07 pp), -345.70% in FY2023 (+121.34 pp), -467.04% in FY2022 (-324.64 pp) and -142.40% in FY2021 (-53.30 pp).
- The Q2 2026 figure is the lowest quarterly FCF Margin since Q3 2023.
- On a year-over-year basis, FCF Margin has declined for three consecutive quarters, with an average year-over-year change of -32.52 percentage points over the last eight quarters.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 583.17 percentage points in Q1 2024, against a drop of 608.34 percentage points in Q3 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at -216.52% (Q1 2026), -103.17% (Q4 2025) and -142.04% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 885.23 Bn | 914.70 Bn | - | -44.09% |
| 2 | Banco Santander Chile | 404.41 Bn | 524.35 Bn | - | - |
| 3 | Bank Of America | 381.15 Bn | -1,994.92 Bn | - | 92.03% |
| 4 | Hsbc Holdings | 319.39 Bn | 319.44 Bn | - | - |
| 5 | Morgan Stanley | 298.67 Bn | -210.43 Bn | - | -16.70% |
| 6 | Royal Bank Of Canada | 268.75 Bn | -557.52 Bn | - | 189.34% |
| 7 | Mitsubishi Ufj Financial | 265.72 Bn | -107.91 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 261.04 Bn | -3,296.07 Bn | - | 27.55% |
| 9 | Wells Fargo & Company | 253.09 Bn | 255.22 Bn | - | 29.95% |
| 10 | SoFi Technologies | 20.39 Bn | 5.68 Bn | 1.02 Bn | -327.16% |
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% |
API Access
SoFi Technologies FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();