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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

SoFi Technologies (SOFI) Gross Margin (2020 - 2025)

SoFi Technologies has reported Gross Margin over the past 6 years, most recently at 5.09% for Q4 2025.

  • Quarterly results put Gross Margin at 5.09% for Q4 2025, down 8758.0% from a year ago — trailing twelve months through Dec 2025 was 64.81% (down 6981.0% YoY), and the annual figure for FY2025 was 1.67%, down 657.0%.
  • Gross Margin for Q4 2025 was 5.09% at SoFi Technologies, down from 83.21% in the prior quarter.
  • Over the last five years, Gross Margin for SOFI hit a ceiling of 109.57% in Q4 2023 and a floor of 74.31% in Q4 2022.
  • Median Gross Margin over the past 5 years was 58.17% (2021), compared with a mean of 31.65%.
  • Biggest five-year swings in Gross Margin: skyrocketed 23871bps in 2021 and later tumbled -12890bps in 2022.
  • SoFi Technologies' Gross Margin stood at 54.59% in 2021, then plummeted by -236bps to 74.31% in 2022, then surged by 247bps to 109.57% in 2023, then decreased by -15bps to 92.67% in 2024, then crashed by -95bps to 5.09% in 2025.
  • The last three reported values for Gross Margin were 5.09% (Q4 2025), 83.21% (Q3 2025), and 74.3% (Q2 2025) per Business Quant data.