SoFi Technologies (SOFI) Interest Coverage Ratio (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly Interest Coverage Ratio of 3.03 for Q1 2026, down 17.9% year-over-year from 3.69 in Q1 2025, and down 143.35% quarter-over-quarter from 6.99 in Q4 2025.
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Analysis
SoFi Technologies (SOFI) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported Interest Coverage Ratio for 7 consecutive years, with 3.03 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio fell 17.9% year-over-year to 3.03; the TTM figure through Mar 2026 stood at 0.33 (up 130.38% YoY), while the FY2025 annual figure was 0.05, up 97.84% from the prior year.
- Interest Coverage Ratio slipped to 3.03 in Q1 2026 per SOFI's latest filing, from 6.99 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 9.62 in Q4 2022 and bottomed at 18.46 in Q1 2022.
- Historically, Interest Coverage Ratio has averaged 3.08 across 5 years, with a median of 2.12 in 2024.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio sank 12199.63% — and 2025, when it surged 1213.48%.
- SoFi Technologies' Interest Coverage Ratio stood at 9.62 in 2022, then plunged by 107.21% to 0.69 in 2023, then climbed by 9.48% to 0.63 in 2024, then soared by 1213.48% to 6.99 in 2025, then slumped by 143.35% to 3.03 in 2026.
- Business Quant data shows SOFI's Interest Coverage Ratio at 3.03 in Q1 2026, 6.99 in Q4 2025, and 2.64 in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 3.56 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.05 |
| Mar 31, 2026 | 0.12 |
| Dec 31, 2025 | 0.09 |
| Sep 30, 2025 | -0.01 |
| Jun 30, 2025 | -0.10 |
| Mar 31, 2025 | -0.19 |
| Dec 31, 2024 | -0.22 |
| Sep 30, 2024 | -0.18 |
| Jun 30, 2024 | -0.32 |
| Mar 31, 2024 | 0.01 |
| Dec 31, 2023 | 0.01 |
| Sep 30, 2023 | -1.67 |
| Jun 30, 2023 | -0.80 |
| Mar 31, 2023 | -0.89 |
| Dec 31, 2022 | -0.66 |
| Sep 30, 2022 | -3.92 |
| Jun 30, 2022 | -6.53 |
| Mar 31, 2022 | -7.67 |
| Dec 31, 2021 | -9.81 |
| Sep 30, 2021 | -4.69 |