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.
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | 0.46 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -3.03 |
| Dec 31, 2025 | 6.99 |
| Sep 30, 2025 | -2.64 |
| Jun 30, 2025 | -0.10 |
| Mar 31, 2025 | -2.57 |
| Dec 31, 2024 | -0.63 |
| Sep 30, 2024 | -2.12 |
| Jun 30, 2024 | -0.32 |
| Mar 31, 2024 | -2.01 |
| Dec 31, 2023 | -0.69 |
| Sep 30, 2023 | -3.64 |
| Jun 30, 2023 | -0.80 |
| Mar 31, 2023 | -3.66 |
| Dec 31, 2022 | 9.62 |
| Sep 30, 2022 | -11.93 |
| Jun 30, 2022 | -16.39 |
| Mar 31, 2022 | -18.46 |
| Dec 31, 2021 | -38.47 |
| Sep 30, 2021 | -14.62 |
| Jun 30, 2021 | -14.09 |