SoFi Technologies (SOFI) Net Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly Net Margin of 128.75% for Q1 2026, up 7809.0% year-over-year from 1.63% in Q1 2025, and up 2247.4% quarter-over-quarter from 5.48% in Q4 2025.
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Analysis
SoFi Technologies (SOFI) Net Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported Net Margin for 7 consecutive years, with 128.75% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin rose 7809.0% year-over-year to 128.75%; the TTM figure through Mar 2026 stood at 13.4% (down 3450.0% YoY), while the FY2025 annual figure was 13.32%, down 8579.0% from the prior year.
- Net Margin improved to 128.75% in Q1 2026 per SOFI's latest filing, from 5.48% in the prior quarter.
- Across five years, Net Margin topped out at 245.35% in Q4 2024 and bottomed at 254.12% in Q3 2023.
- Historically, Net Margin has averaged 2.58% across 5 years, with a median of 5.48% in 2025.
- Annual changes were most pronounced in 2024 — Net Margin jumped 30041 bps — and 2025, when it tumbled 23987 bps.
- SoFi Technologies' Net Margin stood at 40.15% in 2022, then jumped by 203 bps to 41.19% in 2023, then jumped by 496 bps to 245.35% in 2024, then sank by 98 bps to 5.48% in 2025, then jumped by 2247 bps to 128.75% in 2026.
- Business Quant data shows SOFI's Net Margin at 128.75% in Q1 2026, 5.48% in Q4 2025, and 88.9% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 8.70% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 12.85% |
| Mar 31, 2026 | 15.15% |
| Dec 31, 2025 | 16.93% |
| Sep 30, 2025 | 14.50% |
| Jun 30, 2025 | 11.38% |
| Mar 31, 2025 | 9.21% |
| Dec 31, 2024 | 45.29% |
| Sep 30, 2024 | 8.71% |
| Jun 30, 2024 | 2.91% |
| Mar 31, 2024 | 13.65% |
| Dec 31, 2023 | 7.79% |
| Sep 30, 2023 | -49.64% |
| Jun 30, 2023 | -9.55% |
| Mar 31, 2023 | -7.29% |
| Dec 31, 2022 | -8.76% |
| Sep 30, 2022 | -17.50% |
| Jun 30, 2022 | -26.44% |
| Mar 31, 2022 | -33.41% |
| Dec 31, 2021 | -38.87% |
| Sep 30, 2021 | -11.05% |