SoFi Technologies (SOFI) Net Margin (2020 - 2026)
SoFi Technologies (SOFI) recorded quarterly Net Margin of 15.15% in Q1 2026, down 10.52% quarter-over-quarter from 16.93% in Q4 2025, and up 594.0% on a YoY basis from 2.18% in Q1 2025.
SoFi Technologies (SOFI) Net Margin (2020 - 2026) Analysis & Trends
SoFi Technologies' Net Margin history runs 7 years deep, the most recent figure standing at 15.15% for Q1 2026.
- In Q1 2026, Net Margin rose 594.0% year-over-year to 15.15%; the TTM figure through Mar 2026 stood at 14.64% (down 1479.0% YoY), while the FY2025 annual figure was 13.32%, down 8579.0% from the prior year.
- Net Margin was 15.15% for Q1 2026 at SoFi Technologies, down from 16.93% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 245.34% in Q4 2024 to a low of 254.12% in Q3 2023.
- Historically, Net Margin has averaged 4.71% across 5 years, with a median of 2.91% in 2024.
- The sharpest annual moves came in 2024 and 2025: Net Margin surged 30041 bps in 2024, then sank 22841 bps in 2025.
- A 5-year view of Net Margin shows it stood at 3.09% in 2022, then plunged by 43 bps to 4.41% in 2023, then soared by 5661 bps to 245.34% in 2024, then plunged by 93 bps to 16.93% in 2025, then retreated by 11 bps to 15.15% in 2026.
- The last three Net Margin figures came in at 15.15% (Q1 2026), 16.93% (Q4 2025), and 14.5% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 53.62% |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 46.23% |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 13.66% |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 16.44% |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 13.84% |
| 10 | Credit Acceptance | 6.63 Bn | 6.61 Bn | 562.70 Mn | 21.04% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 245.34% |
| Sep 30, 2024 | 46.29% |
| Jun 30, 2024 | 2.91% |
| Mar 31, 2024 | 76.16% |
| Dec 31, 2023 | -4.41% |
| Sep 30, 2023 | -254.12% |
| Jun 30, 2023 | -45.42% |
| Mar 31, 2023 | -7.29% |
| Dec 31, 2022 | -3.09% |
| Sep 30, 2022 | -72.75% |
| Jun 30, 2022 | -97.37% |
| Mar 31, 2022 | -33.41% |
| Dec 31, 2021 | -13.74% |
| Sep 30, 2021 | -49.11% |
| Jun 30, 2021 | -71.48% |