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.
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 48.38% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 47.30% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 23.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 12.72% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 17.93% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 9.91% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 128.75% |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | 16.05% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 128.75% |
| Dec 31, 2025 | 5.48% |
| Sep 30, 2025 | 88.90% |
| Jun 30, 2025 | 11.38% |
| Mar 31, 2025 | 50.66% |
| Dec 31, 2024 | 245.35% |
| Sep 30, 2024 | 46.29% |
| Jun 30, 2024 | 2.91% |
| Mar 31, 2024 | 76.16% |
| Dec 31, 2023 | 41.19% |
| Sep 30, 2023 | -254.12% |
| Jun 30, 2023 | -9.55% |
| Mar 31, 2023 | -36.05% |
| Dec 31, 2022 | -40.15% |
| Sep 30, 2022 | -72.75% |
| Jun 30, 2022 | -97.37% |
| Mar 31, 2022 | -143.28% |
| Dec 31, 2021 | -156.68% |
| Sep 30, 2021 | -49.11% |
| Jun 30, 2021 | -269.01% |