SoFi Technologies (SOFI) Operating Income (2020 - 2026)
SoFi Technologies' quarterly Operating Income came in at $37.3 million in Q1 2026, up 174.56% year-on-year from $13.6 million in Q1 2025, and up 28.17% quarter-over-quarter from $29.1 million in Q4 2025.
SoFi Technologies (SOFI) Operating Income (2020 - 2026) Analysis & Trends
SoFi Technologies has reported Operating Income for 7 years, with the latest figure at $37.3 million in Q1 2026.
- For the quarter ending Q1 2026, Operating Income rose 174.56% year-over-year to $37.3 million; the trailing twelve-month figure through Mar 2026 stood at -$79.7 million (up 95.03% YoY), and the FY2025 full-year result was -$52.8 million, up 98.05% from the prior year.
- Operating Income for Q1 2026 stood at $37.3 million, up from $29.1 million in the prior quarter.
- The five-year high for Operating Income was $985.7 million in Q4 2022, with the low at -$1.8 billion in Q4 2023.
- Average Operating Income over 5 years is -$334.9 million, with a median of -$211.2 million recorded in 2023.
- Year-over-year, Operating Income tumbled 3303.76% in 2022 and surged 174.56% in 2026.
- Tracing SOFI's Operating Income over 5 years: stood at $985.7 million in 2022, then plunged by 279.56% to -$1.8 billion in 2023, then surged by 57.0% to -$761.1 million in 2024, then jumped by 103.83% to $29.1 million in 2025, then increased by 28.17% to $37.3 million in 2026.
- The last three Operating Income figures came in at $37.3 million (Q1 2026), $29.1 million (Q4 2025), and -$3.7 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 7.23 Bn |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 4.91 Bn |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 3.55 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | - |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 1.49 Bn |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 88.43 Mn |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | - |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 37.32 Mn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 746.00 Mn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 139.80 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 37.32 Mn |
| Dec 31, 2025 | 29.12 Mn |
| Sep 30, 2025 | -3.67 Mn |
| Jun 30, 2025 | -142.52 Mn |
| Mar 31, 2025 | -50.06 Mn |
| Dec 31, 2024 | -761.08 Mn |
| Sep 30, 2024 | -710.93 Mn |
| Jun 30, 2024 | -82.72 Mn |
| Mar 31, 2024 | -528.04 Mn |
| Dec 31, 2023 | -1.77 Bn |
| Sep 30, 2023 | -797.45 Mn |
| Jun 30, 2023 | -445.29 Mn |
| Mar 31, 2023 | -211.21 Mn |
| Dec 31, 2022 | 985.69 Mn |
| Sep 30, 2022 | -558.56 Mn |
| Jun 30, 2022 | -503.68 Mn |
| Mar 31, 2022 | -180.04 Mn |
| Dec 31, 2021 | 453.13 Mn |
| Sep 30, 2021 | -310.28 Mn |
| Jun 30, 2021 | -260.34 Mn |