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
DateValue
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