SoFi Technologies (SOFI) Operating Income (2020 - 2026)

SoFi Technologies (SOFI) recorded quarterly Operating Income of $37.3 million in Q1 2026, up 28.17% quarter-over-quarter from $29.1 million in Q4 2025, and up 174.56% on a YoY basis from $13.6 million in Q1 2025.

SoFi Technologies (SOFI) Operating Income (2020 - 2026) Analysis & Trends

SoFi Technologies' Operating Income history runs 7 years deep, the most recent figure standing at $37.3 million for Q1 2026.

  • In Q1 2026, Operating Income rose 174.56% year-over-year to $37.3 million; the TTM figure through Mar 2026 stood at -$79.7 million (up 95.03% YoY), while the FY2025 annual figure was -$52.8 million, up 98.05% from the prior year.
  • Operating Income was $37.3 million for Q1 2026 at SoFi Technologies, up from $29.1 million in the prior quarter.
  • In the past five years, Operating Income ranged from a high of $985.7 million in Q4 2022 to a low of -$1.8 billion in Q4 2023.
  • Historically, Operating Income has averaged -$334.9 million across 5 years, with a median of -$211.2 million in 2023.
  • The sharpest annual moves came in 2022 and 2026: Operating Income tumbled 3303.76% in 2022, then soared 174.56% in 2026.
  • A 5-year view of Operating Income shows it stood at $985.7 million in 2022, then sank by 279.56% to -$1.8 billion in 2023, then jumped by 57.0% to -$761.1 million in 2024, then soared by 103.83% to $29.1 million in 2025, then grew 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 548.22 Bn 535.81 Bn - 7.23 Bn
2 Mastercard 437.48 Bn 427.27 Bn - 4.91 Bn
3 American Express 231.87 Bn 177.83 Bn 17.43 Bn 3.55 Bn
4 Capital One Financial 125.74 Bn 49.24 Bn - -
5 PayPal Holdings 38.80 Bn 29.46 Bn 7.84 Bn 1.49 Bn
6 Synchrony Financial 25.78 Bn 5.22 Bn - -
7 Affirm Holdings 24.65 Bn 22.93 Bn 261.64 Mn 88.43 Mn
8 SoFi Technologies 22.89 Bn 19.49 Bn 929.25 Mn 37.32 Mn
9 Ally Financial 14.15 Bn 13.70 Bn 1.98 Bn 746.00 Mn
10 Credit Acceptance 6.63 Bn 6.61 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