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

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

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

SoFi Technologies (SOFI) has reported Operating Income for 7 consecutive years, with $37.3 million the latest figure, recorded in 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 came in at $37.3 million for Q1 2026 at SoFi Technologies, 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.
  • Across the five-year window, Operating Income plunged 3303.76% in 2022 and soared 174.56% in 2026, its largest moves.
  • Year by year, Operating Income stood at $985.7 million in 2022, then slumped 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 gained by 28.17% to $37.3 million in 2026.
  • According to Business Quant data, Operating Income over the past three periods registered $37.3 million, $29.1 million, and -$3.7 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Op. Inc (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 7.23 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 4.91 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 3.55 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 1.49 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 88.43 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 37.32 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 746.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 139.80 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 69.02 Mn
10 Sezzle 5.91 Bn 5.79 Bn - 69.04 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