SoFi Technologies (SOFI) Operating Margin (2020 - 2026)
SoFi Technologies (SOFI) posted Operating Margin of 1.47% for Q2 2026, down 56.64% on a QoQ basis from 3.39% in Q1 2026, and up 477.0% year-over-year from 0.25% in Q2 2025.
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SoFi Technologies (SOFI) Operating Margin (2020 - 2026) Analysis & Trends
SoFi Technologies has reported Operating Margin for 7 years, with the latest figure at 1.47% in Q2 2026.
- On a quarterly basis, Operating Margin rose 477.0% year-over-year to 1.47% in Q2 2026; TTM through Jun 2026 was 1.87%, a 820.0% increase from a year earlier, with the FY2025 full-year figure at 1.46%, up 589.0% from the prior year.
- Operating Margin was 1.47% for Q2 2026 at SoFi Technologies, down from 3.39% in the prior quarter.
- The five-year high for Operating Margin was 3.39% in Q1 2026, with the low at 67.98% in Q3 2023.
- Average Operating Margin over 5 years is 17.12%, with a median of 8.04% recorded in 2024.
- The sharpest annual moves came in 2022 and 2024: Operating Margin sank 5180 bps in 2022, then jumped 6025 bps in 2024.
- Over 5 years, Operating Margin stood at 14.28% in 2022, then jumped by 102 bps to 0.35% in 2023, then plunged by 2486 bps to 8.36% in 2024, then soared by 134 bps to 2.84% in 2025, then plunged by 48 bps to 1.47% in 2026.
- The last three Operating Margin figures came in at 1.47% (Q2 2026), 3.39% (Q1 2026), and 2.84% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of America | 405.01 Bn | -183.49 Bn | 30.39 Bn | 37.28% |
| 2 | Morgan Stanley | 318.33 Bn | 158.20 Bn | - | - |
| 3 | Royal Bank Of Canada | 284.62 Bn | 57.78 Bn | - | - |
| 4 | Goldman Sachs | 274.43 Bn | -701.92 Bn | - | - |
| 5 | Mitsubishi Ufj Financial | 274.26 Bn | -110.06 Bn | 10.89 Bn | - |
| 6 | Wells Fargo & Company | 260.84 Bn | 59.01 Bn | - | - |
| 7 | American Express | 210.32 Bn | 161.00 Bn | 17.99 Bn | 17.85% |
| 8 | Banco Santander | 210.20 Bn | 217.82 Bn | 28.01 Bn | 29.14% |
| 9 | Toronto Dominion Bank | 206.68 Bn | 45.35 Bn | - | 6.25% |
| 10 | SoFi Technologies | 21.88 Bn | 18.76 Bn | 1.02 Bn | 1.47% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.47% |
| Mar 31, 2026 | 3.39% |
| Dec 31, 2025 | 2.84% |
| Sep 30, 2025 | -0.38% |
| Jun 30, 2025 | -3.30% |
| Mar 31, 2025 | -6.49% |
| Dec 31, 2024 | -8.36% |
| Sep 30, 2024 | -7.72% |
| Jun 30, 2024 | -13.82% |
| Mar 31, 2024 | 0.21% |
| Dec 31, 2023 | 0.35% |
| Sep 30, 2023 | -67.98% |
| Jun 30, 2023 | -28.76% |
| Mar 31, 2023 | -25.41% |
| Dec 31, 2022 | -14.28% |
| Sep 30, 2022 | -37.16% |
| Jun 30, 2022 | -48.22% |
| Mar 31, 2022 | -54.50% |
| Dec 31, 2021 | -62.55% |
| Sep 30, 2021 | -36.56% |