SoFi Technologies (SOFI) Operating Margin (2020 - 2026)
SoFi Technologies' quarterly Operating Margin came in at 3.39% in Q1 2026, up 988.0% year-on-year from 0.31% in Q1 2025, and up 19.4% quarter-over-quarter from 2.84% in Q4 2025.
SoFi Technologies (SOFI) Operating Margin (2020 - 2026) Analysis & Trends
SoFi Technologies has reported Operating Margin for 7 years, with the latest figure at 3.39% in Q1 2026.
- For the quarter ending Q1 2026, Operating Margin rose 988.0% year-over-year to 3.39%; the trailing twelve-month figure through Mar 2026 stood at 2.02% (up 9600.0% YoY), and the FY2025 full-year result was 1.46%, up 53578.0% from the prior year.
- Operating Margin for Q1 2026 stood at 3.39%, up from 2.84% in the prior quarter.
- The five-year high for Operating Margin was 162.99% in Q4 2023, with the low at 759.88% in Q3 2023.
- Average Operating Margin over 5 years is 217.41%, with a median of 44.73% recorded in 2023.
- Year-over-year, Operating Margin plunged 72464 bps in 2024 and surged 56449 bps in 2025.
- Tracing SOFI's Operating Margin over 5 years: stood at 76.05% in 2022, then surged by 114 bps to 162.99% in 2023, then tumbled by 445 bps to 561.65% in 2024, then soared by 101 bps to 2.84% in 2025, then rose by 19 bps to 3.39% in 2026.
- The last three Operating Margin figures came in at 3.39% (Q1 2026), 2.84% (Q4 2025), and 0.38% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 64.42% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 58.43% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | - |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 17.81% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 26.44% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | - |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 35.49% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 24.11% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 3.39% |
| Dec 31, 2025 | 2.84% |
| Sep 30, 2025 | -0.38% |
| Jun 30, 2025 | -16.67% |
| Mar 31, 2025 | -6.49% |
| Dec 31, 2024 | -561.65% |
| Sep 30, 2024 | -541.77% |
| Jun 30, 2024 | -13.82% |
| Mar 31, 2024 | -456.75% |
| Dec 31, 2023 | 162.99% |
| Sep 30, 2023 | -759.88% |
| Jun 30, 2023 | -425.33% |
| Mar 31, 2023 | -44.73% |
| Dec 31, 2022 | 76.05% |
| Sep 30, 2022 | -547.59% |
| Jun 30, 2022 | -511.76% |
| Mar 31, 2022 | -54.50% |
| Dec 31, 2021 | 56.08% |
| Sep 30, 2021 | -507.08% |
| Jun 30, 2021 | -112.57% |