SoFi Technologies (SOFI) Operating Margin (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly Operating Margin of 720.86% for Q1 2026, down 23544.0% year-over-year from N/an in Q1 2025, and down 1151.95% quarter-over-quarter from 68.53% in Q4 2025.
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SoFi Technologies (SOFI) Operating Margin (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported Operating Margin for 7 consecutive years, with 720.86% the latest figure, recorded in Q1 2026.
- In Q1 2026, Operating Margin fell 23544.0% year-over-year to 720.86%; the TTM figure through Mar 2026 stood at 9.25% (up 21247.0% YoY), while the FY2025 annual figure was 1.46%, up 46926.0% from the prior year.
- Operating Margin slipped to 720.86% in Q1 2026 per SOFI's latest filing, from 68.53% in the prior quarter.
- Across five years, Operating Margin topped out at 68.53% in Q4 2025 and bottomed at 759.88% in Q3 2023.
- Historically, Operating Margin has averaged 395.58% across 5 years, with a median of 470.09% in 2022.
- Annual changes were most pronounced in 2022 — Operating Margin sank 55290 bps — and 2025, when it surged 55557 bps.
- SoFi Technologies' Operating Margin stood at 423.75% in 2022, then declined by 1 bps to 427.14% in 2023, then decreased by 14 bps to 487.04% in 2024, then soared by 114 bps to 68.53% in 2025, then slumped by 1152 bps to 720.86% in 2026.
- Business Quant data shows SOFI's Operating Margin at 720.86% in Q1 2026, 68.53% in Q4 2025, and 515.64% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 59.12% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 60.22% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 16.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 12.63% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 33.20% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 11.82% |
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% |