SoFi Technologies (SOFI) Operating Margin (2020 - 2026)
SoFi Technologies' Operating Margin came in at 1.47% for Q2 2026, up 4.77 percentage points from -3.30% a year earlier but down 1.92 percentage points from the prior quarter.
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Analysis
SoFi Technologies (SOFI) Operating Margin (2020 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, SoFi Technologies reported Operating Margin of 1.87%, up 8.20 percentage points year-over-year; for FY2025, it came in at -1.46%, up 5.89 percentage points from FY2024.
- Operating Margin has increased in each of the last four years, though with a five-year change of -1.34 percentage points (FY2020 to FY2025).
- Going back by year, Operating Margin was -7.35% in FY2024 (+22.15 pp), -29.50% in FY2023 (+7.21 pp), -36.71% in FY2022 (+38.24 pp) and -74.95% in FY2021 (-74.83 pp).
- The five-year range for quarterly Operating Margin is -67.98% (Q3 2023) to 3.39% (Q1 2026).
- Year-over-year, Operating Margin has increased for five consecutive quarters, with an average year-over-year change of +11.07 percentage points over the last eight quarters.
- The fastest year-over-year change in Operating Margin over five years came in Q3 2024 (a gain of 60.25 percentage points), and the weakest in Q1 2022 (a drop of 51.80 percentage points).
- Business Quant data shows SOFI's Operating Margin at 3.39% (Q1 2026), 2.84% (Q4 2025) and -0.38% (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 885.23 Bn | 914.70 Bn | - | - |
| 2 | Banco Santander Chile | 404.41 Bn | 524.35 Bn | - | - |
| 3 | Bank Of America | 381.15 Bn | -1,994.92 Bn | - | - |
| 4 | Hsbc Holdings | 319.39 Bn | 319.44 Bn | - | - |
| 5 | Morgan Stanley | 298.67 Bn | -210.43 Bn | - | - |
| 6 | Royal Bank Of Canada | 268.75 Bn | -557.52 Bn | - | - |
| 7 | Mitsubishi Ufj Financial | 265.72 Bn | -107.91 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 261.04 Bn | -3,296.07 Bn | - | - |
| 9 | Wells Fargo & Company | 253.09 Bn | 255.22 Bn | - | - |
| 10 | SoFi Technologies | 20.39 Bn | 5.68 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% |
API Access
SoFi Technologies Operating Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-margin", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-margin&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();