SoFi Technologies reported a gross margin of 83.58% and a net margin of 12.85% for the quarter ended Jun 2026. These financial ratios cover 26 quarters of results from Dec 2019 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2019 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||
| Gross Margin | 74.42% | 75.77% | 78.68% | 78.18% | 80.40% | 82.35% | 82.23% | 81.15% | 81.71% | 83.11% | 84.49% | 81.67% | 82.25% | 82.54% | 82.44% | 82.40% | 83.21% | 84.23% | 84.45% | 83.58% | ||||||
| EBT Margin | -10.98% | -38.32% | -33.18% | -26.40% | -17.56% | -8.53% | -7.64% | -9.91% | -49.69% | 8.31% | 14.61% | 2.56% | 9.16% | 8.16% | 10.34% | 13.12% | 15.45% | 18.08% | 18.14% | 16.76% | ||||||
| EBIT Margin | -36.56% | -62.55% | -54.50% | -48.22% | -37.16% | -14.28% | -25.41% | -28.76% | -67.98% | 0.35% | 0.21% | -13.82% | -7.72% | -8.36% | -6.49% | -3.30% | -0.38% | 2.84% | 3.39% | 1.47% | ||||||
| EBITDA Margin | -36.56% | -62.55% | -54.50% | -48.22% | -37.16% | -14.28% | -25.41% | -28.76% | -67.98% | 0.35% | 0.21% | -13.82% | -7.72% | -8.36% | -6.49% | -3.30% | -0.38% | 2.84% | 3.39% | 1.47% | ||||||
| Operating Margin | -36.56% | -62.55% | -54.50% | -48.22% | -37.16% | -14.28% | -25.41% | -28.76% | -67.98% | 0.35% | 0.21% | -13.82% | -7.72% | -8.36% | -6.49% | -3.30% | -0.38% | 2.84% | 3.39% | 1.47% | ||||||
| Net Margin | -11.05% | -38.87% | -33.41% | -26.44% | -17.50% | -8.76% | -7.29% | -9.55% | -49.64% | 7.79% | 13.65% | 2.91% | 8.71% | 45.29% | 9.21% | 11.38% | 14.50% | 16.93% | 15.15% | 12.85% | ||||||
| FCF Margin | -76.53% | -437.70% | -313.71% | -266.85% | -684.87% | -534.64% | -473.67% | -422.73% | -505.31% | -45.86% | 109.50% | -87.05% | -174.56% | -33.01% | -4.03% | -179.00% | -142.04% | -103.17% | -216.52% | -327.16% | ||||||
| Efficiency | ||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 7.87B | 8.63B | 10.71B | 12.46B | 6.34B | 9.51B | 20.73B | 24.01B | 26.77B | 29.03B | 30.69B | 31.97B | 33.51B | 35.32B | 37.00B | 39.43B | 43.20B | 47.98B | 52.18B | 57.32B | ||||||
| Invested CapitalInvested Cap. | 2.77B | 3.95B | 4.92B | 3.72B | 4.57B | 5.49B | 6.13B | 6.48B | 6.24B | 5.23B | 2.89B | 3.11B | 3.18B | 3.09B | 3.05B | 3.94B | 2.71B | 1.82B | 1.81B | 3.30B | ||||||
| Asset Utilization RatioAsset Util. | 0.11 | 0.11 | 0.10 | 0.10 | 0.22 | 0.17 | 0.08 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | ||||||
| Leverage & Solvency | ||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -4.69 | -9.81 | -7.67 | -6.53 | -3.92 | -0.66 | -0.89 | -0.80 | -1.67 | 0.01 | 0.01 | -0.32 | -0.18 | -0.22 | -0.19 | -0.10 | -0.01 | 0.09 | 0.12 | 0.05 | ||||||
| Times Interest Earned | -4.69 | -9.81 | -7.67 | -6.53 | -3.92 | -0.66 | -0.89 | -0.80 | -1.67 | 0.01 | 0.01 | -0.32 | -0.18 | -0.22 | -0.19 | -0.10 | -0.01 | 0.09 | 0.12 | 0.05 | ||||||
| Dividends & Payouts | ||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | -0.05 | -0.01 | -0.01 | 0.00 | 0.00 | 0.00 | ||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||
| Enterprise Value | -0.43B | -0.40B | -1.25B | -0.65B | -0.89B | -1.40B | -2.47B | -3.00B | -2.80B | -3.08B | -3.69B | -2.33B | -2.35B | -2.54B | -2.09B | -2.12B | -3.25B | -4.93B | -3.40B | -3.13B | ||||||
| Return Ratios | ||||||||||||||||||||||||||
| Return on SalesROS | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | ||||||
| Return on Capital EmployedROCE | ||||||||||||||||||||||||||
| Return on Invested CapitalROIC | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | ||||||
| Return on AssetsROA | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |