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 25 quarters of results from Jun 2020 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | 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 | 14.25B | 17.42B | 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. | |||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.09 | 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 | |||||
| Debt Ratio | |||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | -2.95 | -11.07 | -9.51 | -7.28 | -4.72 | -26.17 | |||||||||||||||||||
| FCF Payout RatioFCF Cover | -0.05 | -0.01 | -0.01 | 0.00 | 0.00 | 0.00 | |||||||||||||||||||
| Dividend YieldDiv. Yield | 0.08% | 0.12% | 0.21% | 0.23% | 0.13% | 0.13% | |||||||||||||||||||
| Payout Ratio | -0.34 | -0.09 | -0.11 | -0.14 | -0.21 | -0.04 | |||||||||||||||||||
| Valuation | |||||||||||||||||||||||||
| Price to EarningsP/E | -425.80 | -75.02 | -78.41 | -50.71 | -60.98 | -107.62 | -165.82 | -166.44 | -28.70 | 202.66 | 87.60 | 404.53 | 140.28 | 50.74 | 180.56 | 208.46 | 228.31 | 191.67 | 122.05 | 147.74 | |||||
| Price to SalesP/S | 47.04 | 29.16 | 26.19 | 13.40 | 10.67 | 9.43 | 12.09 | 15.89 | 14.25 | 15.78 | 11.96 | 11.76 | 12.22 | 22.98 | 16.64 | 23.72 | 33.10 | 32.45 | 18.49 | 18.98 | |||||
| Price to BookP/B | 3.01 | 1.90 | 1.66 | 0.94 | 0.87 | 0.83 | 1.09 | 1.51 | 1.51 | 1.85 | 1.32 | 1.19 | 1.39 | 2.59 | 1.92 | 2.96 | 3.62 | 3.17 | 1.88 | 2.09 | |||||
| Enterprise Value | 12.36B | 7.93B | 7.40B | 4.21B | 3.64B | 2.90B | 3.24B | 4.91B | 4.85B | 6.63B | 4.02B | 4.71B | 6.17B | 14.33B | 10.76B | 18.15B | 28.58B | 28.33B | 16.95B | 20.01B | |||||
| EV to EBIT | -124.32 | -44.37 | -41.09 | -24.06 | -23.08 | -44.46 | -26.97 | -34.28 | -13.28 | 0.00B | 0.00B | -56.90 | -114.53 | -233.58 | -214.85 | -643.53 | -0.00B | 972.99 | 454.09 | 0.00B | |||||
| EV to EBITDA | -124.32 | -44.37 | -41.09 | -24.06 | -23.08 | -44.46 | -26.97 | -34.28 | -13.28 | 0.00B | 0.00B | -56.90 | -114.53 | -233.58 | -214.85 | -643.53 | -0.00B | 972.99 | 454.09 | 0.00B | |||||
| Market Capitalization | 12.79B | 8.33B | 8.65B | 4.86B | 4.53B | 4.31B | 5.71B | 7.91B | 7.65B | 9.71B | 7.71B | 7.04B | 8.52B | 16.87B | 12.84B | 20.28B | 31.82B | 33.26B | 20.35B | 23.14B | |||||
| Price to FCFP/FCF | -61.46 | -6.66 | -8.35 | -5.02 | -1.56 | -1.76 | -2.55 | -3.76 | -2.82 | -34.40 | 10.92 | -13.51 | -7.00 | -69.60 | -412.86 | -13.25 | -23.30 | -31.45 | -8.54 | -5.80 | |||||
| EV to FCF | -59.39 | -6.34 | -7.14 | -4.35 | -1.25 | -1.19 | -1.45 | -2.33 | -1.79 | -23.50 | 5.70 | -9.03 | -5.07 | -59.13 | -345.82 | -11.86 | -20.92 | -26.79 | -7.11 | -5.02 | |||||
| EV to CFO | -62.91 | -6.41 | -7.32 | -4.45 | -1.26 | -1.20 | -1.46 | -2.36 | -1.81 | -26.75 | 5.45 | -9.72 | -5.25 | -71.62 | 500.21 | -12.38 | -21.88 | -28.59 | -7.32 | -5.14 | |||||
| Return Ratios | |||||||||||||||||||||||||
| Return on Sales [ROS]ROS | -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% | |||||
| Return on Capital Employed [ROCE]ROCE | |||||||||||||||||||||||||
| Return on Assets [ROA]ROA | -5.79% | -5.61% | -3.89% | -2.79% | -2.75% | -1.84% | -1.18% | -0.82% | -1.45% | -1.04% | -0.58% | -0.35% | 0.64% | 1.41% | 1.30% | 1.42% | 1.48% | 1.00% | 1.11% | 1.11% |