SoFi Technologies Ratios (2019-2025) | SOFI

Ratios Dec2019 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 19.96%61.42%57.91%55.49%58.94%57.73%54.59%58.18%60.32%61.76%61.96%62.90%63.29%65.24%71.61%74.05%69.14%69.17%68.77%69.14%69.03%70.17%
EBT Margin -135.77%-21.26%-51.06%-90.04%-71.51%-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%
EBIT Margin -215.81%-59.84%-93.15%-134.55%-112.57%-53.25%-83.74%-75.00%-66.08%-55.80%-34.67%-44.73%-46.61%-84.45%-11.15%-10.23%-26.36%-20.80%-22.13%-19.79%-16.67%-13.43%
EBITDA Margin -135.85%-21.34%-48.25%-90.64%-71.59%-11.03%-39.22%-34.77%-27.00%-17.88%-8.47%-6.88%-9.30%-48.58%7.49%13.51%3.01%10.09%43.04%10.67%11.47%15.12%
Operating Margin -215.81%-59.84%-93.15%-134.55%-112.57%-53.25%-83.74%-75.00%-66.08%-55.80%-34.67%-44.73%-46.61%-84.45%-11.15%-10.23%-26.36%-20.80%-22.13%-19.79%-16.67%-13.43%
Net Margin -135.84%-21.35%-48.18%-90.60%-71.48%-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%
FCF Margin -4.38%-4.79%169.71%-119.69%-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%
Efficiency
Assets Average 4.28B4.68B4.23B7.87B8.63B10.71B12.46B14.25B17.42B20.73B24.01B26.77B29.03B30.69B31.97B33.51B35.32B37.00B39.43B43.20B
Equity Average -0.35B-0.37B-0.25B-0.21B1.96B4.23B4.31B4.79B5.20B5.18B5.19B5.22B5.25B5.16B5.14B5.53B5.86B6.01B6.32B6.60B6.77B7.82B
Invested Capital -0.34B-0.35B-0.38B4.68B-0.29B6.53B7.02B8.33B10.13B8.91B9.75B10.69B11.36B11.74B11.29B10.47B8.72B9.01B9.30B9.62B9.72B10.80B11.49B
Asset Utilization Ratio 0.140.190.110.110.100.100.100.090.080.080.070.070.070.070.080.080.080.080.08
Leverage & Solvency
Interest Coverage Ratio -3.37-3.09-3.00-7.48-9.27-6.82-13.14-10.55-8.94-5.89-1.60-1.56-1.30-2.07-0.27-0.25-0.60-0.50-0.59-0.58-0.52-0.42
Equity Ratio -815.71-0.01-0.360.550.530.480.430.410.330.270.230.210.180.170.190.180.180.180.180.170.19
Times Interest Earned -3.37-3.09-3.00-7.48-9.27-6.82-13.14-10.55-8.94-5.89-1.60-1.56-1.30-2.07-0.27-0.25-0.60-0.50-0.59-0.58-0.52-0.42
Dividends & Payouts
FCF Payout Ratio -2.480.03-0.04-0.02-0.01-0.01-0.01-0.07
Valuation
Enterprise Value -0.50B-0.64B0.58B0.50B1.37B15.07B12.19B12.36B7.40B4.17B3.61B2.87B3.20B4.84B4.79B6.46B3.44B4.65B6.02B14.17B10.67B18.01B28.39B
Market Capitalization 1.07B1.25B1.73B15.42B12.62B12.76B8.65B4.83B4.50B4.28B5.67B7.85B7.59B9.54B7.13B6.99B8.38B16.71B12.75B20.13B31.64B
Return Ratios
Return on Sales -0.63%-0.59%-0.52%-0.49%-0.37%-0.28%-0.28%-0.20%-0.14%-0.11%-0.20%-0.14%-0.08%-0.05%0.08%0.19%0.17%0.18%0.19%
Return on Capital Employed -0.15%
Return on Invested Capital -0.32%-0.26%-0.12%-0.08%-0.07%-0.09%-0.09%-0.05%
Return on Assets -0.09%-0.11%-0.06%-0.06%-0.04%-0.03%-0.03%-0.02%-0.01%-0.01%-0.01%-0.01%-0.01%0.00%0.01%0.01%0.01%0.01%0.01%
Return on Equity 1.98%-0.24%-0.11%-0.11%-0.09%-0.07%-0.08%-0.06%-0.05%-0.04%-0.08%-0.06%-0.03%-0.02%0.04%0.08%0.07%0.08%0.08%