SOFI 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 Dec2025
Profitability
Gross Margin (Quarter) -237.36%74.19%118.23%-6.16%1.35%74.42%54.59%78.68%78.18%61.76%-74.31%82.23%10.32%65.24%109.57%-44.77%-52.97%5.72%92.67%82.44%-74.30%83.21%5.09%
EBT Margin (Quarter) -482.73%-21.26%30.12%-325.42%-269.14%-10.98%-38.32%-33.18%-26.40%-17.56%-39.09%-7.64%-47.12%-49.69%-4.71%81.50%12.70%48.66%-4.17%10.34%73.86%15.45%108.83%
EBIT Margin (Quarter) -1,323.51%-47.07%0.23%-9.75%-644.14%-36.56%-83.74%-54.50%-48.22%-55.80%-517.16%-25.41%-512.49%-84.45%156.47%-514.96%-526.25%-472.27%139.09%-6.49%-556.70%-0.38%-484.84%
EBITDA Margin (Quarter) 40.80%-21.34%28.46%-327.59%-269.45%-11.03%-39.22%-34.77%-27.00%-17.88%-38.84%-6.88%-44.25%-48.58%-4.25%75.40%14.91%53.60%-21.98%10.67%64.54%15.12%102.75%
Operating Margin (Quarter) -1,323.51%-47.07%0.23%-9.75%-644.14%-36.56%-83.74%-54.50%-48.22%-55.80%-517.16%-25.41%-512.49%-84.45%156.47%-514.96%-526.25%-472.27%139.09%-6.49%-556.70%-0.38%-484.84%
Net Margin (Quarter) 40.99%-21.35%28.42%-327.45%-269.01%-11.05%-38.87%-33.41%-26.44%-17.50%-40.15%-7.29%-45.42%-49.64%-4.41%76.16%14.41%46.29%-23.13%9.21%64.04%14.50%101.91%
FCF Margin (Quarter) -4.38%2.83%613.36%-450.44%-76.53%-437.70%-313.71%-266.85%-684.87%-2,450.18%-473.67%-2,010.90%-505.31%25.99%610.91%-431.42%-927.33%16.86%-4.03%-1,007.55%-142.04%-621.04%
Efficiency
Assets Average (Quarter) 4.28B4.68B4.23B7.87B8.63B10.71B12.46B14.25B17.42B20.73B24.01B26.77B29.03B30.69B31.97B33.51B35.32B37.00B39.43B43.20B47.98B
Equity Average (Quarter) -0.35B-0.37B-0.25B-0.21B1.96B4.23B4.31B4.79B5.20B5.18B5.19B5.22B5.25B5.16B5.14B5.53B5.86B6.01B6.32B6.60B6.77B7.82B9.63B
Invested Capital (Quarter) -0.34B-0.35B-0.38B4.68B-0.29B6.53B7.02B8.33B10.13B8.91B9.75B10.69B11.36B11.74B11.29B10.47B8.72B9.01B9.30B9.62B9.72B10.80B11.49B12.30B
Asset Utilization Ratio (Quarter) -0.020.000.010.010.080.090.100.100.070.070.050.050.00-0.01-0.01-0.02-0.03-0.01-0.010.010.04
Leverage & Solvency
Interest Coverage Ratio (Quarter) -5.82-2.43-0.01-0.15-14.09-4.69-13.14-7.67-6.53-5.89-5.21-0.89-3.00-2.07-6.65-2.26-2.43-2.12-7.30-0.19-3.08-0.01-2.66
Equity Ratio (Quarter) -815.71-0.01-0.360.550.530.480.430.410.330.270.230.210.180.170.190.180.180.180.180.170.190.21
Times Interest Earned (Quarter) -5.82-2.43-0.01-0.15-14.09-4.69-13.14-7.67-6.53-5.89-5.21-0.89-3.00-2.07-6.65-2.26-2.43-2.12-7.30-0.19-3.08-0.01-2.66
Dividends & Payouts
FCF Payout Ratio (Quarter) -1.16-2.480.03-0.04-0.05-0.02-0.01-0.010.00-0.010.000.00-0.07
Valuation
Enterprise Value (Quarter) -0.50B-0.64B-0.49B-0.75B-0.35B-0.35B-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
Return Ratios
Return on Sales (Quarter) 0.41%-0.21%0.28%-3.27%-2.69%-0.11%-0.39%-0.33%-0.26%-0.18%-0.40%-0.07%-0.45%-0.50%-0.04%0.76%0.14%0.46%-0.23%0.09%0.64%0.14%1.02%
Return on Capital Employed (Quarter) -0.08%
Return on Invested Capital (Quarter) -0.12%-0.16%-0.07%-0.10%-0.10%-0.07%-0.09%-0.11%-0.09%-0.12%-0.14%-0.26%-0.36%-0.41%-0.37%-0.87%-0.75%-0.61%-0.42%-0.13%
Return on Assets (Quarter) -0.03%-0.06%-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%0.01%
Return on Equity (Quarter) 0.47%1.43%-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%0.05%