TTM
12.6%
YoY change
+4.72pp
Trough year (2021)
-44.2%
Peak year (2025)
11.0%
Latest annual
11.0%
Operating Margin history chart for SoFi Technologies (SOFI) from 2017 to 2025
Latest: 11.0%
Operating Margin change chart for SoFi Technologies (SOFI) from 2017 to 2025
Latest: +4.72pp
Operating Margin history table for SoFi Technologies (SOFI) from 2017 to 2025
| 2025 | 11.0% | +4.72pp | ||
| 2024 | 6.3% | +16.69pp | ||
| 2023 | -10.4% | +7.69pp | ||
| 2022 | -18.1% | +26.16pp | ||
| 2021 | -44.2% | -0.50pp | ||
| 2020 | -43.7% | -10.51pp | ||
| 2019 | -33.2% | +9.00pp | ||
| 2018 | -42.2% | -49.22pp | ||
| 2017 | 7.0% | — |
- 202511.0%+4.72pp
- 20246.3%+16.69pp
- 2023-10.4%+7.69pp
- 2022-18.1%+26.16pp
- 2021-44.2%-0.50pp
- 2020-43.7%-10.51pp
- 2019-33.2%+9.00pp
- 2018-42.2%-49.22pp
- 20177.0%—
Operating Margin values are taken from SoFi Technologies's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Operating Margin at SoFi Technologies (SOFI)
According to SoFi Technologies's latest reported financial statements, the company's latest reported operating margin is 12.6%. Operating margin is operating income divided by revenue — the share of each sales dollar left after cost of goods sold and operating expenses (SG&A, R&D), but before interest and taxes. It isolates how profitable the core business is before financing and tax decisions, so it is comparable across companies with different capital structures.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
In 2025, SoFi Technologies (SOFI) operating margin totalled 11.03% – expanded 4.7 percentage points year-over-year.
2025 marks the peak operating margin at 11.03%, with the historical low of -44.24% recorded in 2021.
SoFi Technologies Operating Margin by Year
SoFi Technologies Operating Margin 2025: 11.0%
SoFi Technologies posted operating margin of 11.03% in 2025, expanded 4.7 percentage points from 2024. This figure represents the highest annual value in the available history.
SoFi Technologies Operating Margin 2024: 6.3%
In 2024, SoFi Technologies reported operating margin of 6.30%, expanded 16.7 percentage points from 2023.
SoFi Technologies Operating Margin 2023: -10.4%
SoFi Technologies operating margin in 2023 was -10.39%, expanded 7.7 percentage points from 2022.
SoFi Technologies Operating Margin 2022: -18.1%
2022's operating margin for SoFi Technologies came in at -18.08%, expanded 26.2 percentage points from 2021.
SoFi Technologies Operating Margin 2021: -44.2%
SoFi Technologies operating margin in 2021 was -44.24%.
See more financial history for SoFi Technologies (SOFI).
Sector peers by Operating Margin
Financial Services peers of SoFi Technologies (SOFI), ranked by their latest operating margin
| 61.1% | |
| 59.4% | |
| 26.2% | |
| 22.9% | |
| 20.5% | |
| 20.5% | |
| 19.5% | |
| 16.1% |
- 61.1%
- 59.4%
- 26.2%
- 20.5%
- 20.5%
- 19.5%
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