stockrowSoFi Technologies, Inc.
SOFI Financial Credit Services
SoFi Technologies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 26.6% from fiscal 2024.
- Revenue
- +41.9%
- EPS
- +58.3%
- Free cash flow
- −120.0%
- Total debt
- +42.3%
Quarter to September 2026, against a year earlier
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SoFi Technologies, Inc. (SOFI) Gross margin
SoFi Technologies, Inc.'s gross margin over the twelve months to 30 September 2026 was 77.4%, up 1.6 percentage points from fiscal 2025 (75.8%). Over the past ten years it has ranged from 0.00% (fiscal 2018) to 90.6% (fiscal 2021); the current reading is higher than 78% of that period. That is in line with the Credit Services industry median of 76.6% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 75.8% | 4.74 |
| FY2024 | 71.0% | (1.88) |
| FY2023 | 72.9% | (16.36) |
| FY2022 | 89.3% | (1.29) |
| FY2021 | 90.6% | 15.26 |
| FY2020 | 75.3% | 13.90 |
| FY2019 | 61.4% | 61.39 |
| FY2018 | 0.00% | 0.00 |
| FY2017 | 0.00% | — |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 77.0% | (0.57) |
| Jun 2026 | 77.6% | (0.56) |
| Mar 2026 | 78.1% | 1.36 |
| Dec 2025 | 76.8% | 0.94 |
| 21 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| CACC Credit Acceptance Corporation compare | 100.0% |
| SYF Synchrony Financial compare | 83.2% |
| OMF OneMain Holdings, Inc. compare | 79.8% |
| SOFI SoFi Technologies, Inc. | 77.4% |
| ALLY Ally Financial Inc. compare | 61.8% |
| KLAR Klarna Group plc compare | 58.2% |
| FCFS FirstCash Holdings, Inc. compare | 50.2% |
| PYPL PayPal Holdings, Inc. compare | 40.6% |
| AFRM Affirm Holdings, Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on SOFI
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement