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SoFi Technologies, Inc. (SOFI) stock

SOFINasdaqFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 10/308% above fair value
$15.42−0.21 (-1.34%)

Close on Nov 13, 2026Market cap $19.92BP/E 28.0Yield 0.00%

SoFi Technologies gross margin

Gross margin is gross profit as a percentage of revenue.

SoFi Technologies's gross margin for the twelve months ending Sep 30, 2026 was -20.4%. For fiscal 2025 it was 1.7%, against 8.2% the year before. The highest annual figure on record is 16.9% in fiscal 2022.

Annual gross margin

PeriodPeriod endValueChange (pts)
FY2025Dec 31, 20251.7%−6.6
FY2024Dec 31, 20248.2%−1.6
FY2023Dec 31, 20239.8%−7.1
FY2022Dec 31, 202216.9%+20.7
FY2021Dec 31, 2021-3.7%+69.4
FY2020Dec 31, 2020-73.1%+2400.5
FY2019Dec 31, 2019-2473.6%–

Quarterly gross margin

Change is against the same quarter a year earlier.

PeriodPeriod endValueChange (pts)
Q3 FY2026Sep 30, 2026-28.4%−25.4
Q2 FY2026Jun 30, 2026-30.3%−31.3
Q1 FY2026Mar 31, 2026-32.1%−35.6
Q4 FY2025Dec 31, 20255.1%−0.3
Q3 FY2025Sep 30, 2025-3.0%−8.7
Q2 FY2025Jun 30, 20251.0%−8.2
Q1 FY2025Mar 31, 20253.5%−10.0
Q4 FY2024Dec 31, 20245.4%−5.2
Q3 FY2024Sep 30, 20245.7%−0.6
Q2 FY2024Jun 30, 20249.2%−1.2
Q1 FY2024Mar 31, 202413.4%+1.3
Q4 FY2023Dec 31, 202310.6%−8.5
Q3 FY2023Sep 30, 20236.4%−12.2
Q2 FY2023Jun 30, 202310.3%−9.3
Q1 FY2023Mar 31, 202312.1%+3.6
Q4 FY2022Dec 31, 202219.1%+16.8
Q3 FY2022Sep 30, 202218.5%+32.3
Q2 FY2022Jun 30, 202219.6%+18.3
Q1 FY2022Mar 31, 20228.5%+14.7
Q4 FY2021Dec 31, 20212.3%+25.2
Q3 FY2021Sep 30, 2021-13.7%+19.1
Q2 FY2021Jun 30, 20211.3%+118.7
Q1 FY2021Mar 31, 2021-6.2%–
Q4 FY2020Dec 31, 2020-22.8%–
Q3 FY2020Sep 30, 2020-32.9%–
Q2 FY2020Jun 30, 2020-117.4%–

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