SoFi Technologies, Inc. (SOFI) Earnings History
Annual and quarterly earnings data from 2018 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 69.7% | 6.3% | 13.5% |
| 2023 | 70.9% | -10.4% | -10.4% |
| 2022 | 86.2% | -18.1% | -18.2% |
| 2021 | 89.9% | -44.2% | -44.5% |
| 2020 | 75.3% | -43.7% | -29.8% |
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SoFi Technologies, Inc. (SOFI) Earnings Overview
As of March 2, 2026, SoFi Technologies, Inc. (SOFI) reported trailing twelve-month net income of $640M, reflecting +2.1% year-over-year growth. The company earned $0.50 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, SOFI's historical earnings data spans multiple years. The company achieved its highest annual net income of $499M in fiscal 2024, representing a new all-time high.
SoFi Technologies, Inc. maintains positive profitability with a gross margin of 0.7%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including JSM (-$50M net income, 0.0% margin), SLM ($623M net income, 0.2% margin), NNI ($428M net income, 0.3% margin), SOFI has outperformed on profitability metrics. Compare SOFI vs JSM →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $499M | +265.8% | $233M | $0.39 | 13.5% | 6.3% |
| 2023 | -$301M | +6.1% | -$301M | $-0.36 | -10.4% | -10.4% |
| 2022 | -$320M | +33.8% | -$319M | $-0.40 | -18.2% | -18.1% |
| 2021 | -$484M | -116.0% | -$481M | $-1.00 | -44.5% | -44.2% |
| 2020 | -$224M | +6.5% | -$329M | $-2.73 | -29.8% | -43.7% |
| 2019 | -$240M | +5.0% | -$240M | $-2.27 | -33.2% | -33.2% |
| 2018 | -$252M | - | -$253M | $-2.17 | -42.1% | -42.2% |
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Start ComparisonFrequently Asked Questions
Is SOFI growing earnings?
SOFI EPS of $0.50 reflects slowing growth at +2.1%, below the 5-year CAGR of N/A. TTM net income is $640M. Expansion rate has moderated.
What are SOFI's profit margins?
SoFi Technologies, Inc. net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are SOFI's earnings?
SOFI earnings data spans 2018-2024. The current earnings trend is +2.1% YoY. Historical data enables comparison across business cycles.