SoFi Technologies, Inc. (SOFI) EBITDA Margin: 15.93%
Is SoFi Technologies, Inc.’s EBITDA margin high or low?
SoFi Technologies, Inc.'s EBITDA margin of 15.93% is 275% above its 5-year average of -9.09%, near the high end of its 5-year range (-34.90%–15.93%).
The EBITDA margin for SoFi Technologies, Inc. (SOFI) is 15.93% as of Wednesday, June 10, 2026. It is above its 12-month average by 14.94% (13.86%).
SOFI EBITDA Margin Chart
SOFI Average EBITDA Margin Chart
SOFI Current vs Average EBITDA Margin Chart
SOFI EBITDA Margin Metrics
EBITDA MARGIN
15.93%
EBITDA MARGIN AVG TTM
13.86%
EBITDA MARGIN AVG 3Y
3.70%
EBITDA MARGIN AVG 5Y
-9.09%
EBITDA MARGIN AVG 10Y
-13.11%
EBITDA MARGIN AVG 15Y
-13.11%
EBITDA MARGIN AVG 20Y
-13.11%
CURRENT VS TTM AVG
+14.94%
CURRENT VS 3Y AVG
+330.83%
CURRENT VS 5Y AVG
+275.22%
CURRENT VS 10Y AVG
+221.50%
CURRENT VS 15Y AVG
+221.50%
CURRENT VS 20Y AVG
+221.50%
SOFI Competitors' EBITDA Margin
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| SoFi Technologies, Inc. (SOFI) | — | 15.93% | 13.86% | 3.70% | -9.09% |
| Brown & Brown, Inc. (BRO) | $20.70B | 34.17% | 35.42% | 35.42% | 34.21% |
| Loews Corporation (L) | $22.30B | 18.32% | 17.56% | 16.98% | 14.82% |
| Synchrony Financial (SYF) | $23.58B | 26.86% | 25.55% | 25.93% | 28.87% |
| Willis Towers Watson Public Limited Company (WTW) | $25.17B | 27.55% | 17.92% | 20.02% | 23.84% |
| Cincinnati Financial Corporation (CINF) | $25.81B | 25.34% | 26.08% | 17.18% | 21.83% |
| Global Payments Inc. (GPN) | $15.10B | 44.71% | 44.72% | 38.80% | 38.24% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.74B | 18.95% | 17.45% | 15.72% | 15.44% |
| PayPal Holdings, Inc. (PYPL) | $36.57B | 23.20% | 22.20% | 21.37% | 22.94% |
| Prudential Financial, Inc. (PRU) | $36.78B | 8.08% | 6.58% | 3.90% | 5.22% |
Margin Comparison
Gross Margin
75.1%
EBITDA Margin
15.9%
Operating Margin
11.0%
Net Margin
10.1%
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
- Removes effects of depreciation policies (D&A)
- Capital structure neutral (ignores interest)
- Tax neutral (ignores tax differences)
- Good proxy for operating cash generation
SoFi Technologies, Inc. EBITDA Margin Formula & Definition
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
SoFi Technologies, Inc. EBITDA Margin FAQ
- What is the EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The EBITDA margin for SOFI stock is 15.93%.
- Is SoFi Technologies, Inc.'s EBITDA margin high or low?
- SoFi Technologies, Inc.'s EBITDA margin of 15.93% is 275% above its 5-year average of -9.09%, near the high end of its 5-year range (-34.90%–15.93%).
- What is the TTM average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The TTM average EBITDA margin for SOFI stock is 13.86%.
- What is the 3Y average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The 3Y average EBITDA margin for SOFI stock is 3.70%.
- What is the 5Y average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The 5Y average EBITDA margin for SOFI stock is -9.09%.
- What is the 10Y average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The 10Y average EBITDA margin for SOFI stock is -13.11%.
- What is the 15Y average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The 15Y average EBITDA margin for SOFI stock is -13.11%.
- What is the 20Y average EBITDA margin for SoFi Technologies, Inc. (SOFI)?
- The 20Y average EBITDA margin for SOFI stock is -13.11%.
SoFi Technologies, Inc. EBITDA Margin History
| DATE | EBITDA MARGIN |
|---|---|
| 2025-12-31 | 15.93% |
| 2024-12-31 | 11.79% |
| 2023-12-31 | -3.44% |
| 2022-12-31 | -9.49% |
| 2021-12-31 | -34.90% |
| 2020-12-31 | -34.44% |
| 2019-12-31 | -31.02% |
| 2018-12-31 | -40.41% |
| 2017-12-31 | 7.98% |
Related Metrics
About SoFi Technologies, Inc.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Anthony J. Noto