SoFi Technologies, Inc. (SOFI) Gross Margin: 75.12%
Is SoFi Technologies, Inc.’s gross margin high or low?
SoFi Technologies, Inc.'s gross margin of 75.12% is in line with its 5-year average of 77.83%, near the low end of its 5-year range (69.68%–89.85%).
The gross margin for SoFi Technologies, Inc. (SOFI) is 75.12% as of Wednesday, June 10, 2026. It is above its 12-month average by 3.76% (72.40%).
SOFI Gross Margin Chart
SOFI Average Gross Margin Chart
SOFI Current vs Average Gross Margin Chart
SOFI Gross Margin Metrics
GROSS MARGIN
75.12%
GROSS MARGIN AVG TTM
72.40%
GROSS MARGIN AVG 3Y
75.46%
GROSS MARGIN AVG 5Y
77.83%
GROSS MARGIN AVG 10Y
70.52%
GROSS MARGIN AVG 15Y
70.52%
GROSS MARGIN AVG 20Y
70.52%
CURRENT VS TTM AVG
+3.76%
CURRENT VS 3Y AVG
-0.45%
CURRENT VS 5Y AVG
-3.48%
CURRENT VS 10Y AVG
+6.52%
CURRENT VS 15Y AVG
+6.52%
CURRENT VS 20Y AVG
+6.52%
SOFI Competitors' Gross Margin
| NAME | MARKET CAP | GROSS MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| SoFi Technologies, Inc. (SOFI) | — | 75.12% | 72.40% | 75.46% | 77.83% |
| Brown & Brown, Inc. (BRO) | $20.70B | 59.38% | 68.27% | 58.37% | 54.11% |
| Loews Corporation (L) | $22.30B | 46.05% | 44.30% | 43.77% | 43.78% |
| Synchrony Financial (SYF) | $23.58B | 61.08% | 48.14% | 50.84% | 55.56% |
| Willis Towers Watson Public Limited Company (WTW) | $25.17B | 38.16% | 43.33% | 43.29% | 42.49% |
| Cincinnati Financial Corporation (CINF) | $25.81B | 50.29% | 49.76% | 42.59% | 45.82% |
| Global Payments Inc. (GPN) | $15.10B | 72.57% | 67.68% | 63.66% | 60.20% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.74B | 47.02% | 30.56% | 20.88% | 17.73% |
| PayPal Holdings, Inc. (PYPL) | $36.57B | 46.62% | 46.36% | 47.20% | 49.81% |
| Prudential Financial, Inc. (PRU) | $36.78B | 32.90% | 33.41% | 30.01% | 31.08% |
Gross Margin Analysis
Gross Margin
75.1%
(Revenue - COGS) / Revenue
SoFi Technologies, Inc. Gross Margin Formula & Definition
Gross Margin = Gross Profit / Revenue
Gross margin is the percentage of revenue remaining after the cost of goods sold, reflecting core product profitability.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
SoFi Technologies, Inc. Gross Margin FAQ
- What is the gross margin for SoFi Technologies, Inc. (SOFI)?
- The gross margin for SOFI stock is 75.12%.
- Is SoFi Technologies, Inc.'s gross margin high or low?
- SoFi Technologies, Inc.'s gross margin of 75.12% is in line with its 5-year average of 77.83%, near the low end of its 5-year range (69.68%–89.85%).
- What is the TTM average gross margin for SoFi Technologies, Inc. (SOFI)?
- The TTM average gross margin for SOFI stock is 72.40%.
- What is the 3Y average gross margin for SoFi Technologies, Inc. (SOFI)?
- The 3Y average gross margin for SOFI stock is 75.46%.
- What is the 5Y average gross margin for SoFi Technologies, Inc. (SOFI)?
- The 5Y average gross margin for SOFI stock is 77.83%.
- What is the 10Y average gross margin for SoFi Technologies, Inc. (SOFI)?
- The 10Y average gross margin for SOFI stock is 70.52%.
- What is the 15Y average gross margin for SoFi Technologies, Inc. (SOFI)?
- The 15Y average gross margin for SOFI stock is 70.52%.
- What is the 20Y average gross margin for SoFi Technologies, Inc. (SOFI)?
- The 20Y average gross margin for SOFI stock is 70.52%.
SoFi Technologies, Inc. Gross Margin History
| DATE | GROSS MARGIN |
|---|---|
| 2025-12-31 | 75.12% |
| 2024-12-31 | 69.68% |
| 2023-12-31 | 70.86% |
| 2022-12-31 | 86.18% |
| 2021-12-31 | 89.85% |
| 2020-12-31 | 75.29% |
| 2019-12-31 | 61.39% |
| 2018-12-31 | 44.90% |
| 2017-12-31 | 61.45% |
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