SoFi Technologies, Inc. (SOFI) Operating Margin: 11.03%
Is SoFi Technologies, Inc.’s operating margin high or low?
SoFi Technologies, Inc.'s operating margin of 11.03% is 167% above its 5-year average of -16.52%, near the high end of its 5-year range (-44.24%–11.03%).
The operating margin for SoFi Technologies, Inc. (SOFI) is 11.03% as of Wednesday, June 10, 2026. It is above its 12-month average by 27.29% (8.66%).
SOFI Operating Margin Chart
SOFI Average Operating Margin Chart
SOFI Current vs Average Operating Margin Chart
SOFI Operating Margin Metrics
OPERATING MARGIN
11.03%
OPERATING MARGIN AVG TTM
8.66%
OPERATING MARGIN AVG 3Y
-2.78%
OPERATING MARGIN AVG 5Y
-16.52%
OPERATING MARGIN AVG 10Y
-18.62%
OPERATING MARGIN AVG 15Y
-18.62%
OPERATING MARGIN AVG 20Y
-18.62%
CURRENT VS TTM AVG
+27.29%
CURRENT VS 3Y AVG
+496.05%
CURRENT VS 5Y AVG
+166.77%
CURRENT VS 10Y AVG
+159.23%
CURRENT VS 15Y AVG
+159.23%
CURRENT VS 20Y AVG
+159.23%
SOFI Competitors' Operating Margin
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| SoFi Technologies, Inc. (SOFI) | — | 11.03% | 8.66% | -2.78% | -16.52% |
| Brown & Brown, Inc. (BRO) | $20.70B | 26.79% | 28.76% | 28.02% | 27.63% |
| Loews Corporation (L) | $22.30B | 12.62% | 11.71% | 11.02% | 8.19% |
| Willis Towers Watson Public Limited Company (WTW) | $25.17B | 22.73% | 14.66% | 14.25% | 15.24% |
| Cincinnati Financial Corporation (CINF) | $25.81B | 26.68% | 24.40% | 15.24% | 19.88% |
| Global Payments Inc. (GPN) | $15.10B | 19.10% | 20.86% | 21.67% | 20.60% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.74B | 17.51% | 15.71% | 13.62% | 13.05% |
| PayPal Holdings, Inc. (PYPL) | $36.57B | 18.28% | 17.52% | 16.46% | 16.33% |
| Prudential Financial, Inc. (PRU) | $36.78B | 7.10% | 6.21% | 3.69% | 4.90% |
| Main Street Capital Corporation (MAIN) | $4.78B | 80.71% | 77.53% | 73.88% | 64.77% |
Operating Efficiency
Gross Margin
75.1%
Operating Margin
11.0%
SoFi Technologies, Inc. Operating Margin Formula & Definition
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
SoFi Technologies, Inc. Operating Margin FAQ
- What is the operating margin for SoFi Technologies, Inc. (SOFI)?
- The operating margin for SOFI stock is 11.03%.
- Is SoFi Technologies, Inc.'s operating margin high or low?
- SoFi Technologies, Inc.'s operating margin of 11.03% is 167% above its 5-year average of -16.52%, near the high end of its 5-year range (-44.24%–11.03%).
- What is the TTM average operating margin for SoFi Technologies, Inc. (SOFI)?
- The TTM average operating margin for SOFI stock is 8.66%.
- What is the 3Y average operating margin for SoFi Technologies, Inc. (SOFI)?
- The 3Y average operating margin for SOFI stock is -2.78%.
- What is the 5Y average operating margin for SoFi Technologies, Inc. (SOFI)?
- The 5Y average operating margin for SOFI stock is -16.52%.
- What is the 10Y average operating margin for SoFi Technologies, Inc. (SOFI)?
- The 10Y average operating margin for SOFI stock is -18.62%.
- What is the 15Y average operating margin for SoFi Technologies, Inc. (SOFI)?
- The 15Y average operating margin for SOFI stock is -18.62%.
- What is the 20Y average operating margin for SoFi Technologies, Inc. (SOFI)?
- The 20Y average operating margin for SOFI stock is -18.62%.
SoFi Technologies, Inc. Operating Margin History
| DATE | OPERATING MARGIN |
|---|---|
| 2025-12-31 | 11.03% |
| 2024-12-31 | 6.30% |
| 2023-12-31 | -10.39% |
| 2022-12-31 | -18.08% |
| 2021-12-31 | -44.24% |
| 2020-12-31 | -43.74% |
| 2019-12-31 | -33.23% |
| 2018-12-31 | -42.23% |
| 2017-12-31 | 6.99% |
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