SoFi Technologies, Inc. (SOFI) Earnings History
Profitable8 years of earnings data (2018–2025) · Positive TTM net income
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SoFi Technologies, Inc. (SOFI) Earnings Overview
As of July 8, 2026, SoFi Technologies, Inc. (SOFI) reported trailing twelve-month net income of $577M, reflecting +0.0% year-over-year growth. The company earned $0.42 per diluted share over the past four quarters, with a net profit margin of 10.1%.
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.
SoFi Technologies, Inc. maintains positive profitability with a gross margin of 75.1%, operating margin of 11.0%, and net margin of 10.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including LC ($136M net income, 10.2% margin), UPST ($49M net income, 5.0% margin), AFRM ($382M net income, 1.6% margin), SOFI has room to improve margins relative to the peer group. Compare SOFI vs LC →
SOFI Earnings vs Peers
Earnings metrics vs comparable public companies
SOFI Historical Earnings Data (2018–2025)
8 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $481M | -3.5% | $526M | $0.39 | 10.1% | 11.0% |
| 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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SOFI — Frequently Asked Questions
Quick answers to the most common questions about buying SOFI stock.
What is SOFI earnings per share (EPS)?
SOFI trailing twelve-month (TTM) diluted EPS is $0.42, reflecting +0.0% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2018 to 2025 is available in the table on this page.
What is SoFi Technologies, Inc.'s net income?
SoFi Technologies, Inc. (SOFI) trailing twelve-month net income is $577M as of 2025. Earnings declined +0.0% year-over-year. SoFi Technologies, Inc. has been profitable for 2 consecutive years.
Is SOFI profitable?
Yes, SOFI is profitable with a TTM net income of $577M and a net profit margin of +10.1%. SoFi Technologies, Inc. has generated profits for 2 consecutive years.
What is SOFI's earnings growth rate?
SOFI compound annual EPS growth rates (CAGR): 1-Year: +0.0%, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2018 to 2025.
What are SOFI's profit margins?
SoFi Technologies, Inc. net profit margin is +10.1%, operating margin is +11.0%, and gross margin is +75.1%. Margins are within a typical range for the sector. Return on Equity is +5.7%.
Is SOFI growing earnings?
SOFI TTM EPS: $0.42. Net income: $577M. YoY earnings change: +0.0%.
What was SOFI's best earnings year?
SoFi Technologies, Inc.'s highest annual net income on record is $499M, achieved in fiscal year 2024. Earnings history on this page spans 2018 to 2025 and includes all annual and quarterly figures.
What were SOFI's earnings last quarter?
SOFI's most recent reported quarter was Q1 2026. Net income was $167M with diluted EPS of $0.12. For a full breakdown of all quarters, see the quarterly earnings table on this page.