The historical rank and industry rank for SoFi Technologies's FCF Margin % or its related term are showing as below:
FRA:6B0'
s FCF Margin % Range Over the Past 10 Years
Min: -467.71 Med: -99.81 Max: 374.74
Current: -161.22
During the past 8 years, the highest FCF Margin % of SoFi Technologies was 374.74%. The lowest was -467.71%. And the median was -99.81%.
FRA:6B0's FCF Margin % is ranked worse than 88.14% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs FRA:6B0: -161.22
SoFi Technologies FCF Margin % Related Terms
SoFi Technologies FCF Margin % Historical Data
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The historical data trend for SoFi Technologies's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:6B0 vs SYF, AFRM, ALLY: FCF Margin % Comparison
For the Credit Services subindustry, SoFi Technologies's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SoFi Technologies FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SoFi Technologies (FRA:6B0) has a FCF Margin % of -216.63% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SoFi Technologies and its competitors. According to the industry distribution chart, SoFi Technologies ranks #468 out of 531 companies in the Credit Services industry, placing it in the top 88.1%.
Is SoFi Technologies' FCF Margin % too high?
SoFi Technologies' current FCF Margin % is -216.63%. Based on the distribution chart, SoFi Technologies ranks #468 out of 531 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SoFi Technologies has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' FCF Margin % compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #468 out of 531 companies for FCF Margin %. This places SoFi Technologies in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current FCF Margin % is -216.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (FRA:6B0) is currently considered Fairly Valued. The stock's GF Value™ is €14.08, compared to a current price of €15.30 — trading 8.7% above its estimated fair value. The current FCF Margin % is -216.63%. SoFi Technologies' overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For SoFi Technologies (FRA:6B0), the current FCF Margin % is -216.63% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SoFi Technologies (FRA:6B0) Overvalued in 2026?
Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued.
The current stock price of €15.30 is trading 8.7% above its estimated GF Value™ of €14.08.
GuruFocus considers SoFi Technologies to be Fairly Valued.
Key valuation signals for FRA:6B0:
FCF Margin %: -216.63%
GF Value™: €14.08 vs. price of €15.30 (8.7% above fair value)
No single metric tells the full story. See the FRA:6B0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
66GF Score
Get the complete analysis for FRA:6B0
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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