The historical rank and industry rank for SoFi Technologies's Net Margin % or its related term are showing as below:
FRA:6B0'
s Net Margin % Range Over the Past 10 Years
Min: -93.69 Med: -29.99 Max: 19.09
Current: 14.64
FRA:6B0's Net Margin % is ranked better than 50.19% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:6B0: 14.64
SoFi Technologies (FRA:6B0) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SoFi Technologies Net Margin % Related Terms
SoFi Technologies Net Margin % Historical Data
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The historical data trend for SoFi Technologies's Net 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: Net Margin % Comparison
For the Credit Services subindustry, SoFi Technologies's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's Net Margin % distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's Net 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 Net Margin % of 15.15% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SoFi Technologies and its competitors. According to the industry distribution chart, SoFi Technologies ranks #266 out of 534 companies in the Credit Services industry, placing it in the top 49.8%.
Is SoFi Technologies' Net Margin % too high?
SoFi Technologies' current Net Margin % is 15.15%. The Credit Services industry median Net Margin % is 14.52. SoFi Technologies' value of 15.15% is 4.3% above this industry median. Based on the distribution chart, SoFi Technologies ranks #266 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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' Net Margin % compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #266 out of 534 companies for Net Margin %. This puts SoFi Technologies in the upper half of its industry. The industry median Net Margin % is 14.52. SoFi Technologies' value of 15.15% is 4.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SoFi Technologies's current Net Margin % of 15.15% is 4.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current Net Margin % is 15.15%. 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 Net Margin % is 15.15% and 4.3% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SoFi Technologies (FRA:6B0), the current Net Margin % is 15.15% 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:
Net Margin %: 15.15%
GF Value™: €14.08 vs. price of €15.30 (8.7% above fair value)
Industry Position: 4.3% above the Credit Services median (#266 of 534)
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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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