As of Q3'25, SOFI's latest reported operating income stands at 158M USD, marking a substantial increase from previous quarters. The year-over-year growth rate for this period is 147%, highlighting a strong improvement in operational profitability. From Q1'23 to Q3'25, SOFI's operating income has shown a significant turnaround, moving from consistent losses—such as -267M USD in Q3'23—to positive and rapidly growing figures in 2024 and 2025. The YoY growth rates have been volatile, with notable surges, including a peak of 697% in Q2'25, and occasional declines, reflecting a dynamic recovery phase. Overall, the trend indicates a robust shift from negative to positive operational performance over the covered period.