In the latest period of Q4'25, SOFI's Gross Margin stood at 84.2%, reflecting a stable and high profitability level from core operations, while the Operating Margin reached 18.6%, indicating improved efficiency in managing operating expenses. The Net Profit Margin was 16.9%, demonstrating strong bottom-line performance after accounting for all costs and taxes. This marks a positive close to the fiscal year, with all metrics showing year-over-year gains from Q4'24. Over the period from Q1'23 to Q4'25, the profit margins exhibit a clear upward trajectory following an initial volatile phase, transitioning from negative values in early 2023—such as a -49.6% Net Profit Margin in Q3'23—to consistent profitability by Q4'23. Gross Margin remained robust and relatively stable, fluctuating between 81.1% and 84.5% with minor dips in Q2'24, while Operating and Net Profit Margins showed significant improvement, peaking at 45.3% for Net in Q4'24 before settling into steady growth, highlighting SOFI's operational enhancements and path to sustained profitability.