As of Q3'25, SOFI's latest gross margin stands at 82.3%, operating margin at 16.4%, and net profit margin at 14.5%. These figures reflect continued profitability improvements, with all three margins maintaining positive territory in the most recent quarter. From Q1'23 to Q3'25, SOFI's gross margin has remained robust, fluctuating within a narrow range between 81.1% and 84.5%. Operating and net profit margins experienced significant volatility, notably a sharp dip into negative territory in Q3'23 (operating margin: -49.7%, net margin: -49.6%), followed by a strong recovery to positive levels by Q4'23. Since then, both margins have shown a steady upward trend, indicating improved operational efficiency and profitability over the observed period.