7 years of historical data (2018–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
SoFi Technologies, Inc. trades at 45.5x earnings, 15% above its 5-year average of 39.5x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a premium of 231%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $21.4B | $17.0B | $9.4B | $4.2B | $8.3B | $1.4B | — | — |
| Enterprise Value | $22.1B | $17.6B | $11.7B | $8.4B | $12.0B | $5.6B | — | — |
| P/E Ratio → | 45.54 | 39.49 | — | — | — | — | — | — |
| P/S Ratio | 5.78 | 4.58 | 3.25 | 2.36 | 7.66 | 1.92 | — | — |
| P/B Ratio | 3.00 | 2.60 | 1.69 | 0.75 | 1.77 | 0.47 | — | — |
| P/FCF | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
SoFi Technologies, Inc.'s enterprise value stands at 50.5x EBITDA, 25% above its 5-year average of 40.4x. The Financial Services sector median is 11.1x, placing the stock at a 355% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.76 | 4.03 | 4.75 | 11.06 | 7.49 | — | — |
| EV / EBITDA | 50.50 | 40.35 | — | — | — | — | — | — |
| EV / EBIT | 94.53 | 75.54 | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
SoFi Technologies, Inc. earns an operating margin of 6.3%, below the Financial Services sector average of 21.9%. Operating margins have expanded from -18.1% to 6.3% over the past 3 years, signaling improving operational efficiency. ROE of 8.3% is modest, trailing the sector median of 9.1%. ROIC of 1.7% represents below-average returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.7% | 69.7% | 70.9% | 86.2% | 89.9% | 75.3% | 61.4% | 44.9% |
| Operating Margin | 6.3% | 6.3% | -10.4% | -18.1% | -44.2% | -43.7% | -33.2% | -42.2% |
| Net Profit Margin | 13.5% | 13.5% | -10.4% | -18.2% | -44.5% | -29.8% | -33.2% | -42.1% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| ROE | 8.3% | 8.3% | -5.4% | -6.3% | -12.5% | -8.7% | -12.2% | -13.9% |
| ROA | 1.5% | 1.5% | -1.2% | -2.3% | -5.5% | -2.8% | -3.0% | -3.0% |
| ROIC | 1.7% | 1.7% | -2.0% | -2.4% | -4.2% | -3.2% | -2.3% | -2.2% |
| ROCE | 2.3% | 2.3% | -2.8% | -3.3% | -6.2% | -4.7% | -3.1% | -3.0% |
Solvency and debt-coverage ratios — lower is generally safer
SoFi Technologies, Inc. carries a Debt/EBITDA ratio of 7.3x, which is highly leveraged (79% above the sector average of 4.1x). Net debt stands at $666M ($3.2B total debt minus $2.5B cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.49 | 0.97 | 1.02 | 0.89 | 1.66 | 2.42 | 3.65 |
| Debt / EBITDA | 7.33 | 7.33 | — | — | — | — | — | — |
| Net Debt / Equity | — | 0.10 | 0.41 | 0.76 | 0.79 | 1.37 | 2.18 | 3.35 |
| Net Debt / EBITDA | 1.52 | 1.52 | — | — | — | — | — | — |
| Debt / FCF | — | — | — | — | — | — | — | 6.05 |
| Interest Coverage | 0.21 | 0.21 | -0.38 | -1.68 | -4.68 | -1.77 | -0.86 | -0.77 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.19x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.5B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.19 | 0.19 | 0.20 | 0.20 | 1.11 | 0.64 | 1.41 | 44.32 |
| Quick Ratio | 0.19 | 0.19 | 0.20 | 0.20 | 1.11 | 0.64 | 1.41 | 44.32 |
| Cash Ratio | 0.09 | 0.09 | 0.16 | 0.18 | 0.66 | 0.63 | 1.36 | 73.21 |
| Asset Turnover | — | 0.10 | 0.10 | 0.09 | 0.12 | 0.09 | 0.10 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
SoFi Technologies, Inc. returns 0.1% to shareholders annually primarily through dividends. The earnings yield of 2.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.1% | 0.1% | 0.4% | 1.0% | 0.5% | 2.8% | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.2% | 2.5% | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 3.4% | 0.0% | — | — |
| Total Shareholder Yield | 0.1% | 0.1% | 0.4% | 1.0% | 3.9% | 2.8% | — | — |
| Shares Outstanding | — | $1.1B | $945M | $901M | $527M | $116M | $116M | $116M |
Compare SOFI with 4 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| SOFIYou | $21B | 45.5 | 50.5 | — | 69.7% | 6.3% | 8.3% | 1.7% | 7.3 |
| JSM | $5B | 16.1 | 21.3 | 11.6 | 91.7% | 73.9% | 4.9% | 4.1% | 19.8 |
| SLM | $4B | 7.0 | 6.7 | — | 48.2% | 26.7% | 30.1% | 7.6% | 7.9 |
| NNI | $1B | — | -1.7 | — | — | — | 10.9% | — | — |
| NAVI | $841M | 7.4 | 280.4 | 1.8 | 20.0% | 4.1% | 4.9% | 0.2% | 279.7 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 7 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how SOFI stacks up against sector leader Navient Corporation SR NT 6% 121543.
Start ComparisonSoFi Technologies, Inc.'s current P/E ratio is 45.5x. The historical average is 39.5x. This places it at the 100th percentile of its historical range.
SoFi Technologies, Inc.'s current EV/EBITDA is 50.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 40.4x.
SoFi Technologies, Inc.'s return on equity (ROE) is 8.3%. The historical average is -7.2%.
Based on historical data, SoFi Technologies, Inc. is trading at a P/E of 45.5x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
SoFi Technologies, Inc.'s current dividend yield is 0.08%.
SoFi Technologies, Inc. has 69.7% gross margin and 6.3% operating margin.
SoFi Technologies, Inc.'s Debt/EBITDA ratio is 7.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.