SoFi Technologies, Inc. (SOFI) Financial Ratios
8 years of historical data (2018–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
25.96
↓-35% vs avg
5yr avg: 39.69
30Y Low39.0·High40.4
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
↑
2.14
+8% vs avg
5yr avg: 1.99
30Y Low0.5·High3.1
ROE
↑
5.7%
↓+376% vs avg
5yr avg: -2.1%
30Y Low-14%·High8%
Debt/EBITDA
↓
2.39
↓-51% vs avg
5yr avg: 4.86
30Y Low2.4·High7.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SOFI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
SoFi Technologies, Inc. trades at 45.9x earnings, 14% below its 5-year average of 53.3x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 238%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $22.8B | $32.8B | $17.0B | $9.4B | $4.2B | $8.3B | $1.4B | — | — |
| Enterprise Value | $19.7B | $29.7B | $17.6B | $11.7B | $8.4B | $12.0B | $5.6B | — | — |
| P/E Ratio → | 45.92 | 67.13 | 39.49 | — | — | — | — | — | — |
| P/S Ratio | 4.79 | 6.87 | 4.58 | 3.25 | 2.36 | 7.66 | 1.92 | — | — |
| P/B Ratio | 2.14 | 3.12 | 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
SOFI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
SoFi Technologies, Inc.'s enterprise value stands at 26.0x EBITDA, 35% below its 5-year average of 39.7x. The Financial Services sector median is 11.4x, placing the stock at a 128% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 6.22 | 4.76 | 4.03 | 4.75 | 11.06 | 7.49 | — | — |
| EV / EBITDA | 25.96 | 39.02 | 40.35 | — | — | — | — | — | — |
| EV / EBIT | 37.51 | 56.40 | 75.54 | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — |
SOFI Profitability
Margins and return-on-capital ratios measuring operating efficiency
SoFi Technologies, Inc. earns an operating margin of 11.0%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -10.4% to 11.0% over the past 3 years, signaling improving operational efficiency. ROE of 5.7% is modest, trailing the sector median of 9.0%. ROIC of 3.6% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.1% | 75.1% | 69.7% | 70.9% | 86.2% | 89.9% | 75.3% | 61.4% | 44.9% |
| Operating Margin | 11.0% | 11.0% | 6.3% | -10.4% | -18.1% | -44.2% | -43.7% | -33.2% | -42.2% |
| Net Profit Margin | 10.1% | 10.1% | 13.5% | -10.4% | -18.2% | -44.5% | -29.8% | -33.2% | -42.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 5.7% | 8.3% | -5.4% | -6.3% | -12.5% | -8.7% | -12.2% | -13.9% |
| ROA | 1.1% | 1.1% | 1.5% | -1.2% | -2.3% | -5.5% | -2.8% | -3.0% | -3.0% |
| ROIC | 3.6% | 3.6% | 1.7% | -2.0% | -2.4% | -4.2% | -3.2% | -2.3% | -2.2% |
| ROCE | 1.2% | 1.2% | 2.3% | -2.8% | -3.3% | -6.2% | -4.7% | -3.1% | -3.0% |
SOFI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
SoFi Technologies, Inc. carries a Debt/EBITDA ratio of 2.4x, which is manageable (44% below the sector average of 4.3x). The company holds a net cash position — cash of $4.9B exceeds total debt of $1.8B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.49 | 0.97 | 1.02 | 0.89 | 1.66 | 2.42 | 3.65 |
| Debt / EBITDA | 2.39 | 2.39 | 7.33 | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.30 | 0.10 | 0.41 | 0.76 | 0.79 | 1.37 | 2.18 | 3.35 |
| Net Debt / EBITDA | -4.10 | -4.10 | 1.52 | — | — | — | — | — | — |
| Debt / FCF | — | — | — | — | — | — | — | — | 6.05 |
| Interest Coverage | 0.45 | 0.45 | 0.21 | -0.38 | -1.68 | -4.68 | -1.77 | -0.86 | -0.77 |
Net cash position: cash ($4.9B) exceeds total debt ($1.8B)
SOFI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 0.19 | 0.20 | 0.20 | 1.11 | 0.64 | 1.41 | 44.32 |
| Quick Ratio | — | — | 0.19 | 0.20 | 0.20 | 1.11 | 0.64 | 1.41 | 44.32 |
| Cash Ratio | — | — | 0.09 | 0.16 | 0.18 | 0.66 | 0.63 | 1.36 | 73.21 |
| Asset Turnover | — | 0.09 | 0.10 | 0.10 | 0.09 | 0.12 | 0.09 | 0.10 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — |
SOFI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
SoFi Technologies, Inc. returns 0.3% to shareholders annually primarily through share buybacks. 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.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.2% | 1.5% | 2.5% | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.3% | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.3% | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $1.3B | $1.1B | $945M | $901M | $527M | $116M | $116M | $116M |
Peer Comparison
Compare SOFI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SOFIYou | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 LC | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 AFRM | $25B | 492.8 | 225.8 | 40.9 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 DAVE | $4B | 23.2 | 87.7 | 14.6 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 OPFI | $727M | 8.5 | 5.1 | 1.9 | 95.1% | 32.4% | 9.7% | 26.4% | 1.7 |
 MOGO | $22M | -2.3 | 22.8 | — | 65.6% | -5.2% | -15.6% | -1.7% | 18.2 |
 SLM | $5B | 6.7 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 TREE | $541M | 3.6 | 8.6 | 8.9 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 HOOD | $97B | 52.8 | 49.8 | 60.0 | 83.3% | 46.8% | 22.0% | 7.9% | 7.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 8 years · Updated daily
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SOFI — Frequently Asked Questions
Quick answers to the most common questions about buying SOFI stock.
What is SoFi Technologies, Inc.'s P/E ratio?
SoFi Technologies, Inc.'s current P/E ratio is 45.9x. The historical average is 53.3x. This places it at the 50th percentile of its historical range.
What is SoFi Technologies, Inc.'s EV/EBITDA?
SoFi Technologies, Inc.'s current EV/EBITDA is 26.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 39.7x.
What is SoFi Technologies, Inc.'s ROE?
SoFi Technologies, Inc.'s return on equity (ROE) is 5.7%. The historical average is -5.6%.
Is SOFI stock overvalued?
Based on historical data, SoFi Technologies, Inc. is trading at a P/E of 45.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are SoFi Technologies, Inc.'s profit margins?
SoFi Technologies, Inc. has 75.1% gross margin and 11.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does SoFi Technologies, Inc. have?
SoFi Technologies, Inc.'s Debt/EBITDA ratio is 2.4x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.