Last 25 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
SoFi Technologies, Inc.'s quarterly P/E stands at 50.3x, up 292.3% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has compressed 20.1% YoY to 32.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 45.92 | 50.35 | 60.05 | 55.18 | 48.46 | 12.83 | 37.36 | 220.33 | 84.49 | 67.96 | — | — | — |
| — | +292.3% | +60.7% | -75.0% | -42.6% | -81.1% | — | — | — | — | — | — | — | |
| P/S Ratio | 4.79 | 6.60 | 6.72 | 4.77 | 3.32 | 4.40 | 2.20 | 2.05 | 2.24 | 2.99 | 2.51 | 2.88 | 2.32 |
| — | +50.1% | +205.6% | +133.4% | +48.3% | +47.1% | -12.4% | -29.1% | -3.4% | +56.1% | +4.2% | -6.3% | -59.3% | |
| P/B Ratio | 2.14 | 3.36 | 3.88 | 3.14 | 2.06 | 2.72 | 1.42 | 1.19 | 1.24 | 1.84 | 1.41 | 1.40 | 1.02 |
| — | +23.7% | +173.9% | +163.5% | +66.7% | +47.3% | +0.3% | -14.8% | +21.9% | +139.6% | +73.9% | +60.8% | -30.3% | |
| P/FCF | — | — | 871.98 | — | — | — | — | — | 2.70 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 25.96 | 32.36 | 40.51 | 34.74 | 27.47 | 40.52 | 20.77 | 30.46 | 12.11 | 29.92 | — | 3559.99 | 253.96 |
| — | -20.1% | +95.0% | +14.1% | +126.8% | +35.4% | — | -99.1% | -95.2% | -95.2% | — | — | — | |
| EV / EBIT | 37.51 | 43.34 | 56.66 | 52.31 | 46.51 | 76.73 | 37.62 | 128.98 | 18.35 | 61.18 | — | — | — |
| — | -43.5% | +50.6% | -59.4% | +153.4% | +25.4% | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SoFi Technologies, Inc.'s operating margin was 13.9% in Q4 2025, up 2.2 pp QoQ and up 7.9 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 10.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.1% | 76.4% | 75.1% | 74.8% | 73.9% | 72.2% | 69.7% | 68.2% | 68.2% | 68.7% | 68.1% | 71.7% | 76.3% |
| — | +5.8% | +7.7% | +9.7% | +8.4% | +5.0% | +2.4% | -4.9% | -10.7% | -13.6% | -22.4% | -20.8% | -14.9% | |
| Operating Margin | 11.0% | 13.9% | 11.7% | 9.9% | 7.7% | 5.9% | 6.5% | 1.8% | 11.1% | 6.0% | -35.3% | -7.3% | -5.9% |
| — | +133.5% | +80.9% | +457.3% | -30.7% | -0.5% | +118.4% | +124.5% | +287.0% | +185.2% | -120.0% | +70.4% | +80.8% | |
| Net Margin | 10.1% | 13.0% | 11.0% | 8.6% | 6.9% | 33.0% | 6.2% | 2.0% | 10.4% | 5.6% | -35.3% | -7.0% | -5.7% |
| — | -60.6% | +78.5% | +325.8% | -33.9% | +489.6% | +117.5% | +128.8% | +283.1% | +177.7% | -120.5% | +71.5% | +81.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 1.8% | 1.8% | 1.4% | 1.1% | 5.3% | 1.0% | 0.3% | 1.5% | 0.9% | -4.9% | -0.9% | -0.6% |
| — | -65.7% | +76.4% | +397.3% | -28.4% | +499.7% | +120.7% | +133.8% | +342.3% | +220.9% | -261.2% | +50.8% | +71.2% | |
| ROA | 1.1% | 0.4% | 0.3% | 0.2% | 0.2% | 0.9% | 0.2% | 0.1% | 0.3% | 0.2% | -1.0% | -0.2% | -0.2% |
| — | -61.6% | +77.9% | +353.5% | -33.0% | +470.2% | +118.2% | +127.5% | +272.8% | +171.9% | -91.3% | +74.2% | +83.9% | |
| ROIC | 3.6% | 1.2% | 1.0% | 0.8% | 0.6% | 0.5% | 0.5% | 0.1% | 0.7% | 0.3% | -1.7% | -0.3% | -0.2% |
| — | +147.7% | +91.6% | +544.8% | -13.1% | +38.7% | +130.9% | +140.9% | +399.2% | +224.1% | -194.5% | +56.9% | +72.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
SoFi Technologies, Inc.'s Debt/EBITDA ratio is 7.3x, down from 13.5x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.32 | 0.59 | 0.47 | 0.49 | 0.54 | 0.54 | 0.49 | 0.97 | 1.18 | 1.19 | 1.13 |
| — | -64.8% | -40.4% | +8.2% | -3.7% | -49.1% | -54.7% | -54.1% | -56.6% | -5.3% | +37.6% | +66.9% | +21.6% | |
| Debt / EBITDA | 2.39 | 7.32 | 13.51 | 23.88 | 23.25 | 28.24 | 28.38 | 49.38 | 21.02 | 51.26 | — | 8253.29 | 675.44 |
| — | -74.1% | -52.4% | -51.6% | +10.6% | -44.9% | — | -99.4% | -96.9% | -96.9% | — | — | — | |
| Current Ratio | — | — | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 |
| — | — | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | |
| Quick Ratio | — | — | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 |
| — | — | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | |
| Interest Coverage | 0.45 | 0.60 | 0.48 | 0.41 | 0.30 | 0.22 | 0.22 | 0.06 | 0.36 | 0.20 | -1.22 | -0.28 | -0.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 25 years · Updated daily
Deep dive into SOFI consensus models and risk factors.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SOFI stock.
SoFi Technologies, Inc.'s current P/E is 45.9x. The average P/E over the last 4 quarters is 53.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SoFi Technologies, Inc.'s current operating margin is 11.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking SoFi Technologies, Inc.'s business trajectory between earnings reports.