Last 24 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 60.0x, up 60.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 95.0% YoY to 40.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 45.54 | 60.05 | 55.18 | 48.46 | 12.83 | 37.36 | 220.33 | 84.49 | 67.96 | — | — | — | — |
| — | +60.7% | -75.0% | -42.6% | -81.1% | — | — | — | — | — | — | — | — | |
| P/S Ratio | 5.78 | 6.72 | 4.77 | 3.32 | 4.40 | 2.20 | 2.05 | 2.24 | 2.99 | 2.51 | 2.88 | 2.32 | 1.91 |
| — | +205.6% | +133.4% | +48.3% | +47.1% | -12.4% | -29.1% | -3.4% | +56.1% | +4.2% | -6.3% | -59.3% | -81.9% | |
| P/B Ratio | 3.00 | 3.88 | 3.14 | 2.06 | 2.72 | 1.42 | 1.19 | 1.24 | 1.84 | 1.41 | 1.40 | 1.02 | 0.77 |
| — | +173.9% | +163.5% | +66.7% | +47.3% | +0.3% | -14.8% | +21.9% | +139.6% | +73.9% | +60.8% | -30.3% | -71.9% | |
| P/FCF | — | 871.98 | — | — | — | — | — | 2.70 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 50.50 | 40.51 | 34.74 | 27.47 | 40.52 | 20.77 | 30.46 | 12.11 | 29.92 | — | 3559.99 | 253.96 | 621.86 |
| — | +95.0% | +14.1% | +126.8% | +35.4% | — | -99.1% | -95.2% | -95.2% | — | — | — | — | |
| EV / EBIT | 94.53 | 18.50 | 52.31 | 46.51 | 76.73 | 37.62 | 128.98 | 18.35 | 61.18 | — | — | — | — |
| — | -50.8% | -59.4% | +153.4% | +25.4% | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SoFi Technologies, Inc.'s operating margin was 11.7% in Q3 2025, up 1.8 pp QoQ and up 5.2 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 8.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 7.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.7% | 75.1% | 74.8% | 73.9% | 72.2% | 69.7% | 68.2% | 68.2% | 68.7% | 68.1% | 71.7% | 76.3% | 79.5% |
| — | +7.7% | +9.7% | +8.4% | +5.0% | +2.4% | -4.9% | -10.7% | -13.6% | -22.4% | -20.8% | -14.9% | -14.0% | |
| Operating Margin | 6.3% | 11.7% | 9.9% | 7.7% | 5.9% | 6.5% | 1.8% | 11.1% | 6.0% | -35.3% | -7.3% | -5.9% | -7.0% |
| — | +80.9% | +457.3% | -30.7% | -0.5% | +118.4% | +124.5% | +287.0% | +185.2% | -120.0% | +70.4% | +80.8% | +80.5% | |
| Net Margin | 13.5% | 11.0% | 8.6% | 6.9% | 33.0% | 6.2% | 2.0% | 10.4% | 5.6% | -35.3% | -7.0% | -5.7% | -7.2% |
| — | +78.5% | +325.8% | -33.9% | +489.6% | +117.5% | +128.8% | +283.1% | +177.7% | -120.5% | +71.5% | +81.8% | +80.3% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.3% | 1.8% | 1.4% | 1.1% | 5.3% | 1.0% | 0.3% | 1.5% | 0.9% | -4.9% | -0.9% | -0.6% | -0.7% |
| — | +76.4% | +397.3% | -28.4% | +499.7% | +120.7% | +133.8% | +342.3% | +220.9% | -261.2% | +50.8% | +71.2% | +69.7% | |
| ROA | 1.5% | 0.3% | 0.2% | 0.2% | 0.9% | 0.2% | 0.1% | 0.3% | 0.2% | -1.0% | -0.2% | -0.2% | -0.2% |
| — | +77.9% | +353.5% | -33.0% | +470.2% | +118.2% | +127.5% | +272.8% | +171.9% | -91.3% | +74.2% | +83.9% | +82.2% | |
| ROIC | 1.7% | 1.0% | 0.8% | 0.6% | 0.5% | 0.5% | 0.1% | 0.7% | 0.3% | -1.7% | -0.3% | -0.2% | -0.3% |
| — | +91.6% | +544.8% | -13.1% | +38.7% | +130.9% | +140.9% | +399.2% | +224.1% | -194.5% | +56.9% | +72.0% | +72.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
SoFi Technologies, Inc.'s Debt/EBITDA ratio is 13.5x, down from 23.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 9.6% YoY to 0.17x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.32 | 0.59 | 0.47 | 0.49 | 0.54 | 0.54 | 0.49 | 0.97 | 1.18 | 1.19 | 1.13 | 1.02 |
| — | -40.4% | +8.2% | -3.7% | -49.1% | -54.7% | -54.1% | -56.6% | -5.3% | +37.6% | +66.9% | +21.6% | +14.1% | |
| Debt / EBITDA | 7.33 | 13.51 | 23.88 | 23.25 | 28.24 | 28.38 | 49.38 | 21.02 | 51.26 | — | 8253.29 | 675.44 | 1655.22 |
| — | -52.4% | -51.6% | +10.6% | -44.9% | — | -99.4% | -96.9% | -96.9% | — | — | — | — | |
| Current Ratio | 0.19 | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 | 0.20 |
| — | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | -81.6% | |
| Quick Ratio | 0.19 | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 | 0.20 |
| — | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | -81.6% | |
| Interest Coverage | 0.21 | 0.48 | 0.41 | 0.30 | 0.22 | 0.22 | 0.06 | 0.36 | 0.20 | -1.22 | -0.28 | -0.27 | -0.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 24 years · Updated daily
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Start ComparisonSoFi Technologies, Inc.'s current P/E is 45.5x. The average P/E over the last 4 quarters is 44.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SoFi Technologies, Inc.'s current operating margin is 6.3%. 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.