Last 28 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 29.83 | 21.83 | 37.35 | 33.08 | 50.35 | 60.05 | 55.18 | 48.46 | 12.83 | 37.36 | 220.33 | 84.49 | 67.96 | — | — | — | — | — | — | — | — |
| — | -63.6% | -32.3% | -31.7% | +292.3% | +60.7% | -75.0% | -42.6% | -81.1% | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 4.40 | 3.85 | 4.97 | 4.97 | 8.59 | 8.87 | 6.31 | 4.47 | 6.04 | 3.13 | 2.94 | 3.25 | 4.26 | 3.54 | 3.92 | 2.99 | 2.33 | 2.64 | 3.31 | 6.10 | 11.27 |
| — | -56.6% | -21.1% | +11.3% | +42.4% | +183.5% | +114.4% | +37.5% | +41.7% | -11.6% | -25.0% | +8.7% | +83.0% | +34.1% | +18.6% | -51.0% | -79.3% | -77.4% | -56.3% | +140.0% | +692.0% | |
| P/B Ratio | 1.93 | 1.89 | 2.19 | 2.02 | 3.36 | 3.88 | 3.14 | 2.06 | 2.72 | 1.42 | 1.19 | 1.24 | 1.84 | 1.41 | 1.40 | 1.02 | 0.77 | 0.81 | 0.87 | 1.46 | 2.74 |
| — | -51.4% | -30.4% | -2.0% | +23.7% | +173.9% | +163.5% | +66.7% | +47.3% | +0.3% | -14.8% | +21.9% | +139.6% | +73.9% | +60.8% | -30.3% | -71.9% | -70.8% | -43.6% | -54.8% | +757.4% | |
| P/FCF | — | — | — | 108.71 | — | 871.98 | — | — | — | — | — | 2.70 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 11.68 | 7.69 | 22.10 | 19.09 | 32.48 | 40.51 | 34.74 | 27.47 | 40.52 | 20.77 | 30.46 | 12.11 | 29.92 | — | 3559.99 | 253.96 | 621.86 | — | — | — | — |
| — | -81.0% | -36.4% | -30.5% | -19.8% | +95.0% | +14.1% | +126.8% | +35.4% | — | -99.1% | -95.2% | -95.2% | — | — | — | — | — | — | — | — | |
| EV / EBIT | 33.85 | 7.69 | 30.00 | 25.55 | 43.50 | 56.66 | 52.31 | 46.51 | 76.73 | 37.62 | 128.98 | 18.35 | 61.18 | — | — | — | — | — | — | — | — |
| — | -86.4% | -42.6% | -45.1% | -43.3% | +50.6% | -59.4% | +153.4% | +25.4% | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.2% | 98.9% | 98.9% | 99.2% | 99.5% | 99.0% | 98.8% | 99.3% | 99.1% | 99.1% | 98.1% | 98.8% | 98.0% | 95.9% | 97.5% | 98.2% | 96.7% | 96.2% | 97.2% | 96.1% | 98.4% |
| — | -0.1% | +0.0% | -0.1% | +0.4% | -0.1% | +0.8% | +0.5% | +1.1% | +3.3% | +0.6% | +0.6% | +1.3% | -0.2% | +0.3% | +2.2% | -1.7% | -3.0% | -2.6% | -3.9% | -1.6% | |
| Operating Margin | 14.6% | 22.9% | 16.8% | 18.1% | 18.1% | 15.4% | 13.1% | 10.3% | 8.2% | 9.2% | 2.6% | 16.1% | 8.5% | -49.7% | -9.9% | -7.6% | -8.5% | -17.6% | -26.4% | -33.2% | -38.3% |
| — | +48.5% | +27.8% | +75.4% | +121.5% | +67.8% | +412.1% | -35.7% | -4.1% | +118.5% | +125.9% | +310.6% | +199.8% | -183.0% | +62.5% | +77.0% | +77.7% | -59.9% | +63.1% | +63.2% | +24.9% | |
| Net Margin | 13.3% | 17.4% | 12.8% | 15.2% | 16.9% | 14.5% | 11.4% | 9.2% | 45.3% | 8.8% | 2.9% | 15.0% | 8.0% | -49.6% | -9.5% | -7.3% | -8.8% | -17.5% | -26.4% | -33.4% | -38.9% |
| — | +20.0% | +12.9% | +64.4% | -62.6% | +65.6% | +291.3% | -38.7% | +467.9% | +117.6% | +130.5% | +306.2% | +191.0% | -183.6% | +63.9% | +78.2% | +77.5% | -58.4% | +63.0% | +63.1% | +19.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 2.2% | 1.4% | 1.6% | 1.8% | 1.8% | 1.4% | 1.1% | 5.3% | 1.0% | 0.3% | 1.5% | 0.9% | -4.9% | -0.9% | -0.6% | -0.7% | -1.3% | -1.7% | -2.2% | -2.4% |
| — | +20.9% | -0.4% | +45.3% | -65.7% | +76.4% | +397.3% | -28.4% | +499.7% | +120.7% | +133.8% | +342.3% | +220.9% | -261.2% | +50.8% | +71.2% | +69.7% | -104.1% | +73.0% | +77.7% | +55.7% | |
| ROA | 1.1% | 0.4% | 0.3% | 0.3% | 0.4% | 0.3% | 0.2% | 0.2% | 0.9% | 0.2% | 0.1% | 0.3% | 0.2% | -1.0% | -0.2% | -0.2% | -0.2% | -0.5% | -0.8% | -1.0% | -1.3% |
| — | +16.1% | +10.7% | +66.2% | -61.6% | +77.9% | +353.5% | -33.0% | +470.2% | +118.2% | +127.5% | +272.8% | +171.9% | -91.3% | +74.2% | +83.9% | +82.2% | -36.3% | +80.3% | +72.8% | +33.3% | |
| ROIC | 3.6% | 1.6% | 1.1% | 1.2% | 1.2% | 1.0% | 0.8% | 0.6% | 0.5% | 0.5% | 0.1% | 0.7% | 0.3% | -1.7% | -0.3% | -0.2% | -0.3% | -0.6% | -0.7% | -0.8% | -1.0% |
| — | +61.7% | +38.6% | +94.4% | +146.4% | +91.6% | +544.8% | -13.1% | +38.7% | +130.9% | +140.9% | +399.2% | +224.1% | -194.5% | +56.9% | +72.0% | +72.6% | -86.2% | +77.8% | +72.3% | +38.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.35 | 0.31 | 0.18 | 0.18 | 0.32 | 0.59 | 0.47 | 0.49 | 0.54 | 0.54 | 0.49 | 0.97 | 1.18 | 1.19 | 1.13 | 1.02 | 0.86 | 0.71 | 0.93 | 0.89 |
| — | +10.2% | -47.7% | -62.3% | -62.4% | -40.4% | +8.2% | -3.7% | -49.1% | -54.7% | -54.1% | -56.6% | -5.3% | +37.6% | +66.9% | +21.6% | +14.1% | +30.5% | +25.2% | +40364.3% | -46.1% | |
| Debt / EBITDA | 2.55 | 5.44 | 12.27 | 7.17 | 7.79 | 13.51 | 23.88 | 23.25 | 28.24 | 28.38 | 49.38 | 21.02 | 51.26 | — | 8253.29 | 675.44 | 1655.22 | — | — | — | — |
| — | -59.7% | -48.6% | -69.2% | -72.4% | -52.4% | -51.6% | +10.6% | -44.9% | — | -99.4% | -96.9% | -96.9% | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.24 | 0.83 | 0.16 | 0.17 | 0.24 | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 | 0.20 | 0.15 | 0.18 | 0.54 | 1.11 |
| — | +392.1% | +9.3% | +9.4% | +22.9% | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | -81.6% | -69.1% | -59.7% | +257.3% | +73.6% | |
| Quick Ratio | 0.24 | 0.83 | 0.16 | 0.17 | 0.24 | 0.17 | 0.15 | 0.15 | 0.19 | 0.15 | 0.16 | 0.20 | 0.20 | 0.19 | 0.23 | 0.21 | 0.20 | 0.15 | 0.18 | 0.54 | 1.11 |
| — | +392.1% | +9.3% | +9.4% | +22.9% | +9.6% | -9.2% | -23.6% | -2.5% | -19.3% | -31.5% | -6.3% | -2.9% | +28.7% | +33.0% | -60.2% | -81.6% | -69.1% | -59.7% | +257.3% | +73.6% | |
| Interest Coverage | 0.45 | 1.77 | 0.58 | 0.65 | 0.60 | 0.48 | 0.41 | 0.30 | 0.22 | 0.22 | 0.06 | 0.36 | 0.20 | -1.22 | -0.28 | -0.27 | -0.39 | -1.85 | -3.57 | -4.67 | -6.01 |
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Includes 30+ ratios · 28 years · Updated daily
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Quick answers to the most common questions about buying SOFI stock.
SoFi Technologies, Inc.'s current P/E is 29.8x. The average P/E over the last 4 quarters is 35.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SoFi Technologies, Inc.'s current operating margin is 14.6%. 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.