SoFi Technologies, Inc. (SOFI) P/E Ratio History
Historical price-to-earnings valuation from 2024 to 2025
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SOFI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, SoFi Technologies, Inc. (SOFI) trades at a price-to-earnings ratio of 41.1x, with a stock price of $16.02 and trailing twelve-month earnings per share of $0.36.
The current P/E is 14% below its 5-year average of 47.9x. Over the past five years, SOFI's P/E has ranged from a low of 27.7x to a high of 68.4x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.3x, SOFI trades at a 208% premium to its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 197.4x.
Relative to the broader market, SOFI commands a significant premium over the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SOFI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
SOFI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 14.8 | - | +156% | |
| $3B | 69.3 | 4.82 | +131% | |
| $22B | 445.4 | - | +109% | |
| $3B | 19.5 | - | +223% | |
| $258M | 9.8 | - | +175% | |
| $4B | 6.5 | 0.72 | +29% | |
| $563M | 3.8Lowest | - | +443%Best | |
| $69B | 37.6 | 0.14Best | +31% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
SOFI Historical P/E Data (2024–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $26.18 | $0.38 | 68.4x | +43% |
| FY2025 Q3 | $26.42 | $0.55 | 47.8x | -0% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $18.21 | $0.50 | 36.8x | -23% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $11.63 | $0.42 | 27.7x | -42% |
| FY2024 Q4 | $15.40 | $0.38 | 40.3x | -16% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $7.86 | $0.12 | 66.4x | +39% |
Average P/E for displayed period: 47.9x
Full SOFI Stock Analysis
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Start ComparisonSOFI — Frequently Asked Questions
Quick answers to the most common questions about buying SOFI stock.
Is SOFI stock overvalued or undervalued?
SOFI trades at 41.1x P/E, near its 5-year average of 47.9x. The 50th percentile ranking places valuation within normal historical bounds.
How does SOFI's valuation compare to peers?
SoFi Technologies, Inc. P/E of 41.1x compares to sector median of 13.3x. The premium reflects expected growth above peers.
What is SOFI's PEG ratio?
SOFI PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2024-2025.