SoFi Technologies, Inc. (SOFI) P/E Ratio History
Historical price-to-earnings valuation from 2024 to 2025
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of February 28, 2026, SoFi Technologies, Inc. (SOFI) trades at a price-to-earnings ratio of 45.5x, with a stock price of $17.76 and trailing twelve-month earnings per share of $0.50.
The current P/E is roughly in line with its 5-year average of 43.8x. Over the past five years, SOFI's P/E has ranged from a low of 27.7x to a high of 66.4x, placing the current valuation at the 60th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, SOFI trades at a 231% premium to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, SOFI commands a significant premium over the S&P 500 median P/E of 26.2x. 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.
Peer Comparison
P/E metrics vs. Student Loan Lending and Servicing peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
SOFISoFi Technologies, Inc. | $21B | 45.5 | - | +208%Best |
JSMNavient Corporation SR NT 6% 121543 | $5B | 16.1 | - | -35% |
SLMSLM Corporation | $4B | 7.0Lowest | 0.47Best | +11% |
NAVINavient Corporation | $841M | 7.4 | - | -36% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $26.42 | $0.55 | 47.8x | +9% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $18.21 | $0.50 | 36.8x | -16% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $11.63 | $0.42 | 27.7x | -37% |
| FY2024 Q4 | $15.40 | $0.38 | 40.3x | -8% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $7.86 | $0.12 | 66.4x | +52% |
Average P/E for displayed period: 43.8x
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Start ComparisonFrequently Asked Questions
Is SOFI stock overvalued or undervalued?
SOFI trades at 45.5x P/E, near its 5-year average of 43.8x. The 60th percentile ranking places valuation within normal historical bounds.
How does SOFI's valuation compare to peers?
SoFi Technologies, Inc. P/E of 45.5x compares to sector median of 13.8x. 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.