Where do SoFi Technologies, Inc.'s ratios come from?

Every ratio is computed from SoFi Technologies, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Gross margin	83.6%+0.5pp	83.1%+0.5pp	82.7%+0.3pp	82.4%+0.2pp	82.3%-0.5pp
Net margin	14.6%+1.3pp	13.3%-5.9pp	19.3%+0.9pp	18.4%+1.2pp	17.2%-1.4pp
EBITDA margin	53.1%0.0pp	53%+0.5pp	52.5%-1.1pp	53.6%-0.7pp	54.3%-2.8pp
Free cash flow margin	-160.7%-50.5pp	-110.3%-14.9pp	-95.4%+3.4pp	-98.8%-27.0pp	-71.8%-24.2pp
Returns
Return on equity	6.6%+0.9pp	5.7%-2.9pp	8.6%-0.2pp	8.8%+1.1pp	7.7%-0.8pp
Return on assets	1.3%+0.2pp	1.1%-0.5pp	1.6%+0.1pp	1.5%+0.1pp	1.4%-0.1pp
Return on invested capital	20.5%-1.3pp	21.9%+0.6pp	21.3%+1.8pp	19.5%-2.8pp	22.3%+3.4pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0.2×0.0×	0.2×-0.1×	0.3×-0.3×	0.6×+0.1×	0.5×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	-0.9×+0.9×	-1.8×-1.2×	-0.5×-1.3×	0.8×+0.5×	0.3×0.0×
Interest coverage	1.5×+0.1×	1.5×+0.1×	1.4×+0.1×	1.3×+0.1×	1.2×0.0×
Per Share
Book value per share	$7.85-6.4%	$8.38+23.2%	$6.80+17.3%	$5.80+3.0%	$5.63-4.9%
Valuation
Market capitalization	$20.25B-38.6%	$33B+4.3%	$31.64B+80.6%	$17.52B+37.4%	$12.75B-23.7%
Enterprise value	$18.4B-37.8%	$29.58B-3.7%	$30.7B+62.9%	$18.84B+43.0%	$13.18B-23.4%
Price / earnings	35.1×-33.5×	68.6×+19.1×	49.4×+18.2×	31.2×+4.7×	26.5×-7.0×
Price / sales	5.1×-4.0×	9.1×-0.4×	9.5×+3.8×	5.7×+1.2×	4.6×-1.7×
Price / book	1.9×-1.3×	3.1×-0.5×	3.6×+1.0×	2.6×+0.6×	1.9×-0.7×
EV / EBITDA	8.8×-6.6×	15.4×-2.2×	17.6×+6.1×	11.5×+2.8×	8.7×-2.6×
EV / sales	4.7×-3.5×	8.2×-1.1×	9.2×+3.1×	6.2×+1.5×	4.7×-1.7×
Free cash flow yield	-31.3%-19.2pp	-12.1%-2.1pp	-10%+7.2pp	-17.2%-1.5pp	-15.8%-8.1pp
Earnings yield	2.8%+1.4pp	1.5%-0.6pp	2%-1.2pp	3.2%-0.6pp	3.8%+0.8pp
PEG ratio	1.8×—	——	——	——	——

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Where do SoFi Technologies, Inc.'s ratios come from?: Every ratio is computed from SoFi Technologies, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.