SoFi Technologies, Inc. SOFI Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 83.6%+1.4pp | 83.1%+0.4pp | 82.7%-0.2pp | 82.4%-0.4pp | 82.3%-0.5pp | |
| Net margin | 14.6%-2.6pp | 13.3%-5.3pp | 19.3%— | 18.4%— | 17.2%— | |
| EBITDA margin | 53.1%-1.3pp | 53%-4.1pp | 52.5%— | 53.6%— | 54.3%— | |
| Free cash flow margin | -160.7%-88.9pp | -110.3%-62.7pp | -95.4%-44.0pp | -98.8%+18.6pp | -71.8%+120pp | |
| Returns | ||||||
| Return on equity | 6.6%-1.1pp | 5.7%-2.8pp | 8.6%— | 8.8%— | 7.7%— | |
| Return on assets | 1.3%-0.1pp | 1.1%-0.4pp | 1.6%— | 1.5%— | 1.4%— | |
| Return on invested capital | 20.5%-1.8pp | 21.9%+2.9pp | 21.3%— | 19.5%— | 22.3%— | |
| 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×-0.3× | 0.2×-0.3× | 0.3×-0.2× | 0.6×0.0× | 0.5×0.0× | |
| Debt-to-assets | 0×0.0× | 0×-0.1× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Net debt / EBITDA | -0.9×-1.2× | -1.8×-2.1× | -0.5×— | 0.8×— | 0.3×— | |
| Interest coverage | 1.5×+0.3× | 1.5×+0.2× | 1.4×— | 1.3×— | 1.2×— | |
| Per Share | ||||||
| Book value per share | $7.85+39.3% | $8.38+41.4% | $6.80+22.7% | $5.80+4.7% | $5.63+0.8% | |
| Valuation | ||||||
| Market capitalization | $20.25B+58.8% | $33B+97.5% | $31.64B+276% | $17.52B+150% | $12.75B+77.8% | |
| Enterprise value | $18.4B+39.7% | $29.58B+71.9% | $30.7B+252% | $18.84B+152% | $13.18B+119% | |
| Price / earnings | 35.1×+8.6× | 68.6×+35.0× | 49.4×— | 31.2×— | 26.5×— | |
| Price / sales | 5.1×+0.6× | 9.1×+2.9× | 9.5×+6.2× | 5.7×+2.8× | 4.6×+1.4× | |
| Price / book | 1.9×0.0× | 3.1×+0.6× | 3.6×+2.2× | 2.6×+1.4× | 1.9×+0.7× | |
| EV / EBITDA | 8.8×+0.1× | 15.4×+4.2× | 17.6×— | 11.5×— | 8.7×— | |
| EV / sales | 4.7×0.0× | 8.2×+1.8× | 9.2×+5.8× | 6.2×+3.0× | 4.7×+2.1× | |
| Free cash flow yield | -31.3%-15.5pp | -12.1%-4.5pp | -10%+5.6pp | -17.2%+22.9pp | -15.8%+45.5pp | |
| Earnings yield | 2.8%-0.9pp | 1.5%-1.5pp | 2%— | 3.2%— | 3.8%— | |
| PEG ratio | 1.8×— | —— | —— | —— | —— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
