SoFi Technologies, Inc. SOFI Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | 83.1%+0.4pp | 82.7%+0.6pp | 82.1%+2.0pp | 80.1%+6.2pp | |
| Net margin | 13.3%-5.3pp | 18.6%— | —— | -20.4%+28.8pp | |
| EBITDA margin | 53%-4.1pp | 57.1%— | —— | 1.4%+15.7pp | |
| Free cash flow margin | -110.3%-62.7pp | -47.6%+298pp | -345.7%+121pp | -467%-325pp | |
| Returns | |||||
| Return on equity | 5.7%-2.8pp | 8.5%— | —— | -6.7%— | |
| Return on assets | 1.1%-0.4pp | 1.5%— | —— | -2.3%+3.2pp | |
| Return on invested capital | 21.9%+2.9pp | 18.9%— | —— | -1.6%+2.3pp | |
| Efficiency | |||||
| Asset turnover | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.2×-0.3× | 0.5×-0.5× | 1×-0.1× | 1.1×+0.1× | |
| Debt-to-assets | 0×-0.1× | 0.1×-0.1× | 0.2×-0.1× | 0.3×-0.2× | |
| Net debt / EBITDA | -1.8×-2.1× | 0.3×— | —— | 172.1×— | |
| Interest coverage | 1.5×+0.2× | 1.2×— | —— | -0.7×+1.7× | |
| Per Share | |||||
| Book value per share | $8.38+41.4% | $5.92+7.0% | $5.54-4.2% | $5.78-30.4% | |
| Valuation | |||||
| Market capitalization | $33B+97.5% | $16.71B+74.5% | $9.58B+125% | $4.25B-68.4% | |
| Enterprise value | $29.58B+71.9% | $17.21B+52.0% | $11.32B+41.0% | $8.03B-52.3% | |
| Price / earnings | 68.6×+35.0× | 33.5×— | —— | —— | |
| Price / sales | 9.1×+2.9× | 6.2×+1.7× | 4.5×+1.8× | 2.7×-11.0× | |
| Price / book | 3.1×+0.6× | 2.6×+0.7× | 1.8×+1.0× | 0.8×-2.3× | |
| EV / EBITDA | 15.4×+4.2× | 11.3×— | —— | 366.2×— | |
| EV / sales | 8.2×+1.8× | 6.4×+1.1× | 5.3×+0.2× | 5.1×-12.0× | |
| Free cash flow yield | -12.1%-4.5pp | -7.6%+69.0pp | -76.6%+96.1pp | -172.7%-162pp | |
| Earnings yield | 1.5%-1.5pp | 3%— | —— | -7.5%-3.9pp |
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.
