SoFi Technologies, Inc. (SOFI) Key Metrics
SOFI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $18.79B
- Enterprise value
- $18.84B
- P/E (TTM)
- 29.7
- Forward P/E
- 20.7
- PEG ratio
- 0.60
- Price / sales
- 4.4 10-yr median 6.7
- Price / book
- 1.9 10-yr median 1.8
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 2.33
SOFI key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSOFI valuation Price multiples at each fiscal year-end price.
SOFI returns How much profit the business earns on the capital it uses.
SOFI per-share figures Results divided by the shares outstanding at year-end.
SOFI financial health Debt, liquidity and how easily interest is covered.
SOFI efficiency & capital use Working capital cycle and where the cash goes.
SOFI valuation history
SOFI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SOFI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SOFI cash returned to shareholders
SOFI price vs earnings per share
SOFI key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||
| Market capitalization | $32.77B | $16.96B | $9.40B | $4.15B | $8.33B | $5.78B | — | — | — |
| Enterprise value | $27.35B | $15.82B | $11.18B | $8.33B | $12.18B | $9.98B | — | — | — |
| P/E ratio | 68.1 | 34.0 | — | — | — | — | — | — | — |
| Price / sales | 6.9 | 6.5 | 4.6 | 2.4 | 7.7 | 7.7 | — | — | — |
| Price / book | 3.1 | 2.6 | 1.7 | 0.8 | 1.8 | 1.9 | — | — | — |
| EV / sales | 5.7 | 6.1 | 5.5 | 4.7 | 11.2 | 13.3 | — | — | — |
| EV / EBITDA | 36.0 | 36.2 | — | — | — | — | — | — | — |
| Earnings yield | 1.5% | 2.9% | −3.2% | −7.7% | −5.8% | −3.9% | — | — | — |
| Free cash flow yield | −12.2% | −7.6% | −78.1% | −177.2% | −16.8% | −8.7% | — | — | — |
| Dividend yield | 0.0% | 0.1% | 0.4% | 1.0% | 0.5% | 177.1% | — | — | — |
| Shareholder yield (dividends + buybacks) | 0.2% | 2.0% | 0.6% | 1.2% | 3.9% | 177.8% | — | — | — |
| Share price at fiscal year-end | $26.18 | $15.40 | $9.95 | $4.61 | $15.81 | $12.44 | — | — | — |
| Per share | |||||||||
| Revenue per share | $3.81 | $2.37 | $2.17 | $1.96 | $2.06 | $1.62 | $0.95 | $1.29 | — |
| Earnings per share | $0.38 | $0.45 | −$0.32 | −$0.36 | −$0.92 | −$0.48 | −$0.52 | −$0.54 | — |
| Operating cash flow per share | −$2.99 | −$1.02 | −$7.65 | −$8.05 | −$2.56 | −$1.03 | −$0.12 | $2.20 | — |
| Free cash flow per share | −$3.18 | −$1.17 | −$7.78 | −$8.17 | −$2.66 | −$1.08 | −$0.20 | $2.17 | — |
| Cash per share | $5.88 | $3.94 | $3.79 | $1.62 | $1.31 | $1.88 | $1.08 | $1.16 | — |
| Book value per share | $8.38 | $5.92 | $5.88 | $6.14 | $8.92 | $6.57 | $4.52 | −$14.42 | — |
| Tangible book value per share | $6.78 | $4.08 | $3.83 | $3.68 | $6.35 | $3.55 | $4.03 | −$14.86 | — |
| Dividends per share | $0.00 | $0.01 | $0.04 | $0.04 | $0.08 | $22.04 | $0.05 | $0.05 | — |
| Capex per share | $0.19 | $0.15 | $0.13 | $0.12 | $0.10 | $0.05 | $0.08 | $0.03 | — |
| Debt per share | $1.55 | $2.91 | $5.67 | $6.25 | $8.62 | $10.92 | $10.94 | $0.39 | — |
| Shares outstanding | 1.25B | 1.10B | 945.0M | 900.9M | 526.7M | 464.6M | 464.6M | 464.6M | — |
| Change in shares outstanding | +13.7% | +16.5% | +4.9% | +71.0% | +13.4% | 0.0% | 0.0% | — | — |
| Returns & profitability | |||||||||
| Return on equity (ROE) | 5.7% | 8.3% | −5.4% | −6.3% | −12.5% | −8.7% | — | — | — |
| Return on invested capital (ROIC) | 9.2% | 6.8% | −2.8% | −2.8% | −4.8% | −3.7% | — | — | — |
| Return on assets (ROA) | 1.1% | 1.5% | −1.2% | −2.3% | −5.5% | −2.8% | −6.6% | −894.9% | — |
| Return on tangible assets | 1.0% | 1.5% | −1.1% | −1.9% | −6.2% | −3.1% | −3.4% | — | — |
| Free cash flow margin | −83.5% | −49.1% | −358.3% | −417.5% | −128.9% | −67.1% | −20.9% | 168.3% | 7.9% |
| Income quality (OCF / net income) | −7.78 | −2.25 | — | — | — | — | — | — | 1.54 |
| Financial health | |||||||||
| Total debt | $1.93B | $3.20B | $5.36B | $5.63B | $4.54B | $5.07B | $5.08B | $182.8M | — |
| Cash & short-term investments | $7.36B | $4.34B | $3.59B | $1.46B | $689.6M | $872.6M | $499.5M | $537.0M | — |
| Net debt | −$5.43B | −$1.14B | $1.78B | $4.17B | $3.85B | $4.20B | $4.59B | −$354.2M | — |
| Debt / equity | 0.18 | 0.49 | 0.97 | 1.02 | 0.97 | 1.66 | 2.42 | — | — |
| Debt / assets | 0.04 | 0.09 | 0.18 | 0.30 | 0.49 | 0.59 | 0.70 | 6.48 | — |
| Net debt / EBITDA | −7.14 | −2.61 | — | — | — | — | — | — | — |
| Current ratio | 0.24 | 0.19 | 0.20 | 0.20 | 1.39 | 1.90 | 3.23 | 103.09 | — |
| Quick ratio | 0.24 | 0.19 | 0.20 | −0.03 | −0.08 | −0.95 | −1.18 | 219.65 | — |
| Interest coverage | 0.5 | 0.8 | -0.4 | -1.7 | -4.7 | -1.8 | -0.9 | -0.8 | — |
| Working capital | −$29.29B | −$21.66B | −$15.60B | −$6.46B | $191.8M | $436.9M | $359.8M | $7.68B | — |
| Invested capital | $5.06B | $5.39B | $7.33B | $9.70B | $8.55B | $7.25B | $6.69B | −$7.05B | — |
| Tangible asset value | $8.49B | $4.49B | $3.62B | $3.31B | $3.35B | $1.65B | $1.87B | −$6.90B | — |
| Net current asset value | −$31.01B | −$24.52B | −$20.65B | −$11.82B | −$3.79B | −$4.59B | −$4.67B | $1.03B | — |
| Graham number | $8.51 | $7.77 | — | — | — | — | — | — | — |
| Graham net-net per share | −$25.68 | −$22.65 | −$22.02 | −$12.19 | −$6.38 | −$8.41 | −$9.29 | −$11.11 | — |
| Capital allocation | |||||||||
| Dividends paid | $0 | $16.5M | $40.4M | $40.4M | $40.4M | $10.24B | $23.9M | $23.9M | $651,000 |
| Share buybacks (net) | $65.0M | $323.4M | $15.3M | $9.0M | $283.4M | $40.6M | $8.8M | $3.2M | $1.1M |
| Dividend payout ratio | 0.0% | 3.3% | — | — | — | — | — | — | 1.3% |
| Dividends + buybacks / free cash flow | — | — | — | — | — | — | — | 2.7% | 2.7% |
| Capex / revenue | 5.1% | 6.3% | 5.9% | 5.9% | 4.8% | 3.3% | 8.5% | 2.3% | 1.4% |
| Capex / operating cash flow | — | — | — | — | — | — | — | 1.3% | 15.1% |
| Capex / depreciation | 1.04 | 0.80 | 0.60 | 0.69 | 0.51 | 0.35 | 2.36 | 1.26 | 1.42 |
| Stock-based compensation / revenue | 5.5% | 9.4% | 13.2% | 17.4% | 22.0% | 13.4% | 13.9% | 7.2% | 4.8% |
| R&D / revenue | 13.6% | 21.1% | 24.9% | 23.0% | 25.4% | 26.8% | 33.3% | 16.6% | 8.3% |
| SG&A / revenue | 37.7% | 53.5% | 60.0% | 63.5% | 85.1% | 68.4% | 34.4% | 55.8% | 41.5% |
| Efficiency | |||||||||
| Days sales outstanding | 56.7 | 52.9 | 26.4 | 22.0 | 22.8 | 17.4 | 2,985.4 | 4,392.4 | — |
| Days of inventory on hand | — | — | — | 1,951.0 | 3,489.2 | 2,059.0 | -5,257.1 | -9,683.5 | — |
| Days payables outstanding | 34.2 | -1,734.1 | 50.8 | 331.7 | 1,242.2 | 547.2 | 111.9 | 75.0 | — |
| Cash conversion cycle (days) | 22.4 | 1,787.0 | -24.4 | 1,641.3 | 2,269.8 | 1,529.2 | -2,383.6 | -5,366.1 | — |
| Receivables turnover | 6.44 | 6.90 | 13.82 | 16.59 | 16.02 | 20.98 | 0.12 | 0.08 | — |
| Payables turnover | 10.66 | −0.21 | 7.18 | 1.10 | 0.29 | 0.67 | 3.26 | 4.87 | — |
| Inventory turnover | — | — | — | 0.19 | 0.10 | 0.18 | — | — | — |
| Asset turnover | 0.11 | 0.08 | 0.08 | 0.13 | 0.12 | 0.09 | 0.12 | 21.27 | — |
| Average receivables | $740.5M | $378.7M | $148.5M | $106.3M | $67.9M | $35.8M | $3.62B | $7.22B | — |
| Average payables | $111.3M | $146.3M | $152.2M | $221.4M | $375.5M | $278.2M | $85.7M | $67.9M | — |
| Average inventory | — | — | — | $1.30B | $1.05B | $1.05B | −$4.03B | −$8.77B | — |
| Intangibles / total assets | 4.0% | 5.6% | 6.4% | 11.7% | 14.7% | 16.4% | 3.1% | 726.0% | — |
Computed from SOFI's annual financial statements (latest annual report filed February 17, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SOFI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), SoFi Technologies traded at 68.1 times earnings. Based on the latest twelve months, the trailing P/E is 29.7 and the forward P/E is 20.7. SoFi Technologies earned a return on equity of 5.7% and a return on invested capital of 9.2% in fiscal 2025. It ended the year with $1.9 billion of debt and $7.4 billion in cash and short-term investments, a net cash position of $5.4 billion. It returned $65.0 million to shareholders: $0 in dividends and $65.0 million in share buybacks.
See the SOFI income statement, the SOFI chart for price history, or the SOFI stock overview for the latest quote and news.
SOFI key metrics FAQ
What is SoFi Technologies's P/E ratio?
SoFi Technologies's trailing P/E ratio is 29.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 20.7. At the end of fiscal 2025 it was 68.1.
What is SoFi Technologies's EV/EBITDA?
SoFi Technologies's enterprise value was 36.0 times EBITDA at the end of fiscal 2025 (enterprise value $27.3 billion, EBITDA $760.0 million).
What is SoFi Technologies's return on equity?
SoFi Technologies's return on equity (ROE) was 5.7% in fiscal 2025: net income of $481.3 million on average shareholders' equity of $8.5 billion.
What is SoFi Technologies's ROIC?
SoFi Technologies's return on invested capital was 9.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does SoFi Technologies have?
SoFi Technologies had total debt of $1.9 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.18 and more cash than debt.
Does SoFi Technologies pay a dividend?
SoFi Technologies did not pay a dividend in fiscal 2025.
Does SoFi Technologies buy back its shares?
Yes. SoFi Technologies spent $65.0 million on net share repurchases in fiscal 2025 Shares outstanding changed +13.7% over the year, to 1.25B..
What is SoFi Technologies's free cash flow yield?
SoFi Technologies generated -$4.0 billion of free cash flow in fiscal 2025, a free cash flow yield of −12.2% on its market value at year-end ($32.8 billion).
What is SoFi Technologies's current ratio?
SoFi Technologies's current ratio was 0.24 at the end of fiscal 2025: current assets were 0.24 times current liabilities.