SoFi Technologies
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
95.9750.39
Price/Sales ratio
6.395.28
Earnings per Share (EPS)
$0.23$0.44

Historical Multiples (2017 – 2023)

2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
21.05-4.17-4.39-6.44-17.20-12.96-31.26-17.19-11.82
Price/Sales ratio
2.083.912.382.558.522.734.543.502.46
Price/Book Value ratio
N/A0.120.500.471.770.751.691.050.48
Price/Cash Flow ratio
13.731.03-19.26-3.01-6.16-0.57-1.30-0.75-11.14
Price/Free Cash Flow ratio
16.171.04-11.42-2.86-5.93-0.56-1.27-0.74-7.14
Price/Earnings Growth ratio
N/A0.01-0.95-0.310.270.213.12-0.14-0.63
Dividend Yield
0.06%N/A2.26%2.80%3.88%0.97%0.42%N/A3.34%
Profitability Indicator Ratios
Gross Profit Margin
N/AN/AN/AN/AN/AN/AN/A79.00%N/A
Operating Profit Margin
11.37%-97.91%-60.67%-62.03%-48.39%-25.76%-9.16%N/A-61.35%
Pretax Profit Margin
74.23%-94.04%-54.12%-58.09%-49.23%-20.97%-14.56%-20.25%-56.10%
Net Profit Margin
9.88%-93.68%-54.14%-39.61%-49.51%-21.09%-14.54%-20.36%-46.88%
Effective Tax Rate
97.83%0.37%-0.04%31.79%-0.57%-0.52%0.13%-0.52%15.61%
Return on Assets
N/A-894.93%-3.28%-2.61%-5.27%-1.68%-1%-1.68%-2.95%
Return On Equity
N/A-2.95%-11.41%-7.33%-10.30%-5.79%-5.41%-5.89%-9.37%
Return on Capital Employed
N/A-1264.09%-3.76%-4.34%-5.44%-2.07%-0.63%N/A-4.05%
Liquidity Ratios
Current Ratio
N/AN/AN/A5.78N/AN/AN/A15.4410.61
Quick Ratio
N/A1.23K-1.18-0.94-0.07-0.4910.4515.44-1.06
Cash ratio
N/A73.213.101.790.9912.078.5112.072.44
Days of Sales Outstanding
N/AN/A17.5711.56N/AN/AN/AN/A5.78
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/A235.660.680.540.490.260.170.700.61
Debt Equity Ratio
N/A0.772.361.520.960.900.942.581.94
Long-term Debt to Capitalization
N/A0.430.690.600.460.470.480.000.53
Total Debt to Capitalization
N/A0.430.700.600.490.470.480.020.54
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/A0.15-0.01-0.10-0.29-1.44-1.37-61.30-0.20
Company Equity Multiplier
N/A0.003.462.801.953.435.413.643.13
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.153.79-0.12-0.84-1.38-4.77-3.49-4.61-1.11
Free Cash Flow / Operating Cash Flow Ratio
0.840.981.681.051.031.011.011.011.04
Cash Flow Coverage Ratio
N/A0.15-0.01-0.10-0.29-1.44-1.37-61.30-0.20
Short Term Coverage Ratio
N/AN/A-0.33N/A-2.71N/AN/A-61.60-1.35
Dividend Payout Ratio
1.29%N/A-9.98%-18.09%-66.80%-12.61%-13.44%N/A-14.03%