Total Valuation
SoFi has a market cap or net worth of €20.56B. The enterprise value is €24.08K.
Market Cap€20.56B
Enterprise Value€24.08K
Share Statistics
SoFi has 1,291,570,300 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding1,291,570,300
Owned by Insiders1.43%
Owned by Institutions2.76%
Financial Efficiency
SoFi’s return on equity (ROE) is 0.05 and return on invested capital (ROIC) is 3.79%.
Return on Equity (ROE)0.05
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.79%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee781.90K
Profits Per Employee78.90K
Employee Count6,100
Asset Turnover0.09
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of SoFi is 35.5. SoFi’s PEG ratio is -7.17.
PE Ratio35.5
PS Ratio6.31
PB Ratio2.87
Price to Fair Value2.87
Price to FCF-7.56
Price to Operating Cash Flow-3.32
PEG Ratio-7.17
Income Statement
In the last 12 months, SoFi had revenue of 4.77B and earned 481.32M in profits. Earnings per share was 0.42.
Revenue4.77B
Gross Profit3.58B
Operating Income525.86M
Pretax Income525.86M
Net Income481.32M
EBITDA760.01M
Earnings Per Share (EPS)0.42
Cash Flow
In the last 12 months, operating cash flow was -4.69B and capital expenditures -295.00M, giving a free cash flow of -4.98B billion.
Operating Cash Flow-4.69B
Free Cash Flow-4.98B
Free Cash Flow per Share-3.86
Dividends & Yields
SoFi pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.31
52-Week Price Change-19.68%
50-Day Moving Average15.21
200-Day Moving Average18.01
Relative Strength Index (RSI)54.30
Average Volume (3m)9.85K
Important Dates
SoFi upcoming earnings date is Nov 3, 2026, After Close (Confirmed).
Last Earnings DateJul 29, 2026
Next Earnings DateNov 3, 2026
Ex-Dividend Date―
Financial Position
SoFi as a current ratio of 0.24, with Debt / Equity ratio of 30.74%
Current Ratio0.24
Quick Ratio0.24
Debt to Market Cap0.06
Net Debt to EBITDA-3.94
Interest Coverage Ratio0.45
Taxes
In the past 12 months, SoFi has paid 44.54M in taxes.
Income Tax44.54M
Effective Tax Rate0.08
Enterprise Valuation
SoFi EV to EBITDA ratio is 35.68, with an EV/FCF ratio of -6.80.
EV to Sales5.69
EV to EBITDA35.68
EV to Free Cash Flow-6.80
EV to Operating Cash Flow-7.25
Balance Sheet
SoFi has €7.35B in cash and marketable securities with €3.41B in debt, giving a net cash position of €3.95B billion.
Cash & Marketable Securities€7.35B
Total Debt€3.41B
Net Cash€3.95B
Net Cash Per Share€3.06
Tangible Book Value Per Share€7.38
Margins
Gross margin is 76.46%, with operating margin of 11.03%, and net profit margin of 10.09%.
Gross Margin76.46%
Operating Margin11.03%
Pretax Margin11.03%
Net Profit Margin10.09%
EBITDA Margin15.93%
EBIT Margin11.03%
Analyst Forecast
The average price target for SoFi is €16.73, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target€16.73
Price Target Upside13.71% Upside
Analyst ConsensusHold
Analyst Count13
Revenue Growth Forecast25.08%
EPS Growth Forecast-7.73%