Want to see SOFI full AI Analyst Report?
SoFi (SOFI) Ratios
SoFi Ratios
SOFI's free cash flow for Q2 2026 was $-3.99B. For the 2026 fiscal year, SOFI's free cash flow was decreased by $-95.35M and operating cash flow was $-3.89B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.24 | 0.19 | 0.20 | 0.20 | 1.11 |
| Quick Ratio | 0.24 | 0.19 | 0.20 | 0.20 | 1.11 |
| Cash Ratio | 0.13 | 0.09 | 0.16 | 0.18 | 0.66 |
| Solvency Ratio | 0.02 | 0.02 | -0.00 | -0.01 | -0.09 |
| Operating Cash Flow Ratio | -0.10 | -0.04 | -0.37 | -0.89 | -1.80 |
| Short-Term Operating Cash Flow Coverage | -7.70 | -2.30 | -14.87 | -14.93 | -2.71 |
| Net Current Asset Value | $ -31.01B | $ -24.52B | $ -20.65B | $ -11.82B | $ -3.65B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.09 | 0.18 | 0.30 | 0.46 |
| Debt-to-Equity Ratio | 0.18 | 0.49 | 0.97 | 1.02 | 0.89 |
| Debt-to-Capital Ratio | 0.16 | 0.33 | 0.49 | 0.50 | 0.47 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.29 | 0.46 | 0.48 | 0.43 |
| Financial Leverage Ratio | 4.83 | 5.56 | 5.41 | 3.44 | 1.95 |
| Debt Service Coverage Ratio | 0.44 | 0.45 | -0.08 | -0.25 | -0.64 |
| Interest Coverage Ratio | 0.45 | 0.21 | -0.38 | -1.68 | -4.68 |
| Debt to Market Cap | 0.06 | 0.19 | 0.56 | 1.33 | 0.49 |
| Interest Debt Per Share | 2.69 | 4.09 | 6.51 | 6.46 | 8.16 |
| Net Debt to EBITDA | -3.94 | 1.52 | -22.84 | -25.17 | -9.75 |
| Profitability Margins | |||||
| Gross Profit Margin | 75.12% | 69.68% | 70.86% | 86.18% | 89.85% |
| EBIT Margin | 11.03% | 6.30% | -10.39% | -18.08% | -44.24% |
| EBITDA Margin | 15.93% | 11.79% | -3.44% | -9.49% | -34.90% |
| Operating Profit Margin | 11.03% | 6.30% | -10.39% | -18.08% | -44.24% |
| Pretax Profit Margin | 11.03% | 6.30% | -10.39% | -18.08% | -44.24% |
| Net Profit Margin | 10.09% | 13.46% | -10.38% | -18.18% | -44.49% |
| Continuous Operations Profit Margin | 10.09% | 13.46% | -10.38% | -18.18% | -44.49% |
| Net Income Per EBT | 91.53% | 213.70% | 99.86% | 100.53% | 100.57% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.95% | 1.38% | -1.00% | -1.69% | -5.27% |
| Return on Equity (ROE) | 4.59% | 7.64% | -5.41% | -5.80% | -10.30% |
| Return on Capital Employed (ROCE) | 4.30% | 2.49% | -2.84% | -2.93% | -5.71% |
| Return on Invested Capital (ROIC) | 3.79% | 2.36% | -2.71% | -2.80% | -5.39% |
| Return on Tangible Assets | 0.99% | 1.46% | -1.07% | -1.91% | -6.18% |
| Earnings Yield | 1.60% | 3.08% | -3.20% | -7.71% | -5.81% |
| Efficiency Ratios | |||||
| Receivables Turnover | 5.34 | 6.30 | 17.06 | 13.87 | 12.72 |
| Payables Turnover | 13.21 | 8.46 | 5.28 | 1.68 | 0.70 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 9.35 | 10.03 | 9.45 | 6.60 | 4.79 |
| Asset Turnover | 0.09 | 0.10 | 0.10 | 0.09 | 0.12 |
| Working Capital Turnover Ratio | -0.19 | -0.20 | -0.26 | -0.55 | -5.20 |
| Cash Conversion Cycle | 40.75 | 14.74 | -47.74 | -190.31 | -494.12 |
| Days of Sales Outstanding | 68.37 | 57.90 | 21.40 | 26.31 | 28.70 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 27.63 | 43.16 | 69.14 | 216.62 | 522.82 |
| Operating Cycle | 68.37 | 57.90 | 21.40 | 26.31 | 28.70 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -3.25 | -1.07 | -7.65 | -8.05 | -2.56 |
| Free Cash Flow Per Share | -3.46 | -1.22 | -7.78 | -8.17 | -2.66 |
| Dividend Paid and CapEx Coverage Ratio | -15.44 | -6.22 | -44.72 | -50.33 | -14.57 |
| Capital Expenditure Coverage Ratio | -15.44 | -6.84 | -59.63 | -69.95 | -25.84 |
| Operating Cash Flow Coverage Ratio | -1.93 | -0.35 | -1.35 | -1.29 | -0.32 |
| Operating Cash Flow to Sales Ratio | -0.78 | -0.30 | -2.49 | -4.12 | -1.24 |
| Free Cash Flow Yield | -13.23% | -7.94% | -78.15% | -177.21% | -16.84% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 62.33 | 33.48 | -31.27 | -12.96 | -17.21 |
| Price-to-Sales (P/S) Ratio | 6.31 | 4.37 | 3.25 | 2.36 | 7.66 |
| Price-to-Book (P/B) Ratio | 2.87 | 2.48 | 1.69 | 0.75 | 1.77 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -7.56 | -12.60 | -1.28 | -0.56 | -5.94 |
| Price-to-Operating Cash Flow Ratio | -8.05 | -14.44 | -1.30 | -0.57 | -6.17 |
| Price-to-Earnings Growth (PEG) Ratio | -7.17 | -0.15 | 3.13 | 0.22 | 0.27 |
| Enterprise Value Multiple | 35.68 | 38.55 | -117.11 | -49.99 | -31.68 |
| Enterprise Value | 27.12B | 16.84B | 11.68B | 8.37B | 12.03B |
| EV to EBITDA | 35.68 | 38.55 | -117.11 | -49.99 | -31.68 |
| EV to Sales | 5.69 | 4.55 | 4.03 | 4.75 | 11.06 |
| EV to Free Cash Flow | -6.80 | -13.12 | -1.59 | -1.14 | -8.58 |
| EV to Operating Cash Flow | -7.25 | -15.04 | -1.62 | -1.15 | -8.91 |
| Tangible Book Value Per Share | 7.38 | 4.28 | 3.83 | 3.68 | 6.35 |
| Shareholders’ Equity Per Share | 9.12 | 6.21 | 5.88 | 6.14 | 8.92 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.08 | -1.14 | 0.00 | -0.01 | -0.01 |
| Revenue Per Share | 4.15 | 3.53 | 3.07 | 1.96 | 2.06 |
| Net Income Per Share | 0.42 | 0.47 | -0.32 | -0.36 | -0.92 |
| Tax Burden | 0.92 | 2.14 | 1.00 | 1.01 | 1.01 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.38 | 0.38 | 0.18 | 0.28 | 0.46 |
| Stock-Based Compensation to Revenue | 0.05 | 0.07 | 0.09 | 0.17 | 0.22 |
| Income Quality | -7.78 | -2.25 | 24.03 | 22.65 | 2.79 |
Currency in USD
