US · USD
SOFI
SoFi Technologies Inc.
- Day's range
- $15.74 – $16.19
- Day's volume
- $678.9M
- 52-week range
- $15.15 – $32.21
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Create a free accountSOFI in numbers
- Market cap
- $20.6B
- P/E
- 32.32
- P/B
- 1.86
- Dividend yield (12m)
- 0.00%
SOFI trades at 32.32 times its earnings of the last 12 months.
SOFI price history
SOFI risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | -46.43% | +118.38% | -7.44% |
| Volatility (annualized) | 35.56% | 59.91% | 64.63% |
| Largest drawdown | -47.11% | -47.11% | -73.20% |
| Positive months | 5/12 | 21/36 | 29/60 |
How much did investing in SOFI return?
$1,000.00 invested on 11/01/2021 would be worth $925.58 today.
- Value today in SOFI
- $925.58
- Return over the period
- -7.44%
- Return per year
- -1.56%
- In the S&P 500
- $1,702.20
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
SOFI fundamentals
Valuation
- P/E32.32
- P/B1.86
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue33.70
- P/EBIT—
- P/S33.70
- P/OCF-2.42
- P/FCF—
- Earnings yield—
- PEG ratio—
- Earnings per share$0.49
- Book value per share$8.58
Efficiency
- Gross margin-13.79%
- EBITDA margin—
- Operating margin—
- Net margin104.28%
- Asset turnover0.01
Profitability
- ROE5.74%
- ROA1.04%
- ROIC—
- Payout0.00%
Growth
- Revenue CAGR (5 years)25.26%
- Earnings CAGR (5 years)—
- Revenue growth (year)—
- Earnings growth (year)—
- Revenue growth (quarter)—
- Earnings growth (quarter)—
What is SOFI's fair price?
Two classic value formulas, with today's numbers. The current price is $15.92.
- Graham's fair price
- $9.75
- 38.76% below the price
√(22.50 × $0.49 × $8.58)
Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.
- Bazin's ceiling price
- —
- Does not apply to SOFI: it paid no distributions in the last five years.
Décio Bazin only bought stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.
Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.
SOFI's indicators by year
Multiples at each year's closing price; margins and returns from that year's statements.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| P/E | 69.36 | 33.86 | -32.32 | -13.45 | -27.07 | — | — |
| P/B | 3.18 | 2.59 | 1.86 | 0.83 | 2.99 | — | — |
| Earnings per share | $0.38 | $0.45 | -$0.31 | -$0.34 | -$0.58 | — | — |
| Book value per share | $8.23 | $5.95 | $5.36 | $5.57 | $5.28 | — | — |
| ROE | 4.59% | 7.64% | -5.75% | -6.15% | -11.06% | 186.53% | 70.69% |
| Gross margin | 1.67% | 8.25% | 9.84% | 16.94% | -3.74% | -73.13% | -2,473.61% |
| Net margin | 77.71% | 99.11% | -71.36% | -84.97% | -195.36% | -216.83% | -5,303.03% |
SOFI's financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | $619.4M | $503.1M | $421.5M | $377.1M | $247.7M | $103.3M |
| Cost of revenue | -$609M | -$461.6M | -$380M | -$313.2M | -$257M | -$178.9M |
| Gross profit | $10.4M | $41.5M | $41.5M | $63.9M | -$9.3M | -$75.6M |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Financial result | — | — | — | — | — | — |
| Income before tax | $525.9M | $233.3M | -$301.2M | -$318.7M | -$481.2M | -$328.5M |
| Income tax | -$44.5M | $265.3M | $416K | -$1.7M | -$2.8M | $104.5M |
| Net income | $481.3M | $498.7M | -$300.7M | -$320.4M | -$483.9M | -$224.1M |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
Does SOFI pay dividends?
SOFI has no distributions on record.
About Sofi Technologies
- Sector
- Finance, insurance and real estate
Questions about SOFI
How much is SOFI today?
SOFI is at $15.92 (0.95% on the day), last traded on 10/05/2026.
What are the P/E and P/B of SOFI?
SOFI trades at a P/E of 32.32 and a P/B of 1.86.
How much did SOFI return in 12 months?
SOFI returned -46.43% in 12 months, with annualized volatility of 35.56% and a largest drawdown of -47.11%.