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Friday 6 November 2026 Export SOFI’s income statement to Excel — free account

SoFi Technologies, Inc.

SOFI Financial Credit Services

SoFi Technologies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 26.6% from fiscal 2024.

Revenue
+41.9%
EPS
+58.3%
Free cash flow
−120.0%
Total debt
+42.3%

Quarter to September 2026, against a year earlier

16.28 0.24 +1.50%
Market cap
$20.8B
P/E
27.8×
Fwd P/E
27.5×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

SoFi Technologies, Inc. (SOFI) valuation and DCF model

What the price implies · reverse DCF

SoFi Technologies, Inc. is not valued here: a bank or insurer is valued on its dividend, and it pays none.

Valuation against its own history

Today’s multiple against its 5- and 10-year averages and the industry median (Credit Services).

Multiple Current 5Y avg 10Y avg vs 10Y avg Industry median vs industry 10Y range
P/E 27.83× 41.72× 41.72× 33% below 8.96× 210% above
P/B 1.85× 1.94× 11,977.23× 100% below 1.23× 50% above
EV/Sales — 5.72× 5.72× — 3.90× —
P/E P/B EV/Sales
29.23×40.03×50.84×61.64×10Y avg 41.72×202420252026

SOFI trades at 27.83× P/E, against a 10-year average of 41.72× (range 27.83×–63.85×). That is cheaper than 100% of the last 2 year-end readings; re-rating to the average implies $24.40 per share.

Every growth rate on this page is the business’s — its cash flow, FFO or dividend — never its share price’s. A discounted-cash-flow model is only as good as its assumptions. Figures from the 10-K and 10-Q filings. Not investment advice.