SOFI PE Ratio & Valuation,Is SOFI Overvalued

SOFI Relative Valuation

SOFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SOFI is overvalued; if below, it's undervalued.

Historical Valuation

SoFi Technologies Inc (SOFI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 8.15 is considered Overvalued compared with the five-year average of 13.48. The fair price of SoFi Technologies Inc (SOFI) is between 7.15 to 23.86 according to relative valuation methord. Compared to the current price of 27.00 USD , SoFi Technologies Inc is Overvalued By 13.16%.

Relative Value

Fair Zone

7.15-23.86

Current Price：27.00

13.16%

Overvalued

50.52

NaN

EV/EBITDA

SoFi Technologies Inc. (SOFI) has a current EV/EBITDA of NaN. The 5-year average EV/EBITDA is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBITDA of NaN falls within the range.

NaN

EV/EBIT

SoFi Technologies Inc. (SOFI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

8.15

SoFi Technologies Inc. (SOFI) has a current PS of 8.15. The 5-year average PS is 4.87. The thresholds are as follows: Strongly Undervalued below -1.43, Undervalued between -1.43 and 1.72, Fairly Valued between 8.03 and 1.72, Overvalued between 8.03 and 11.18, and Strongly Overvalued above 11.18. The current Forward PS of 8.15 falls within the Overvalued range.

-11.08

P/OCF

SoFi Technologies Inc. (SOFI) has a current P/OCF of -11.08. The 5-year average P/OCF is 0.99. The thresholds are as follows: Strongly Undervalued below -45.78, Undervalued between -45.78 and -22.40, Fairly Valued between 24.37 and -22.40, Overvalued between 24.37 and 47.75, and Strongly Overvalued above 47.75. The current Forward P/OCF of -11.08 falls within the Historic Trend Line -Fairly Valued range.

35.77

P/FCF

SoFi Technologies Inc. (SOFI) has a current P/FCF of 35.77. The 5-year average P/FCF is 29.33. The thresholds are as follows: Strongly Undervalued below -152.14, Undervalued between -152.14 and -61.40, Fairly Valued between 120.07 and -61.40, Overvalued between 120.07 and 210.81, and Strongly Overvalued above 210.81. The current Forward P/FCF of 35.77 falls within the Historic Trend Line -Fairly Valued range.

SoFi Technologies Inc (SOFI) has a current Price-to-Book (P/B) ratio of 3.77. Compared to its 3-year average P/B ratio of 2.01 , the current P/B ratio is approximately 87.39% higher. Relative to its 5-year average P/B ratio of 1.09, the current P/B ratio is about 246.45% higher. SoFi Technologies Inc (SOFI) has a Forward Free Cash Flow (FCF) yield of approximately -9.16%. Compared to its 3-year average FCF yield of -63.59%, the current FCF yield is approximately -85.60% lower. Relative to its 5-year average FCF yield of -54.42% , the current FCF yield is about -83.17% lower.

3.77

P/B

Median3y

2.01

Median5y

1.09

-9.16

FCF Yield

Median3y

-63.59

Median5y

-54.42

Competitors Valuation Multiple

The average P/S ratio for SOFI's competitors is 3.40, providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI) exhibits a P/S ratio of 8.15, which is 139.99% above the industry average. Given its robust revenue growth of 39.55%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of SOFI increased by 71.10% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 10.59 to 17.42.

The secondary factor is the Revenue Growth, contributed 39.55%to the performance.

Overall, the performance of SOFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

39.55%

573.41M → 800.18M

Revenue Growth

64.49%

10.59 → 17.42

Margin Expansion

-32.94%

75.54 → 50.65

P/E Change

71.10%

15.78 → 27.00

Mkt Cap Growth

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Frequently Asked Questions

Is SoFi Technologies Inc (SOFI) currently overvalued or undervalued?

What is SoFi Technologies Inc (SOFI) fair value?

SOFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of SoFi Technologies Inc (SOFI) is between 7.15 to 23.86 according to relative valuation methord.

How does SOFI's valuation metrics compare to the industry average?

What is the current P/B ratio for SoFi Technologies Inc (SOFI) as of Jan 08 2026?

As of Jan 08 2026, SoFi Technologies Inc (SOFI) has a P/B ratio of 3.77. This indicates that the market values SOFI at 3.77 times its book value.

What is the current FCF Yield for SoFi Technologies Inc (SOFI) as of Jan 08 2026?

As of Jan 08 2026, SoFi Technologies Inc (SOFI) has a FCF Yield of -9.16%. This means that for every dollar of SoFi Technologies Inc’s market capitalization, the company generates -9.16 cents in free cash flow.

What is the current Forward P/E ratio for SoFi Technologies Inc (SOFI) as of Jan 08 2026?

As of Jan 08 2026, SoFi Technologies Inc (SOFI) has a Forward P/E ratio of 50.52. This means the market is willing to pay $50.52 for every dollar of SoFi Technologies Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for SoFi Technologies Inc (SOFI) as of Jan 08 2026?

As of Jan 08 2026, SoFi Technologies Inc (SOFI) has a Forward P/S ratio of 8.15. This means the market is valuing SOFI at $8.15 for every dollar of expected revenue over the next 12 months.

SOFI Valuation