SoFi Technologies, Inc. Common Stock (SOFI) Valuation
Historical valuation analysis based on 500 data points (2024-09-27 to 2026-09-25)
SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offering...
SoFi Technologies, Inc. Common Stock (SOFI) currently trades at a P/E ratio of 39.97 (historical range: 23.38–92.75, median: 45.38), placing it at the 29th percentile — below its historical average, P/S ratio of 5.85 (range: 3.22–11.83, 28th percentile — below its historical average).
Over the historical period (2024-09-27 to 2026-09-25), SoFi Technologies, Inc. Common Stock's P/E ratio has contracted by 19% over the observed period (from an average of 55.2 to 44.5).
SoFi Technologies, Inc. Common Stock trades below its historical valuation range, with most metrics below their median levels.
Historical Valuation Metrics
| Metric | Current | Min | Median | Max | Percentile | Assessment |
|---|---|---|---|---|---|---|
| P/E Ratio | 39.97 | 23.38 | 45.38 | 92.75 | 29th | below its historical average |
| P/S Ratio | 5.85 | 3.22 | 6.47 | 11.83 | 28th | below its historical average |
SoFi Technologies, Inc. Common Stock (SOFI) Valuation & P/E History
SoFi Technologies, Inc. Common Stock (SOFI) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry currently trading at $16.65 with a market capitalization of $21.5 billion. This page provides historical valuation analysis for SOFI based on 500 data points covering 2024-09-27 to 2026-09-25. The P/E ratio of 39.97 is below the historical median of 45.38, placing SOFI at the 29th percentile of its valuation range. The P/S ratio of 5.85 compares to a median of 6.47.
SOFI Valuation Metrics & Historical Range
The valuation table above shows SoFi Technologies, Inc. Common Stock's current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether SOFI is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests SOFI is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for SoFi Technologies, Inc. Common Stock.
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is SOFI Overvalued or Undervalued?
SoFi Technologies, Inc. Common Stock trades below its historical valuation range, with most metrics below their median levels. The overall valuation percentile of 29 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive SOFI is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full SOFI analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.SOFI trades on NYSE. This page is for informational purposes only and is not financial advice.