SoFi Technologies, Inc. (SOFI) P/E Ratio History
Fairly ValuedTrading at 47.7x, near 5Y avg of 46.2x · 57th percentile · In line with own history · Data 2024–2026
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P/E Ratio Analysis
As of July 7, 2026, SoFi Technologies, Inc. (SOFI) trades at a price-to-earnings ratio of 47.7x, with a stock price of $18.61 and trailing twelve-month earnings per share of $0.42.
The current P/E is roughly in line with its 5-year average of 46.2x. Over the past five years, SOFI's P/E has ranged from a low of 27.7x to a high of 68.4x, placing the current valuation at the 57th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, SOFI trades at a 233% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 160.4x.
Relative to the broader market, SOFI commands a significant premium over the S&P 500 median P/E of 25.6x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SOFI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
SOFI Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
SOFI P/E vs Peers
Student Loan Lending and Servicing peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 16.7 | - | +156% | |
| $3B | 76.3 | 5.31 | +131% | |
| $29B | 571.9 | - | +109% | |
| $5B | 29.3 | - | +223% | |
| $863M | 10.1 | - | +175% | |
| $5B | 7.4 | 0.82 | +29% | |
| $636M | 4.3Lowest | - | +443%Best | |
| $106B | 57.3 | 0.22Best | +31% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
SOFI Historical P/E Data (2024–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $15.88 | $0.44 | 35.9x | -22% |
| FY2025 Q4 | Dec 31 2025 | $26.18 | $0.38 | 68.4x | +48% |
| FY2025 Q3 | - | $26.42 | $0.55 | 47.8x | +4% |
| FY2025 Q2 | Jun 30 2025 | $18.21 | $0.50 | 36.8x | -20% |
| FY2025 Q1 | Mar 31 2025 | $11.63 | $0.42 | 27.7x | -40% |
| FY2024 Q4 | - | $15.40 | $0.38 | 40.3x | -13% |
| FY2024 Q3 | Sep 30 2024 | $7.86 | $0.12 | 66.4x | +44% |
Average P/E for displayed period: 46.2x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
2+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
SOFI — Frequently Asked Questions
Quick answers to the most common questions about buying SOFI stock.
What is SOFI's P/E ratio?
SoFi Technologies, Inc. (SOFI) trailing twelve-month P/E ratio is 47.7x, based on TTM diluted EPS of $0.42. The 5-year average P/E is 46.2x and the historical range spans 27.7x to 68.4x.
Is SOFI stock overvalued or undervalued?
SOFI trades at 47.7x P/E, near its 5-year average of 46.2x. The 57th percentile ranking within the 27.7x–68.4x historical range places valuation within normal bounds.
Is SOFI stock expensive?
SOFI is fairly valued relative to its own history. The current P/E of 47.7x is near the 5-year average of 46.2x (57th percentile of historical range).
What is SOFI's historical P/E range?
Over the past 5 years, SOFI's P/E ratio has ranged from 27.7x to 68.4x, with a median of 40.3x and an average of 46.2x. The current P/E of 47.7x places the stock at the 57th percentile of this range. Full historical data spans 2024–2026.
How does SOFI's P/E compare to the S&P 500?
SOFI trades at 47.7x P/E versus the S&P 500 median of 25.6x. The 86% premium to the market typically reflects higher expected earnings growth or quality.
How does SOFI's valuation compare to Financial Services peers?
SoFi Technologies, Inc. P/E of 47.7x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is SOFI's PEG ratio?
SOFI PEG ratio is N/A, based on a P/E of 47.7x and EPS growth of 0.0%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is SOFI's earnings yield?
SOFI earnings yield is 2.10%, the inverse of its 47.7x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.