SoFi Technologies, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from SoFi Technologies, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 36% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 8% of profit over the same period. Bigger rise in share count than 85% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$39Sales grew 130% in 3 years; of every extra $100 of sales, $39 became extra profit.
Higher than 66% of Financial Services companies in United States.
Asset Productivity Ratio
+130% / +167%In 3 years sales changed by +130% while total assets changed by +167%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
96%Of every $100 the company owns, $96 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 68% of Financial Services companies in United States.
Tangible Net Worth Ratio
81%Of every $100 of net worth, $81 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 55% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
SoFi Technologies, Inc. owes $0.82 for every $1 it owns. Net profit fell 3% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
29.8Investors pay $29.8 for every $1 of SoFi Technologies, Inc.'s yearly profit, higher than 87% of Financial Services companies in United States.
P/B ratio
1.70The share price is 1.70 times SoFi Technologies, Inc.'s book value per share, higher than 74% of Financial Services companies in United States.
Market cap
$18.9 BThe total market value of all of SoFi Technologies, Inc.'s shares at today's price (share price × number of shares), larger than 91% of Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$11.1 BWhat SoFi Technologies, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$8.58Net worth divided by the number of shares. The share price of $14.61 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
7.1%SoFi Technologies, Inc. earned 7.1% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
Owes vs Owns
0.82×SoFi Technologies, Inc. owes $0.82 for every $1 it owns (high), lower than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneSoFi Technologies, Inc. does not currently pay a dividend.
Revenue growth
+38%Revenue rose 38% in the year to Dec 2025, and grew 32% a year on average over 3 years.
Profit growth
-3%Net profit fell 3% in the year to Dec 2025.
Profit margin
13.3%SoFi Technologies, Inc. keeps $13 of every $100 of revenue as net profit.
Questions
What is SoFi Technologies, Inc.'s P/E ratio?
Investors pay $29.8 for every $1 of SoFi Technologies, Inc.'s yearly profit, higher than 87% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For SoFi Technologies, Inc.: $18.9 B ÷ $11.1 B (30 Jun 2026) = 1.7.
What is SoFi Technologies, Inc.'s return on equity?
SoFi Technologies, Inc. earned 7.1% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
How much does SoFi Technologies, Inc. owe compared with what it owns?
SoFi Technologies, Inc. owes $0.82 for every $1 it owns (high), lower than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does SoFi Technologies, Inc. pay a dividend?
No. SoFi Technologies, Inc. does not currently pay a dividend.
Is SoFi Technologies, Inc.'s revenue growing?
Revenue rose 38% in the year to Dec 2025, and grew 32% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.