SOFI
SoFi Technologies
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: SOFI
- PE Ratio
As of Jun 5, 2026, the SoFi Technologies stock's PE ratio is 32.71. This takes into account the latest EPS of $0.49 and stock price of $16.03. The PE ratio has decreased by 25% from its last 4 quarters average of 43.5.
SOFI PE ratio history
The PE ratio of SoFi Technologies has averaged 39.22 over the last two years. The current price-to-earnings ratio of 32.71 is 17% less than the historical average. Analyzing the last two years, SOFI's PE ratio reached its highest point in the Dec 2025 quarter at 62.33, when the price was $26.18 and the EPS was $0.42. The lowest point was recorded in the Mar 2025 quarter, when it reached 25.84 with a price of $11.63 and an EPS of $0.45.
SoFi Technologies PE ratio by year
Maximum annual increase: 86.17% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 62.33 | 86.17% | $26.18 | $0.42 |
| 2024 | 33.48 | N/A | $15.4 | $0.46 |
| 2023 | N/A | N/A | $9.95 | -$0.36 |
| 2022 | N/A | N/A | $4.61 | -$0.4 |
| 2021 | N/A | N/A | $15.81 | -$1 |
| 2020 | N/A | N/A | $12.44 | -$4.3 |
| 2019 | N/A | N/A | N/A | -$4.02 |
| 2018 | N/A | N/A | N/A | -$7.19 |
SoFi Technologies PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 32.41 | -48% | $15.88 | $0.49 |
| Dec 2025 | 62.33 | 39.19% | $26.18 | $0.42 |
| Sep 2025 | 44.78 | 30.33% | $26.42 | $0.59 |
| Jun 2025 | 34.36 | 32.97% | $18.21 | $0.53 |
| Mar 2025 | 25.84 | -22.82% | $11.63 | $0.45 |
| Dec 2024 | 33.48 | -19.07% | $15.4 | $0.46 |
| Sep 2024 | 41.37 | N/A | $7.86 | $0.19 |
| Jun 2024 | N/A | N/A | $6.61 | -$0.16 |
| Mar 2024 | N/A | N/A | $7.3 | -$0.23 |
| Dec 2023 | N/A | N/A | $9.95 | -$0.36 |
| Sep 2023 | N/A | N/A | $7.99 | -$0.45 |
| Jun 2023 | N/A | N/A | $8.34 | -$0.25 |
| Mar 2023 | N/A | N/A | $6.07 | -$0.31 |
| Dec 2022 | N/A | N/A | $4.61 | -$0.4 |
| Sep 2022 | N/A | N/A | $4.88 | -$0.41 |
SOFI Price vs fair value
SOFI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of SOFI is under its 3 and 5-year averages.
PE comparison
With a price to earnings (P/E) of 32.71, SOFI stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 12.43, SoFi Technologies's price to earnings (P/E) is 163% higher.
SOFI PE vs peers
SOFI's PE ratio is above its peer stock RM.
| Stock name | PE ratio | Market cap |
|---|---|---|
| RM Regional Management Corp | 6.87 | $330.85M |
| SOFI SoFi Technologies Inc | 32.71 | $20.56B |
Frequently asked questions
What is SoFi Technologies's PE ratio?
The price to earnings ratio for SOFI stock is 32.71 as of Jun 5, 2026.
What is the 3-year average PE ratio for SoFi Technologies (SOFI)?
The average PE ratio for SOFI stock over the past 3 years is 39.22.
What is the 5-year average PE ratio for SoFi Technologies (SOFI)?
The average PE ratio for SOFI stock over the past 5 years is 39.22.
What is the highest PE ratio for SOFI?
Over the last two years, the Dec 2025 quarter recorded the highest quarterly PE ratio at 62.33.
How does the current PE ratio for SOFI compare to its historical average?
SOFI's price to earnings ratio is currently 17% below its 2-year historical average.
How is SOFI's PE ratio calculated (SoFi Technologies PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 5, 2026), SoFi Technologies's share price is $16.03. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.49. Therefore, SoFi Technologies's price to earnings ratio for today is 32.71. PE RATIO(32.71) = STOCK PRICE($16.03) / TTM EPS($0.49)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.