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SoFi Valuation Multiples
Discover revenue and EBITDA valuation multiples for SoFi and similar public comparables like Jio Financial Services, Wise, KakaoBank, Chime and more.
SoFi Overview
About SoFi
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 offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Founded
2021
HQ
Employees
6.1K
Website
Financials (LTM)
EV
$25B
SoFi Financials
SoFi reported last 12-month revenue of $4B and EBITDA of $1B.
In the same LTM period, SoFi generated $3B in gross profit, $1B in EBITDA, and $568M in net income.
Revenue (LTM)
SoFi P&L
In the most recent fiscal year, SoFi reported revenue of $4B and EBITDA of $1B.
SoFi expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $4B | XXX | $4B | XXX | XXX | XXX |
| Gross Profit | $3B | XXX | — | XXX | XXX | XXX |
| Gross Margin | 84% | XXX | — | XXX | XXX | XXX |
| EBITDA | $1B | XXX | $1B | XXX | XXX | XXX |
| EBITDA Margin | 31% | XXX | 29% | XXX | XXX | XXX |
| EBIT Margin | 19% | XXX | 17% | XXX | XXX | XXX |
| Net Profit | $568M | XXX | $481M | XXX | XXX | XXX |
| Net Margin | 15% | XXX | 13% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
SoFi Stock Performance
SoFi has current market cap of $23B, and enterprise value of $25B.
Market Cap Evolution
SoFi's stock price is $18.39.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $25B | $23B | 0.0% | XXX | XXX | XXX | $0.38 |
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Start Free TrialSoFi Valuation Multiples
SoFi trades at 6.6x EV/Revenue multiple, and 21.5x EV/EBITDA.
EV / Revenue (LTM)
SoFi Financial Valuation Multiples
As of March 29, 2026, SoFi has market cap of $23B and EV of $25B.
Equity research analysts estimate SoFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
SoFi has a P/E ratio of 41.3x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $23B | XXX | $23B | XXX | XXX | XXX |
| EV (current) | $25B | XXX | $25B | XXX | XXX | XXX |
| EV/Revenue | 6.6x | XXX | 7.0x | XXX | XXX | XXX |
| EV/EBITDA | 21.5x | XXX | 24.1x | XXX | XXX | XXX |
| EV/EBIT | 35.4x | XXX | 42.2x | XXX | XXX | XXX |
| EV/Gross Profit | 7.9x | XXX | — | XXX | XXX | XXX |
| P/E | 41.3x | XXX | 48.7x | XXX | XXX | XXX |
| EV/FCF | 1561.1x | XXX | (87.9x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified SoFi Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
SoFi Margins & Growth Rates
SoFi's revenue in the last 12 month grew by 28%.
SoFi's revenue per employee in the last FY averaged $0.6M.
SoFi's rule of 40 is 63% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
SoFi's rule of X is 107% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
SoFi Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 28% | XXX | 29% | XXX | XXX | XXX |
| EBITDA Margin | 31% | XXX | 29% | XXX | XXX | XXX |
| EBITDA Growth | 44% | XXX | 50% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 63% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 107% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.6M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 30% | XXX | 30% | XXX | XXX | XXX |
| G&A Expenses to Revenue | 19% | XXX | 19% | XXX | XXX | XXX |
| R&D Expenses to Revenue | 18% | XXX | — | XXX | XXX | XXX |
| Opex to Revenue | 83% | XXX | — | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
SoFi Public Comps
See public comps and valuation multiples for other Neobanking and Online Lending comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Jio Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| Wise | XXX | XXX | XXX | XXX | XXX | XXX |
| KakaoBank | XXX | XXX | XXX | XXX | XXX | XXX |
| Chime | XXX | XXX | XXX | XXX | XXX | XXX |
| PB Fintech | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
SoFi M&A Activity
SoFi acquired XXX companies to date.
Last acquisition by SoFi was on XXXXXXXX, XXXXX. SoFi acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by SoFi
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialSoFi Investment Activity
SoFi invested in XXX companies to date.
SoFi made its latest investment on XXXXXXXX, XXXXX. SoFi invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by SoFi
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout SoFi
| When was SoFi founded? | SoFi was founded in 2021. |
| Where is SoFi headquartered? | SoFi is headquartered in United States. |
| How many employees does SoFi have? | As of today, SoFi has over 6K employees. |
| Who is the CEO of SoFi? | SoFi's CEO is Anthony J. Noto. |
| Is SoFi publicly listed? | Yes, SoFi is a public company listed on Nasdaq. |
| What is the stock symbol of SoFi? | SoFi trades under SOFI ticker. |
| When did SoFi go public? | SoFi went public in 2021. |
| Who are competitors of SoFi? | SoFi main competitors are Jio Financial Services, Wise, KakaoBank, Chime. |
| What is the current market cap of SoFi? | SoFi's current market cap is $23B. |
| What is the current revenue of SoFi? | SoFi's last 12 months revenue is $4B. |
| What is the current revenue growth of SoFi? | SoFi revenue growth (NTM/LTM) is 28%. |
| What is the current EV/Revenue multiple of SoFi? | Current revenue multiple of SoFi is 6.6x. |
| Is SoFi profitable? | Yes, SoFi is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of SoFi? | SoFi's last 12 months EBITDA is $1B. |
| What is SoFi's EBITDA margin? | SoFi's last 12 months EBITDA margin is 31%. |
| What is the current EV/EBITDA multiple of SoFi? | Current EBITDA multiple of SoFi is 21.5x. |
| What is the current FCF of SoFi? | SoFi's last 12 months FCF is $16M. |
| What is SoFi's FCF margin? | SoFi's last 12 months FCF margin is 0%. |
| What is the current EV/FCF multiple of SoFi? | Current FCF multiple of SoFi is 1561.1x. |
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