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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.
2021
5K+
LTM Revenue $2.8B
LTM EBITDA $724M
$15.1B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
SoFi has a last 12-month revenue of $2.8B and a last 12-month EBITDA of $724M.
In the most recent fiscal year, SoFi achieved revenue of $2.6B and an EBITDA of n/a.
SoFi expects next 12-month revenue of XXX and NTM EBITDA of XXX
See SoFi valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $2.1B | $2.6B | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | -$320M | -$301M | XXX | XXX | XXX |
| Net Margin | -15% | -12% | XXX | XXX | XXX |
| Net Debt | $4.1B | $2.2B | XXX | XXX | XXX |
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As of April 15, 2025, SoFi's stock price is $11.
SoFi has current market cap of $11.9B, and EV of $15.1B.
See SoFi trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $15.1B | $11.9B | XXX | XXX | XXX | XXX | $0.35 |
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Sign UpAs of April 15, 2025, SoFi has market cap of $11.9B and EV of $15.1B.
SoFi's trades at 5.4x LTM EV/Revenue multiple, and 20.8x LTM EBITDA.
Analysts estimate SoFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for SoFi and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $15.1B | XXX | XXX | XXX |
| EV/Revenue | 5.8x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 23.8x | XXX | XXX | XXX |
| P/E/Growth | 2.5x | XXX | XXX | XXX |
| EV/FCF | -11.7x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpSoFi's NTM/LTM revenue growth is 22%
SoFi's revenue per employee for the last fiscal year averaged $0.5M, while opex per employee averaged n/a for the same period.
Over next 12 months, SoFi's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate SoFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for SoFi and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 24% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.5M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 30% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 23% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| BMTX | XXX | XXX | XXX | XXX | XXX | XXX |
| Change Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Fino Payments Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| One97 Communications | XXX | XXX | XXX | XXX | XXX | XXX |
| NAGA Group | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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SoFi acquired XXX companies to date.
Last acquisition by SoFi was XXXXXXXX, XXXXX XXXXX XXXXXX . SoFi acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was SoFi founded? | SoFi was founded in 2021. |
| Where is SoFi headquartered? | SoFi is headquartered in United States of America. |
| How many employees does SoFi have? | As of today, SoFi has 5K+ employees. |
| Who is the CEO of SoFi? | SoFi's CEO is Mr. Anthony J. Noto. |
| Is SoFi publicy listed? | Yes, SoFi is a public company listed on NAS. |
| 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? | Similar companies to SoFi include e.g. BMTX, Change Financial, Fino Payments Bank, One97 Communications. |
| What is the current market cap of SoFi? | SoFi's current market cap is $11.9B |
| What is the current revenue of SoFi? | SoFi's last 12-month revenue is $2.8B. |
| What is the current EBITDA of SoFi? | SoFi's last 12-month EBITDA is $724M. |
| What is the current EV/Revenue multiple of SoFi? | Current revenue multiple of SoFi is 5.4x. |
| What is the current EV/EBITDA multiple of SoFi? | Current EBITDA multiple of SoFi is 20.8x. |
| What is the current revenue growth of SoFi? | SoFi revenue growth between 2023 and 2024 was 24%. |
| Is SoFi profitable? | Yes, SoFi is EBITDA-positive (as of the last 12 months). |
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