SoFi Technologies, Inc. Financial Ratios — SOFI Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	-7.53	-6.53	8.2	5.66
Return on Assets (%)	- -	- -	-2.83	-5.46	-2.27	-1.23	1.5	1.11
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	4.35
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-94.05	-54.13	-58.09	-48.86	-20.26	-14.28	8.93	14.55
Profit Margin (%)	-93.69	-54.15	-39.62	-49.14	-20.36	-14.27	19.09	13.32
Net Income to Common Margin (%)	-93.69	-59.55	-46.79	-53.24	-22.93	-16.18	18.46	13.32
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	8.47
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	-7.53	-6.53	8.2	5.66

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	5,085	5,057	4,195	5,634	5,363	3,204	1,935
ST Debt	- -	161	486	498	486	486	486	486
LT Debt	- -	4,924	4,571	3,697	5,148	4,877	2,718	1,449
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-4.65	-1.4	47.7	27.4	17.41	18	20.71
Long-Term Debt/Equity (%)	- -	234.4	149.69	78.69	93.12	87.79	41.66	13.81
Long-Term Debt/Capital (%)	- -	68.52	56.36	41.57	46.12	44.67	27.94	11.66
Long-Term Debt/Total Assets (%)	- -	67.55	53.38	40.29	27.09	16.21	7.5	2.86
Total Debt/Equity (%)	- -	242.06	165.61	89.29	101.92	96.54	49.11	18.44
Total Debt/Capital (%)	- -	70.77	62.35	47.17	50.47	49.12	32.93	15.57
Total Debt/Total Assets (%)	- -	69.76	59.05	45.71	29.64	17.83	8.84	3.82
Net Debt to Equity	- -	212.35	132.46	75.5	73.82	38.81	8.51	-29.68
Net Debt/Capital (%)	- -	66.72	55.88	42.24	41.9	27.52	7.72	-41.55
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-4.65	-1.4	47.7	27.4	17.41	18	20.71
Long-Term Debt/Equity (%)	- -	234.4	149.69	78.69	93.12	87.79	41.66	13.81
Long-Term Debt/Capital (%)	- -	68.52	56.36	41.57	46.12	44.67	27.94	11.66
Long-Term Debt/Total Assets (%)	- -	67.55	53.38	40.29	27.09	16.21	7.5	2.86
Total Debt/Equity (%)	- -	242.06	165.61	89.29	101.92	96.54	49.11	18.44
Total Debt/Capital (%)	- -	70.77	62.35	47.17	50.47	49.12	32.93	15.57
Total Debt/Total Assets (%)	- -	69.76	59.05	45.71	29.64	17.83	8.84	3.82
CFO/Total Liabilities	- -	-1.05	-8.7	-30.15	-53.83	-29.47	-3.77	-9.32
CFO/CapEx	74.53	-1.46	-19.53	-25.84	-77.85	-64.87	-7.26	-15.44
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	31.93	18.1	14.8	14.2	6.9	4.88
Days Sales Outstanding	- -	- -	11.43	20.16	24.65	25.7	52.91	74.8
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	13,090	4,265	9,784	17,101	33,174
- Cash & Cash Equivalents	- -	499	873	495	1,422	3,085	2,538	4,929
+ Preferred Equity and Hybrid Capital	- -	2,440	3,174	320	320	320	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5,085	5,057	4,195	5,634	5,363	3,204	1,935
Enterprise Value	- -	- -	- -	16,915	8,759	11,881	15,963	27,748
Total Capital	- -	7,186	8,111	8,892	11,163	10,918	9,729	12,424
Total Debt/Capital (%)	- -	70.77	62.35	47.17	50.47	49.12	32.93	15.57
Total Debt / EV	- -	- -	- -	0.25	0.64	0.45	0.2	0.07
EV/Sales	- -	- -	- -	17.17	5.57	5.64	6.11	7.68
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	8,325	4,115	9,474	17,195	32,683
Diluted Enterprise Value	- -	- -	- -	12,151	8,608	11,572	16,057	27,257
EV per Share	- -	- -	- -	20.42	9.38	12.17	14.57	21.84
TTM Sales	269	443	566	985	1,574	2,108	2,612	3,613
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	-3,742
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	-3,985

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	-5.94	-0.56	-1.29	-13.5	-8.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	16,915	8,759	11,881	15,963	27,748
Low Price	- -	- -	- -	13.69	4.28	4.48	6.19	8.78
EV/Sales	- -	- -	- -	17.17	5.57	5.64	6.11	7.68
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	34.01	62.39
Price/Earnings Average	- -	- -	- -	- -	- -	- -	19.22	47.63
Price/Earnings High	- -	- -	- -	- -	- -	- -	37.44	78.3
Price/Earnings Low	- -	- -	- -	- -	- -	- -	13.48	20.98
Price/Book Value	- -	- -	- -	2.99	0.82	1.87	2.62	3.16
Price/Book Value Average	- -	- -	- -	3.39	1.33	1.37	1.48	2.41
Price/Book Value High	- -	- -	- -	4.58	2.97	2.17	2.89	3.97
Price/Book Value Low	- -	- -	- -	2.59	0.77	0.84	1.04	1.06
Price/Tangible Book Value	- -	- -	- -	4.33	1.43	2.97	3.81	3.91
Price/Tangible Book Value Average	- -	- -	- -	4.9	2.31	2.18	2.15	2.98
Price/Tangible Book Value High	- -	- -	- -	6.62	5.17	3.45	4.19	4.91
Price/Tangible Book Value Low	- -	- -	- -	3.75	1.33	1.33	1.51	1.31
Price/Sales	- -	- -	- -	8.45	2.61	4.49	6.28	8.31
Price/Sales Average	- -	- -	- -	9.58	4.23	3.29	3.55	6.34
Price/Sales High	- -	- -	- -	12.94	9.48	5.22	6.91	10.43
Price/Sales Low	- -	- -	- -	7.32	2.45	2.01	2.49	2.8
Price/Cash Flow	- -	- -	- -	-6.17	-0.57	-1.31	-14.64	-8.02
Price/Cash Flow Average	- -	- -	- -	-6.99	-0.92	-0.96	-8.28	-6.13
Price/Cash Flow High	- -	- -	- -	-9.44	-2.06	-1.52	-16.12	-10.07
Price/Cash Flow Low	- -	- -	- -	-5.34	-0.53	-0.59	-5.81	-2.7
Price/Free Cash Flow Average	- -	- -	- -	-6.73	-0.91	-0.95	-7.63	-6.26
Price/Free Cash Flow High	- -	- -	- -	-9.08	-2.03	-1.5	-14.86	-10.29
Price/Free Cash Flow Low	- -	- -	- -	-5.14	-0.52	-0.58	-5.35	-2.76
EV/Sales Average	- -	- -	- -	18.95	7.24	4.4	3.26	5.51
EV/Sales High	- -	- -	- -	24.22	12.69	6.39	6.77	10.02
EV/Sales Low	- -	- -	- -	15.39	5.39	3.07	2.16	1.59
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	15.81	4.57	10.03	15.61	26.11
High Price	- -	- -	- -	24.19	16.57	11.65	17.19	32.77
Enterprise Value Average	- -	- -	- -	18,664	11,395	9,269	8,529	19,901
Enterprise Value High	- -	- -	- -	23,855	19,963	13,465	17,691	36,207
Enterprise Value Low	- -	- -	- -	15,161	8,486	6,469	5,642	5,732

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	81	811	811	828	934	976	1,095	1,271
Diluted Weighted Avg Shares	116	116	116	527	901	945	1,101	1,252
Basic Weighted Avg Shares	116	116	116	527	901	945	1,050	1,150
Revenue per Share	2.32	3.81	4.87	1.87	1.75	2.23	2.49	3.14
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-2.17	-2.27	-2.28	-1	-0.4	-0.36	0.46	0.42
Basic EPS from Cont Ops	-2.17	-2.06	-1.93	-0.92	-0.36	-0.32	0.47	0.42
Diluted EPS, GAAP	-2.17	-2.27	-2.28	-1	-0.4	-0.36	0.44	0.38
Diluted EPS from Cont Ops	-2.17	-2.06	-1.93	-0.92	-0.36	-0.32	0.45	0.38
Dividend per Share	- -	0.21	0.35	0.08	0.04	0.04	0.02	- -
Cash Flow per Share	8.81	-0.47	-4.13	-2.56	-8.05	-7.65	-1.07	-3.25
Free Cash Flow per Basic Share	8.69	-0.79	-4.34	-2.66	-8.16	-7.77	-1.21	-3.46
Cash & Equivalents per Share	- -	0.62	1.08	0.83	1.56	3.67	3.96	5.79
Book Value per Share	- -	-0.42	-0.15	5.29	5.58	5.36	5.96	8.26
Tangible Book Value per Share	- -	-0.7	-1.88	3.65	3.2	3.38	4.1	6.68