SOFI (SOFI)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$21.20B
EV / Sales3.80
EV / EBITDA22.86
EV / Operating Cash Flow-9.36
EV / Free Cash Flow-8.37

Return Metrics (TTM)

Return on Equity (ROE)6.18%
Return on Assets (ROA)1.04%
Return on Invested Capital (ROIC)6.57%
Return on Capital Employed (ROCE)1.21%

Yield Metrics

Earnings Yield3.04%
Free Cash Flow Yield-12.10%

Balance Sheet Strength

Net Debt / EBITDA0.30
Current Ratio0.00
Working Capital$7.35B
Tangible Asset Value$9.42B
Net Current Asset Value-$42.52B

Working Capital Efficiency

Days Sales Outstanding0.00
Days Payables Outstanding0.00
Operating Cycle (Days)0.00
Cash Conversion Cycle0.00

Capital Allocation

CapEx / Revenue4.76%
CapEx / Operating Cash Flow-11.72%
R&D / Revenue6.79%
SG&A / Revenue37.93%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin75.12%
Operating Margin11.03%
Net Profit Margin10.09%

Solvency

Debt / Equity0.18
Quick Ratio0.24
Cash Ratio0.13

Per Share

Revenue / Share$4.15
FCF / Share-$3.46
PE Ratio62.33