SoFi (SOFI) Stock Analysis

November 11, 2026

This is a peer-relative look at SoFi (SOFI): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for SoFi (SOFI)
Profile Item	SOFI
Name	SoFi Technologies, Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Financial Services
GICS Industry	Consumer Finance
GICS Sub-Industry	Consumer Finance
Market Capitalization	21.04 billion USD
Currency	USD
Exchange	Nasdaq
Listing Date	January 4, 2021
Security Type	Common Stock

Price Performance

Cumulative Growth

SOFI

GSPC

SoFi (SOFI) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for SoFi (SOFI) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for SoFi (SOFI) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Total Return (1Y)	-40.42%	1.90%
Total Return (3Y, Annualized)	34.88%	12.71%
Total Return (5Y, Annualized)	-5.36%	2.81%

Risk Profile

Drawdown History

SOFI

GSPC

SoFi (SOFI) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for SoFi (SOFI) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Volatility (1Y, Annualized)	55.56%	36.24%
Beta (5Y)	2.22	1.04
Max Drawdown (5Y)	-81.28%	-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. SOFI is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Sharpe Ratio (1Y)	-0.80	-0.09
Sortino Ratio (1Y)	-1.09	-0.13

Profitability

ROE (TTM)

SoFi (SOFI) posts ROE of 7.35%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

SOFI

Financial Services industry group

7.35%

Group distribution

Max: 44.78%
Q3: 21.85%
Median: 12.91%
SOFI: 7.35%
Q1: 4.48%
Min: -18.71%

Largest peers

MA: 231.37%
V: 63.51%
MS: 18.04%
GS: 17.71%
BRK.A: 12.12%
BRK.B: 12.12%
SOFI: 7.35%

Where SoFi (SOFI) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

SoFi (SOFI) keeps 15.75% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

SOFI

Financial Services industry group

15.75%

Group distribution

Max: 62.84%
Q3: 28.05%
SOFI: 15.75%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Largest peers

V: 51.20%
MA: 46.73%
GS: 31.21%
MS: 25.63%
BRK.A: 22.30%
BRK.B: 22.30%
SOFI: 15.75%

Where SoFi (SOFI) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

SoFi (SOFI) turns 23.19% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

SOFI

Financial Services industry group

23.19%

Group distribution

Max: 107.33%
Q3: 55.90%
Median: 30.09%
SOFI: 23.19%
Q1: 14.60%
Min: -44.34%

Largest peers

V: 63.73%
MA: 60.53%
MS: 39.00%
GS: 38.37%
BRK.A: 32.56%
BRK.B: 32.56%
SOFI: 23.19%

Where SoFi (SOFI) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
ROE (TTM)	7.35%	12.91%
ROA (TTM)	1.31%	3.60%
Net Margin (TTM)	15.75%	15.36%
Operating Margin (TTM)	23.19%	30.09%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

SoFi (SOFI) grew revenue 38.32%, in the upper peer quartile. The top line is expanding faster than at most industry peers, which points to share gains or stronger pricing.

SoFi (SOFI): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

SoFi (SOFI) grew earnings per share 0.00%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

SoFi (SOFI): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Revenue Growth (YoY)	38.32%	9.46%
Revenue Growth (3Y CAGR)	31.93%	10.90%
EPS Growth (YoY)	0.00%	7.46%
EPS Growth (3Y CAGR)	--	13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for SoFi (SOFI) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for SoFi (SOFI) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

SoFi (SOFI) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

SOFI

Financial Services industry group

0.00%

Group distribution

Max: 9.77%
Q3: 3.92%
Median: 1.09%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

MS: 2.40%
GS: 2.07%
V: 0.66%
MA: 0.53%
SOFI: 0.00%
BRK.A: 0.00%
BRK.B: 0.00%

Where SoFi (SOFI) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

SoFi (SOFI) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

SOFI

Financial Services industry group

0.00%

Group distribution

Max: 241.07%
Q3: 97.36%
Median: 25.77%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

MS: 32.91%
GS: 25.88%
V: 21.75%
MA: 17.63%
SOFI: 0.00%
BRK.A: 0.00%
BRK.B: 0.00%

Where SoFi (SOFI) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
Dividend Yield (TTM)	0.00%	1.09%
Dividend Payout Ratio (TTM)	0.00%	25.77%

Valuation

P/E Ratio (TTM)

SoFi (SOFI) trades at P/E ratio of 29.47, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

SOFI

Financial Services industry group

29.47

Group distribution

Max: 45.85
SOFI: 29.47
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Largest peers

V: 34.31
MA: 34.15
SOFI: 29.47
MS: 14.39
BRK.A: 14.36
BRK.B: 14.36
GS: 12.45

Where SoFi (SOFI) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

SoFi (SOFI) trades at 4.49 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

SOFI

Financial Services industry group

4.49

Group distribution

Max: 9.23
Q3: 4.57
SOFI: 4.49
Median: 2.72
Q1: 1.28
Min: -0.55

Largest peers

V: 17.18
MA: 15.67
SOFI: 4.49
MS: 3.55
GS: 3.52
BRK.A: 3.18
BRK.B: 3.18

Where SoFi (SOFI) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

SoFi (SOFI) trades at 1.86 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

SOFI

Financial Services industry group

1.86

Group distribution

Max: 7.79
Q3: 3.63
SOFI: 1.86
Median: 1.57
Q1: 0.81
Min: -0.39

Largest peers

MA: 84.30
V: 22.05
MS: 2.65
GS: 2.36
SOFI: 1.86
BRK.A: 1.72
BRK.B: 0.00

Where SoFi (SOFI) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

SoFi (SOFI) metric values compared with Financial Services industry-group medians
Metric	Current stock: SOFI	Industry group median
P/E Ratio (TTM)	29.47	15.37
P/S Ratio (TTM)	4.49	2.72
P/B Ratio (MRQ)	1.86	1.57
Free Cash Flow Yield (TTM)	--	--