Question 1

What is SoFi Technologies's EV/EBITDA ratio?

Accepted Answer

SoFi Technologies (SOFI) EV/EBITDA ratio is 21.3× as of July 22, 2026. The ratio is calculated by dividing enterprise value by trailing twelve-month EBITDA, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the EV/EBITDA ratio calculated?

Accepted Answer

EV/EBITDA = Enterprise Value ÷ Trailing Twelve-Month (TTM) EBITDA, where Enterprise Value = Market Capitalisation + Total Debt − Cash & Short-Term Investments. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the EV/EBITDA ratio?

Accepted Answer

The EV/EBITDA ratio (the enterprise multiple) compares enterprise value (EV) to trailing twelve-month (TTM) EBITDA. EV is calculated as market capitalisation + total debt − cash & short-term investments. Because EV/EBITDA is capital-structure-neutral and ignores non-cash depreciation and amortisation, it is the standard multiple used in M&A and for cross-company or cross-border comparisons. Note: this calculation uses a simplified EV (minority interest and preferred equity excluded due to data availability), consistent with most public financial-data providers.

Question 4

What is a good EV/EBITDA ratio for SoFi Technologies?

Accepted Answer

Mature, cash-generative businesses commonly trade in the 8–12× EV/EBITDA range; higher-growth, asset-light companies often trade at 15–25×+. EV/EBITDA is most useful for comparing companies with different capital structures (debt levels) or tax regimes. For SoFi Technologies specifically, the relevant sector benchmark is the current sector median of 10.2×.

Question 5

Is SoFi Technologies's EV/EBITDA ratio high or low?

Accepted Answer

SoFi Technologies's EV/EBITDA ratio of 21.3× is below its own 5-year average of 49.4× and above the sector median of 10.2×. That places the current reading at the 6th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is SoFi Technologies's historical EV/EBITDA ratio range?

Accepted Answer

In the available daily series, SoFi Technologies (SOFI) EV/EBITDA ratio has ranged from a low of 18.4× in 2026 to a high of 196.7× in 2024. The 5-year average is 49.4× and the 5-year median is 35.7×.

Question 7

What was SoFi Technologies's EV/EBITDA ratio in 2025?

Accepted Answer

SoFi Technologies (SOFI) EV/EBITDA ratio at the end of 2025 was 35.0×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month EBITDA figure available at that date.

Question 8

Why does SoFi Technologies's EV/EBITDA ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (enterprise value, which tracks share price plus net debt) and the denominator (EBITDA). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$32B	$760M	35.0×	-0.8×	Dec 31, 2025
2024	$16.8B	$437M	35.7×	—	Dec 31, 2024
2023	$9.58B	-$99.7M	—	—	Dec 31, 2023
2022	$4.25B	-$167M	—	—	Dec 31, 2022
2021	$12.9B	-$380M	—	—	Dec 31, 2021
2020	$976M	-$259M	—	—	Dec 31, 2020


Arch Capital Group (ACGL)	4.3×
M&T Bank (MTB)	3.8×
1st Source (SRCE)	3.5×
Allstate (ALL)	3.4×
Mercury General (MCY)	3.2×
AXIS Capital Holdings (AXS)	2.2×
Commerce Bancshares (CBSH)	2.2×
American International Group (AIG)	1.9×
United Bankshares (UBSI)	1.7×
Atlantic Union Bankshares (AUB)	1.1×
W. R. Berkley (WRB)	0.2×
KeyCorp (KEY)	-0.4×
Capital One Financial (COF)	-0.5×
Everest Group (EG)	-0.7×
Aflac (AFL)	-1.1×
Northern Trust (NTRS)	-2.6×
Regions Financial (RF)	-3.1×
Principal Financial Group (PFG)	-4.1×
Fifth Third Bank (FITB)	-4.4×
JPMorgan Chase (JPM)	-5.2×
BancFirst (BANF)	-5.5×
Wells Fargo (WFC)	-6.9×
Ames National (ATLO)	-16.7×
Apollo Global Management (APO)	-17.2×
MetLife (MET)	-46.3×

EV/EBITDA for SoFi Technologies (SOFI) 2024-2026

EV/EBITDA daily chart for SoFi Technologies (SOFI)

Historical EV/EBITDA for SoFi Technologies (SOFI) from 2020 to 2025

About EV/EBITDA at SoFi Technologies (SOFI)

SoFi Technologies EV/EBITDA by Year

SoFi Technologies EV/EBITDA 2025: 35.0×

SoFi Technologies EV/EBITDA 2024: 35.7×

Sector peers by EV/EBITDA — chart

Sector peers by EV/EBITDA — table

Frequently asked questions

SoFi Technologies (SOFI) Key Financials