SOFICAUTIOUS

SOFI Debt-to-Equity Ratio Analysis

0.30x

Higher than 28% of Financial Services sector peers

Updated 199h ago·SEC filings & market data

Key Takeaway

SoFi’s debt-to-equity ratio of 0.30x means the company uses 30 cents of debt for every $1 of shareholders’ equity — a measure of financial leverage.

Sector Performance

28th percentile

SOFI

0.30x

Sector Median

0.46x

Sector Avg

0.94x

Prior Period

0.17x(Aug 2026)

↓ Declining

📊

Deep Analysis

SoFi’s debt-to-equity ratio of 0.30x means the company uses 30 cents of debt for every $1 of shareholders’ equity — a measure of financial leverage.

That level sits below the sector median of 0.52x, placing SoFi in the 31st percentile among Financial Services peers, meaning it carries less debt than most. Trend data is limited: the year-over-year change is N/A, but the quarter-over-quarter change shows a sharp rise of +76.5% from the prior value of 0.17x to 0.30x. The combination of a still-low ratio and a fast upward move implies that leverage is increasing quickly, which could raise financial risk even though the starting point is conservative. This dynamic supports the overall CAUTIOUS verdict directly — the low level offers some buffer, but the rapid quarter-over-quarter increase suggests debt is being added faster than equity, warranting caution.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about SOFI?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

How does SOFI's Debt-to-Equity Ratio compare to its sector?

SOFI's Debt-to-Equity Ratio of 0.30x compares to a Financial Services sector median of 0.46x, placing it in the 28th percentile.

Who are SOFI's closest peers by Debt-to-Equity Ratio?

The closest Financial Services peers by Debt-to-Equity Ratio include: HSBC (0.52x), AIZ (0.38x), AMP (0.53x), RJF (0.35x), AFL (0.35x).

📚

Learn More About Debt-to-Equity Ratio

How to Spot a Debt Problem Before It Hits the Stock Price

Learn how to spot a debt problem in stocks using D/E, interest coverage, and net debt/EBITDA ratios. Real examples from META and MSFT, plus danger thresholds you need to know.

Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.