SOFICAUTIOUS

SOFI P/E Ratio Analysis

35.1x

Higher than 88% of Financial Services sector peers

Updated 199h ago·SEC filings & market data

Key Takeaway

The P/E ratio of 36.1x means investors pay $36.10 for every $1 of SoFi's trailing earnings, a price tag that reflects expectations of future profit growth.

Sector Performance

88th percentile

SOFI

35.1x

Sector Median

13.2x

Sector Avg

19.3x

Prior Period

36.1x(Aug 2026)

↑ Improving

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Deep Analysis

The P/E ratio of 36.1x means investors pay $36.10 for every $1 of SoFi's trailing earnings, a price tag that reflects expectations of future profit growth.

This valuation sits well above the Financial Services sector median of 13.2x, placing SoFi in the 88th percentile among its peers. The metric is stable over the last eight quarters, with a year-over-year increase of 11.9% and a quarter-over-quarter change of just 0.7%. A high, stable P/E with modest upward drift suggests the market is holding firm on its growth assumptions, but leaves little room for earnings shortfalls. That combination points to elevated valuation risk: any disappointment in profit delivery could compress the multiple sharply. This metric supports the overall CAUTIOUS verdict, as the 36.1x multiple offers a thin safety margin relative to the sector's 13.2x median.

Frequently Asked Questions

What does the P/E Ratio tell investors about SOFI?

Measures how much investors pay per dollar of earnings. A high P/E signals growth expectations; a low P/E may indicate undervaluation or slow growth.

How is the P/E Ratio calculated?

P/E Ratio is calculated as: Price / EPS.

How does SOFI's P/E Ratio compare to its sector?

SOFI's P/E Ratio of 35.1x compares to a Financial Services sector median of 13.2x, placing it in the 88th percentile.

Who are SOFI's closest peers by P/E Ratio?

The closest Financial Services peers by P/E Ratio include: PFG (13.2x), AFL (12.9x), HSBC (12.8x), AIG (13.7x), RJF (12.7x).

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The Formula

Price / EPS

Why It Matters

Measures how much investors pay per dollar of earnings. A high P/E signals growth expectations; a low P/E may indicate undervaluation or slow growth.