SOFI Historical PE Ratio Notes

— SoFi Technologies, Inc. (ticker symbol: SOFI) is a modern financial services platform that provides a wide range of products such as student & personal loans, home mortgages, investment solutions, credit cards, and deposit accounts. The company differentiates itself through digital-first offerings using technology to streamline and simplify money management for its largely millennial & Gen Z user base. When reviewing SOFI's historical price-to-earnings (PE) ratio, it's important to know that the company has experienced several years of rapid growth but initially operated at a loss or with very low profitability. This often led to very high—or even negative—PE ratios in earlier years, as the market priced in expectations of future growth rather than current earnings. As SoFi's business model matures & the company achieves greater scale, profitability has begun to improve, which can drive the PE ratio toward more traditional levels. When interpreting historical PE data, keep in mind that volatility in SOFI's PE ratio may reflect periods of investment in expansion and innovation, investor optimism about future profitability, and changes in market sentiment about the fintech sector as a whole.

On this page we presented the SoFi Techs Historical PE Ratio information for SoFi Techs' stock. The average SOFI historical PE based on using the annualized quarterly earnings result at each measurement period (for the "E" in the PE calculation; and the closing price on earnings date as the "P") is 79.4. Meanwhile, using the trailing twelve month (TTM) quarterly earnings result as our method of calculation the "E" value at each measurement period, the average SOFI historical PE based on this TTM earnings result method is 121.5. Note: any PE calculations involving negative earnings were discarded as not meaningful.

Let's now compare this SOFI historical PE result, against the recent PE: when this page was posted on 5/13/2026, the most recent closing price for SOFI had been 15.31, and the most recent quarterly earnings result, annualized, was 0.48. Meanwhile, the most recent TTM earnings summed to 0.44. From these numbers, we calculate the recent SOFI PE on 5/13/2026 based on annualized quarterly EPS was 31.9. Based on SOFI's history, that recent PE is low relative to the historical average, with the recent PE 59.8% lower than the historical average PE across our data set for SoFi Techs. Looking at the recent SOFI PE on 5/13/2026 based on TTM EPS, we calculate the ratio at 34.8. Based on SOFI's history, that recent PE is low relative to the historical average, with the recent PE 71.4% lower than the average PE across our SoFi Techs data set with TTM EPS used in the calculation at each period.

Another interesting SOFI historical PE Ratio calculation we look at is to take the median earnings per share of the last four quarters for SOFI, and then annualize the resulting value... with that annualized number then being used in the PE calculation. To walk through this math for SOFI, we start with the past four EPS numbers and we first sort them from lowest to highest: 0.08, 0.11, 0.12, and 0.13. We then toss out the highest and lowest result, and then take the average of those two middle numbers — 0.11 and 0.12 — which gives us the median of 0.11. Basically the way to think about this 0.11 number is this: for the trailing four earnings reports, 0.11 marks the "middle ground" number where SOFI has reported a value higher than 0.11 half the time, and has reported a value lower than 0.11 half the time. Annualizing that median value then gets us to 0.44/share, which we use as the denominator in our next PE calculation. With 15.31 as the numerator (as of 5/13/2026), the calculation is then 15.31 / 0.44 = 34.8 as the SOFI PE ratio as of 5/13/2026, based on that annualized median value we calculated.

For self directed investors doing their due diligence on SOFI or any other given stock, valuation analysis for SOFI can greatly benefit from studying the past earnings and resulting PE calculations. This exercise can help inform an analysis as to whether the past earnings trajectory and current versus historical PE ratios justify the current stock value.

That's why we bring you HistoricalPERatio.com to make it easy for investors to investigate SoFi Techs PE history or the past PE information for any stock in our coverage universe. And in your continued research we hope you will be sure to check out the further links included for earnings surprises history (beat/miss data) as well as next earnings dates for SOFI. Thanks for visiting, and the next time you need to research SOFI Historical PE Ratio or the ratio for another stock, we hope you'll think of our site, as your go-to historical PE ratio research resource of choice.