SoFi Technologies, Inc. (SOFI) Debt to Equity Ratio: 0.17
Is SoFi Technologies, Inc.’s debt to equity ratio high or low?
SoFi Technologies, Inc.'s debt to equity ratio of 0.17 is 80% below its 5-year average of 0.87, near the low end of its 5-year range (0.17–1.66).
The debt to equity ratio for SoFi Technologies, Inc. (SOFI) is 0.17 as of Wednesday, June 10, 2026. It is below its 12-month average by 48.48% (0.33).
SOFI Debt to Equity Ratio Chart
SOFI Average Debt to Equity Ratio Chart
SOFI Current vs Average Debt to Equity Ratio Chart
SOFI Debt to Equity Ratio Metrics
DEBT TO EQUITY RATIO
0.17
DEBT TO EQUITY RATIO AVG TTM
0.33
DEBT TO EQUITY RATIO AVG 3Y
0.66
DEBT TO EQUITY RATIO AVG 5Y
0.87
DEBT TO EQUITY RATIO AVG 10Y
1.25
DEBT TO EQUITY RATIO AVG 15Y
1.25
DEBT TO EQUITY RATIO AVG 20Y
1.25
CURRENT VS TTM AVG
-48.48%
CURRENT VS 3Y AVG
-74.34%
CURRENT VS 5Y AVG
-80.38%
CURRENT VS 10Y AVG
-86.42%
CURRENT VS 15Y AVG
-86.42%
CURRENT VS 20Y AVG
-86.42%
SOFI Competitors' Debt to Equity Ratio
| NAME | MARKET CAP | DEBT TO EQUITY RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| SoFi Technologies, Inc. (SOFI) | — | 0.17 | 0.33 | 0.66 | 0.87 |
| Loews Corporation (L) | $22.01B | 0.51 | 0.52 | 0.56 | 0.55 |
| Brown & Brown, Inc. (BRO) | $20.04B | 0.63 | 0.63 | 0.72 | 0.67 |
| Willis Towers Watson Public Limited Company (WTW) | $24.67B | 0.87 | 0.81 | 0.70 | 0.64 |
| Cincinnati Financial Corporation (CINF) | $25.34B | 0.06 | 0.06 | 0.07 | 0.07 |
| Global Payments Inc. (GPN) | $15.10B | 0.95 | 0.85 | 0.77 | 0.65 |
| The Hartford Financial Services Group, Inc. (HIG) | $35.35B | 0.23 | 0.25 | 0.28 | 0.27 |
| Prudential Financial, Inc. (PRU) | $36.02B | 0.71 | 0.86 | 1.10 | 0.87 |
| PayPal Holdings, Inc. (PYPL) | $36.57B | 0.49 | 0.48 | 0.48 | 0.47 |
| Main Street Capital Corporation (MAIN) | $4.78B | 0.82 | 0.79 | 0.81 | 0.84 |
Financial Health
Debt/Equity
0.17
Current Ratio
0.00
SoFi Technologies, Inc. Debt to Equity Ratio Formula & Definition
Debt to Equity measures financial leverage by comparing total debt to shareholders' equity.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
SoFi Technologies, Inc. Debt to Equity Ratio FAQ
- What is the debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The debt to equity ratio for SOFI stock is 0.17.
- Is SoFi Technologies, Inc.'s debt to equity ratio high or low?
- SoFi Technologies, Inc.'s debt to equity ratio of 0.17 is 80% below its 5-year average of 0.87, near the low end of its 5-year range (0.17–1.66).
- What is the TTM average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The TTM average debt to equity ratio for SOFI stock is 0.33.
- What is the 3Y average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The 3Y average debt to equity ratio for SOFI stock is 0.66.
- What is the 5Y average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The 5Y average debt to equity ratio for SOFI stock is 0.87.
- What is the 10Y average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The 10Y average debt to equity ratio for SOFI stock is 1.25.
- What is the 15Y average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The 15Y average debt to equity ratio for SOFI stock is 1.25.
- What is the 20Y average debt to equity ratio for SoFi Technologies, Inc. (SOFI)?
- The 20Y average debt to equity ratio for SOFI stock is 1.25.
SoFi Technologies, Inc. Debt to Equity Ratio History
| DATE | DEBT TO EQUITY RATIO |
|---|---|
| 2025-12-31 | 0.17 |
| 2024-12-31 | 0.49 |
| 2023-12-31 | 0.97 |
| 2022-12-31 | 1.02 |
| 2021-12-31 | 0.89 |
| 2020-12-31 | 1.66 |
| 2019-12-31 | 2.42 |
| 2018-12-31 | 3.65 |
| 2017-12-31 | 0.00 |
Related Metrics
About SoFi Technologies, Inc.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Anthony J. Noto