SoFi Technologies annual debt-to-equity ratio
2021
2022
2023
2024
2025
SoFi Technologies Debt-to-Equity Ratio Growth & History (SOFI)
SoFi Technologies's debt-to-equity ratio was 0.18 for fiscal 2025.
View full SoFi Technologies company overviewSoFi Technologies annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.18 | −0.31 | −62.44% |
| 2024 | 2024-12-31 | 0.49 | −0.53 | −52.01% |
| 2023 | 2023-12-31 | 1.02 | −0.06 | −5.15% |
| 2022 | 2022-12-31 | 1.08 | 0.14 | +15.13% |
| 2021 | 2021-12-31 | 0.94 | — | — |
SoFi Technologies quarterly debt-to-equity ratio
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.31 | −0.28 | −47.72% |
| Q1 2026 | 2026-03-31 | 0.18 | −0.29 | −62.33% |
| Q4 2025 | 2025-12-31 | 0.18 | −0.31 | −62.44% |
| Q3 2025 | 2025-09-30 | 0.32 | −0.22 | −40.36% |
| Q2 2025 | 2025-06-30 | 0.59 | 0.04 | +8.19% |
| Q1 2025 | 2025-03-31 | 0.47 | −0.04 | −8.63% |
| Q4 2024 | 2024-12-31 | 0.49 | −0.53 | −52.01% |
| Q3 2024 | 2024-09-30 | 0.54 | −0.72 | −57.37% |
| Q2 2024 | 2024-06-30 | 0.54 | −0.71 | −56.70% |
| Q1 2024 | 2024-03-31 | 0.51 | −0.68 | −56.85% |
| Q4 2023 | 2023-12-31 | 1.02 | −0.06 | −5.15% |
| Q3 2023 | 2023-09-30 | 1.26 | 0.35 | +38.91% |
| Q2 2023 | 2023-06-30 | 1.26 | 0.51 | +68.85% |
| Q1 2023 | 2023-03-31 | 1.19 | 0.22 | +22.96% |
| Q4 2022 | 2022-12-31 | 1.08 | 0.14 | +15.13% |
| Q3 2022 | 2022-09-30 | 0.91 | 0.22 | +32.16% |
| Q2 2022 | 2022-06-30 | 0.74 | 0.16 | +27.38% |
| Q1 2022 | 2022-03-31 | 0.97 | — | — |
| Q4 2021 | 2021-12-31 | 0.94 | — | — |
| Q3 2021 | 2021-09-30 | 0.68 | — | — |
| Q2 2021 | 2021-06-30 | 0.58 | — | — |
SoFi Technologies debt-to-equity ratio trends
Between the periods ended 2021-12-31 and 2025-12-31, SoFi Technologies's debt-to-equity ratio decreased from 0.94 to 0.18, a change of −0.75. The latest reported quarter, Q2 2026, shows 0.31.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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