SoFi Technologies (SOFI) Debt Ratio (2020 - 2026)
SoFi Technologies' (SOFI) Debt Ratio was 0.05 for Q2 2026, down 43.5% from 0.10 a year earlier but up 60.4% from the prior quarter.
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Analysis
SoFi Technologies (SOFI) Debt Ratio (2020 - 2026) Analysis & Trends
For FY2025, Debt Ratio at SoFi Technologies was 0.04, down 58.0% from FY2024.
- Debt Ratio has declined for five consecutive years.
- By year, Debt Ratio came in at 0.09 in FY2024 (-51.0%), 0.17 in FY2023 (-39.7%), 0.29 in FY2022 (-32.9%) and 0.43 in FY2021 (-23.2%).
- Five-year quarterly Debt Ratio spans a low of 0.03 in Q1 2026 and a high of 0.43 in Q4 2021.
- Year over year, Debt Ratio has now declined in each of the last four quarters, with an average decline of 39.5% over the last eight quarters.
- The high point for year-over-year Debt Ratio in five years was Q2 2025 (growth of 0.8%); the low point was Q1 2024 (a decline of 66.1%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.03 (Q1 2026), 0.04 (Q4 2025) and 0.06 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 903.97 Bn | 903.97 Bn | - | - |
| 2 | Bank Of America | 356.92 Bn | -2,019.15 Bn | - | 0.11 |
| 3 | Hsbc Holdings | 296.96 Bn | -1,806.64 Bn | - | - |
| 4 | Morgan Stanley | 285.10 Bn | 285.10 Bn | - | - |
| 5 | Royal Bank Of Canada | 284.66 Bn | -545.38 Bn | - | 0.01 |
| 6 | Goldman Sachs | 266.61 Bn | 266.61 Bn | - | - |
| 7 | Wells Fargo & Company | 250.94 Bn | 250.94 Bn | - | 0.10 |
| 8 | Mitsubishi Ufj Financial | 245.01 Bn | -96.38 Bn | 10.89 Bn | 0.05 |
| 9 | Toronto Dominion Bank | 214.22 Bn | -461.66 Bn | - | - |
| 10 | SoFi Technologies | 21.51 Bn | 21.51 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.05 |
| Mar 31, 2026 | 0.03 |
| Dec 31, 2025 | 0.04 |
| Sep 30, 2025 | 0.06 |
| Jun 30, 2025 | 0.10 |
| Mar 31, 2025 | 0.08 |
| Dec 31, 2024 | 0.09 |
| Sep 30, 2024 | 0.09 |
| Jun 30, 2024 | 0.10 |
| Mar 31, 2024 | 0.09 |
| Dec 31, 2023 | 0.17 |
| Sep 30, 2023 | 0.22 |
| Jun 30, 2023 | 0.25 |
| Mar 31, 2023 | 0.27 |
| Dec 31, 2022 | 0.29 |
| Sep 30, 2022 | 0.29 |
| Jun 30, 2022 | 0.29 |
| Mar 31, 2022 | 0.40 |
| Dec 31, 2021 | 0.43 |
| Sep 30, 2021 | 0.34 |
API Access
SoFi Technologies Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();