SoFi Technologies, Inc.
2.53xPrice / tangible book
Market cap
$22.38B
Tangible equity (USD)
$8.86B
Price / tangible book
2.53x
Price / book
2.13x
Net income / ending equity
4.6%
Net income / ending assets
1.0%
Efficiency ratio
493.6%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 ·
Decision snapshot: SOFI stock price vs USB: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at USB's multiple
Needs USB P/E.
Implied fair value · at SOFI's multiple
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Less efficient
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
11 period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$22.38B
Tangible equity (USD)
$8.86B
Price / tangible book
2.53x
Price / book
2.13x
Net income / ending equity
4.6%
Net income / ending assets
1.0%
Efficiency ratio
493.6%
Price / book
Market cap
—
Tangible equity (USD)
$47.65B
Price / tangible book
—
Price / book
—
Net income / ending equity
11.6%
Net income / ending assets
1.1%
Efficiency ratio
58.8%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
SoFi Technologies, Inc. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
US BANCORP \DE\ · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SOFI can sustain its 23.1% revenue growth while improving quality metrics from a Piotroski F-Score of 2/9, then holding or selectively buying can make sense because the stock is still within its historical range and growth is materially stronger than USB's 4.4%.
SOFI's current price sits near the upper half of its historical band and far above the lower end of USB-implied range, suggesting the stock is not obviously cheap on a relative basis. USB's disclosed P/E of 13.8x and P/S of 3.5x provide the only explicit comp anchors, but SOFI lacks comparable multiples, so the valuation case depends more on growth expectations than direct multiple parity.
Supporting Metrics