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SoFi TechnologiesMEX:SOFI -3.19%65 Equity-to-Asset is 0.18 as of Jun. 2026, which is 14% below its 10-year median of 0.21. GuruFocus rates MEX:SOFI with a GF Score™ of 65/100 and a GF Value™ of MXN313.79 (Fairly Valued). The stock has 2 warning signs investors should review. Among 554 Credit Services companies, SoFi Technologies ranks worse than 72.92% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. SoFi Technologies's Total Stockholders Equity for the quarter that ended in Jun. 2026 was MXN193,543 Mil. SoFi Technologies's Total Assets for the quarter that ended in Jun. 2026 was MXN1,064,982 Mil.
Therefore, SoFi Technologies's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.18.
The historical rank and industry rank for SoFi Technologies's Equity-to-Asset or its related term are showing as below:
MEX:SOFI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17 Med: 0.21 Max: 0.59
Current: 0.18
During the past 8 years, the highest Equity to Asset Ratio of SoFi Technologies was 0.59. The lowest was 0.17. And the median was 0.21.
MEX:SOFI's Equity-to-Asset is ranked worse than 72.92% of 554
companies
in the Credit Services industry
Industry Median: 0.4
vs MEX:SOFI: 0.18
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
SoFi Technologies Equity-to-Asset Related Terms
SoFi Technologies Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for SoFi Technologies's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:SOFI vs SYF, AFRM, ALLY: Equity-to-Asset Comparison
For the Credit Services subindustry, SoFi Technologies's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SoFi Technologies Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
SoFi Technologies's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SoFi Technologies (MEX:SOFI) has a Equity-to-Asset of 0.18 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SoFi Technologies and its competitors. This is 14% below median its historical median of 0.21. Over the past decade, SoFi Technologies' Equity-to-Asset has ranged from 0.17 to 0.59. According to the industry distribution chart, SoFi Technologies ranks #404 out of 554 companies in the Credit Services industry, placing it in the top 72.9%.
Is SoFi Technologies' Equity-to-Asset too high?
SoFi Technologies' current Equity-to-Asset of 0.18 is 14% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.59. The Credit Services industry median Equity-to-Asset is 0.40. SoFi Technologies' value of 0.18 is 55% below this industry median. Based on the distribution chart, SoFi Technologies ranks #404 out of 554 companies in the Credit Services industry, which is below the industry midpoint. Overall, SoFi Technologies has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' Equity-to-Asset compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #404 out of 554 companies for Equity-to-Asset. This places SoFi Technologies in the lower half of its industry. The industry median Equity-to-Asset is 0.40. SoFi Technologies' value of 0.18 is 55% below this benchmark. Historically, SoFi Technologies' own Equity-to-Asset has ranged from 0.17 to 0.59 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.40, SoFi Technologies has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 554 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SoFi Technologies's current Equity-to-Asset of 0.18 is 55% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current Equity-to-Asset is 0.18, which is 14% below median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (MEX:SOFI) is currently considered Fairly Valued. The stock's GF Value™ is MXN313.79, compared to a current price of MXN293.33 — trading 6.5% below its estimated fair value. The current Equity-to-Asset is 0.18, which is 14% below median its 10-year median of 0.21 and 55% below the Credit Services industry median of 0.40. SoFi Technologies' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For SoFi Technologies (MEX:SOFI), the current Equity-to-Asset is 0.18 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SoFi Technologies (MEX:SOFI) Overvalued in 2026?
Based on GuruFocus' analysis, SoFi Technologies stock appears to be undervalued.
The current stock price of MXN293.33 is trading 6.5% below its estimated GF Value™ of MXN313.79.
GuruFocus considers SoFi Technologies to be Fairly Valued.
Key valuation signals for MEX:SOFI:
Equity-to-Asset: 0.18 (14% below median its 10-year median of 0.21)
GF Value™: MXN313.79 vs. price of MXN293.33 (6.5% below fair value)
Industry Position: 55% below the Credit Services median (#404 of 554)
No single metric tells the full story. See the MEX:SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
65GF Score
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