Is SoFi Technologies financially healthy?
Not really
SoFi Technologies earns only 0.5 times its interest bill, which leaves little room.
The numbers behind it
Net debt / EBITDANet cash
Cash vs. debt$4.9B vs. $1.9B
Interest coverage0.5×How many times operating profit covers the interest bill
How we decide
We measure debt in years of earnings (net debt / EBITDA): under 1 is very comfortable, 1 to 3 is manageable, above 3 is heavy. A company that earns less than 3 times its interest bill also counts as weak.
More questions about SoFi Technologies
Data as of Nov 13, 2026.