SoFi Technologies Inc. (SOFI) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of SoFi Technologies Inc. stock $5.51, price $16.04, that is 65.6% below the price, quality 23 out of 100. Rating: strongly overvalued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $4.30 – $32.21 · fair‑value band $5.51 – $6.03 · the $16.04 price screens above the $5.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services.
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It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services.
The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance.
In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform.
Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner.
The company was founded in 2011 and is based in San Francisco, California.
Stock analysis
SoFi Technologies Inc. (SOFI) currently trades at $16.04, while our model-based Fair Value estimate is $5.51, 66% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $24.71 per share, and 2 of the 7 models we run sit above the $16.04 price.
Bear case: the Asset-Based group reads lowest at $4.38, and 5 of the 7 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $5.51 (bear) to $6.03 (bull), the price of $16.04 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 23/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SoFi Technologies Inc. reported revenue of $4.8B in FY2025 versus $1.1B in FY2021, a compound +44.7%/yr. Reported net income was $481M in FY2025.
Key figures
Market cap $21.7B Large · P/E ratio 29.2 · P/S ratio 4.63 · EPS (TTM) $0.5500 · Net margin 15.8% · Return on equity 7.4% · Return on assets (EBIT) −0.9% · Operating margin 23.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 50% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −66%, SOFI screens richer than that median.
Fair Value models
Bear$5.51Fair Value $5.51Bull$6.03
Price $16.04 · Downside -65.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.4671 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director bought shares worth $749,298, on Jun 16, 2026. Over the same period, 3 people sold shares worth $3.2M.
SaleKelli KeoughEVP, GBUL, SIPS12× since Nov 20, 2025: 122,152 shares, avg. $19.42$2.4MOct 20, 202610b5-1 plan
SaleJeremy RishelChief Technology Officer4× since Dec 17, 2025: 307,542 shares, avg. $20.30$6.2MSep 21, 202610b5-1 plan
SaleRobert S LavetGeneral Counsel1,188 shares at $17.55$20,849Jun 18, 2026
BuyAnthony NotoChief Executive Officer, Director5× since Mar 2, 2026: 130,211 shares, avg. $17.29$2.3MJun 16, 2026
SaleSteven J FreibergDirector94,225 shares at $20.31$1.9MFeb 6, 2026
BuyRobert S LavetGeneral Counsel5,000 shares at $21.04$105,200Feb 6, 2026
BuyEric SchuppenhauerEVP GBUL Borrow5,000 shares at $19.93$99,650Feb 5, 2026
SaleArun PintoChief Risk Officer46,132 shares at $24.76$1.1MNov 21, 202510b5-1 plan
Plus 28 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+82.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+44.7%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.5%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−43.7% (2020) → 11.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: The business shows limited durable advantage signals in the competitive credit services sector together with weak cash metrics including negative operating and free cash flow despite reported profit.
Main risk: Named fintech rivals such as Chime in deposits, Upstart in AI lending and Robinhood in investing could draw away customers or force lower prices and margins in SoFi's core lending, banking and brokerage services.
Bull case: SoFi could leverage its bank charter and integrated platform to deepen customer relationships through AI tools like Coach while expanding its capital-light Loan Platform Business with new partners.
Bear case: If rivals capture significant market share and regulators impose limits on the BaaS platform, SoFi's deposit base and technology revenue could shrink, pressuring its lending capacity and overall growth.
SoFi recently launched a tokenized deposit product that pays interest with full FDIC coverage and converts directly into its stablecoin for 24/7 crypto moves or transfers. This blends traditional banking protections with digital asset utility in a space where most stablecoins offer neither yield nor insurance. Our models see the shares as overvalued. Does this innovation meaningfully expand its deposit base and lending fuel, or does it stay a niche add-on while core credit services face ongoing rate pressures?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 286 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score23 · Bottom 25%
Fair Value upside−65.6% · Bottom 25%
Profitability
Return on equity (12 months)7.4% · Below median
Return on assets1.0% · Bottom 25%
Net margin (12 months)15.8% · Below median
Operating margin (12 months)23.2% · Below median
Growth and dividend
Revenue growth (quarter YoY)43.9% · Top 25%
Balance sheet
Debt / equity0.13× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)29.2× · Priciest 25%
P/B2.07× · Priciest 25%
P/S (12 months)4.63× · Pricier than median
EV/EBITDA23.8× · Priciest 25%
PEG0.61× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 57
FUTURE (revenue growth)100· sector 57
PAST (return on equity)29· sector 39
HEALTH (low debt)94· sector 52
DIVIDEND (yield)0· sector 63
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "SoFi Technologies Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SOFI
Frequently asked questions
Is SoFi Technologies Inc. (SOFI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $5.51 versus a price of $16.04, about 66% lower (overvalued).
What is the fair value of SOFI?
Our model-based fair value for SoFi Technologies Inc. is $5.51 (as of Nov 6, 2026), built from audited fundamentals. The current price: $16.04.
What is the quality score of SOFI?
SoFi Technologies Inc. has a Quality Score of 23/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SoFi Technologies Inc. (SOFI)?
Our model-based price target is the fair value of $5.51 (as of Nov 6, 2026) from 7 valuation models. Cautious scenario $5.51, optimistic scenario $6.03. It is a calculation from audited fundamentals, not an analyst target.
What is the SoFi Technologies Inc. stock forecast for 2026?
Our models put fair value at $5.51, about 66% lower versus a price of $16.04 (overvalued). Cautious scenario $5.51, optimistic scenario $6.03. The calculation is refreshed regularly with new filings.
What is the revenue of SoFi Technologies Inc. (SOFI)?
SoFi Technologies Inc. reported trailing-twelve-month revenue of about $4.7B (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of SoFi Technologies Inc. (SOFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SoFi Technologies Inc. it is $5.51 per share (as of Nov 6, 2026), against a price of $16.04. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is SoFi Technologies Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, SOFI trades above its calculated fair value: price $16.04, fair value $5.51, a gap of about −66% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SOFI?
No. The price is what the market pays today ($16.04); the fair value is what the company's own numbers justify ($5.51). For SoFi Technologies Inc. the two are $10.53 per share apart. That gap is exactly why we show both numbers side by side.
How much is SoFi Technologies Inc. worth?
The market values SoFi Technologies Inc. at about $21.7B (market capitalisation, as of Nov 6, 2026). Per share that is $16.04; our models calculate a fair value of $5.51 per share.
What do the bullish and bearish scenarios say about SOFI?
Our models span a range for SoFi Technologies Inc.: cautious scenario $5.51, base $5.51, optimistic $6.03 per share (as of Nov 6, 2026, price $16.04). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SOFI?
SoFi Technologies Inc. trades at a price-to-earnings ratio of 29.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.51 is built from several models across several years. Other multiples: PEG 0.6, P/B 2.1, P/S 4.6, EV/EBITDA 23.8.
What is the PEG ratio of SOFI?
The PEG ratio of SoFi Technologies Inc. is 0.61 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of SoFi Technologies Inc. (SOFI)?
Balance-sheet figures for SoFi Technologies Inc. (as of Nov 6, 2026): return on equity 7.4%, debt of 0.13 per unit of equity. They feed the Quality Score of 23/100, which measures business quality independently of the share price.
How far is SOFI from its 52-week high?
SoFi Technologies Inc. trades at $16.04, about 50% below its 52-week high of $32.21 and 13% above the low of $14.22 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $5.51 is for.
Which stocks are comparable to SoFi Technologies Inc.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SoFi Technologies Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $16.04, calculated fair value $5.51 (−66%), Quality Score 23/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SOFI calculated?
We run SoFi Technologies Inc. through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.51, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. SoFi Technologies Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SoFi Technologies Inc. (SOFI)?
The closing price on Nov 5, 2026 was $16.04. Our model-based fair value is $5.51, about 66% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SoFi Technologies Inc. right now?
The price sits above even our optimistic bull case ($6.03). The favourable scenario is already priced in. Weak quality (23/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band ($5.51 to $6.03), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of SoFi Technologies Inc.
How large is the market capitalisation of SoFi Technologies Inc. (SOFI)?
The market capitalisation of SoFi Technologies Inc. is $21.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SoFi Technologies Inc. (SOFI)?
The price-to-sales ratio of SoFi Technologies Inc. is 4.63 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SoFi Technologies Inc. (SOFI)?
Earnings per share at SoFi Technologies Inc. are $0.5500 (price ÷ EPS = P/E 29.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SoFi Technologies Inc. (SOFI)?
The net margin of SoFi Technologies Inc. is 15.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SoFi Technologies Inc. (SOFI)?
The return on equity (ROE) of SoFi Technologies Inc. is 7.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SoFi Technologies Inc. (SOFI)?
On an EBIT basis the return on assets of SoFi Technologies Inc. is −0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SoFi Technologies Inc. (SOFI)?
The operating margin of SoFi Technologies Inc. is 23.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SoFi Technologies Inc. (SOFI)?
Revenue at SoFi Technologies Inc. is growing +43.9% versus a year earlier (3y avg +39.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SoFi Technologies Inc. (SOFI)?
Earnings per share at SoFi Technologies Inc. are growing +64.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SoFi Technologies Inc. (SOFI) generate?
The free cash flow of SoFi Technologies Inc. is −$4.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does SoFi Technologies Inc. (SOFI) hold?
SoFi Technologies Inc. holds more cash than debt, $3.1B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 6, 2026
