SOFI TECHNOLOGIES INC (1SOFI) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of SOFI TECHNOLOGIES INC €4.48, price €14.07, upside -68.2%, quality 27 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
17‑month range €11.14 – €27.09 · fair‑value band €4.48 – €5.42 · the €14.07 price screens above the €4.48 fair value. Dashed = 300-day average. As of Oct 3, 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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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. 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 (1SOFI) currently trades at €14.07, while our model-based Fair Value estimate is €4.48, 68.2% 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 €36.58 per share, and 2 of the 7 models we run sit above the €14.07 price.
Bear case: the Multiples group reads lowest at €4.33, and 5 of the 7 models stay below the price. Evidence for this calculation is medium.
Scenario range: €4.48 (bear) to €5.42 (bull), the price of €14.07 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 27/100 (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 $3.6B in FY2025 versus $1.6B in FY2022, a compound +31.9%/yr. Reported net income was $481M in FY2025.
Key figures
Market cap €20.2B · P/E ratio 36.1 · P/S ratio 4.81 · EPS (TTM) €0.3900 · Net margin 13.3% · Return on equity 6.6% · Return on assets 1.3% · Operating margin 18.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 48% below its 52-week high and 9% 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 −68%, 1SOFI screens richer than that median.
Fair Value models
Bear €4.48Fair Value €4.48Bull €5.42
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.2949 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.Evidence ⓘEvidence = 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.
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
+38.3%
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.
+31.9%
’22
’23
’24
’25
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
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 · 326 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score27 · Bottom 25%
Fair Value upside−65.1% · Bottom 25%
Profitability
Return on equity (TTM)6.6% · Below median
Return on assets1.3% · Below median
Net margin (TTM)14.8% · Below median
Operating margin (TTM)18.3% · Below median
Growth and dividend
Revenue growth42.5% · Top 25%
Balance sheet
Debt / equity0.13× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)36.1× · Priciest 25%
P/B2.17× · Priciest 25%
P/S (TTM)5.82× · Priciest 25%
PEG0.87× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 55
FUTURE (revenue growth)100· sector 52
PAST (return on equity)26· sector 33
HEALTH (low debt)94· sector 58
DIVIDEND (yield)0· sector 64
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.
Is SOFI TECHNOLOGIES INC (1SOFI) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of €4.48 versus a price of €14.07, about −68% upside (overvalued).
What is the fair value of 1SOFI?
Our model-based fair value for SOFI TECHNOLOGIES INC is €4.48 (as of Oct 3, 2026), built from audited fundamentals. The current price: €14.07.
What is the quality score of 1SOFI?
SOFI TECHNOLOGIES INC has a Quality Score of 27/100. 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 (1SOFI)?
Our model-based price target is the fair value of €4.48 (as of Oct 3, 2026) from 7 valuation models. Cautious scenario €4.48, optimistic scenario €5.42. 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 €4.48, about −68% upside versus a price of €14.07 (overvalued). Cautious scenario €4.48, optimistic scenario €5.42. The calculation is refreshed regularly with new filings.
What is the revenue of SOFI TECHNOLOGIES INC (1SOFI)?
SOFI TECHNOLOGIES INC reported trailing-twelve-month revenue of about $3.9B (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of SOFI TECHNOLOGIES INC (1SOFI)?
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 €4.48 per share (as of Oct 3, 2026), against a price of €14.07. 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 Oct 3, 2026, 1SOFI trades above its calculated fair value: price €14.07, fair value €4.48, a gap of about −68% (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 1SOFI?
No. The price is what the market pays today (€14.07); the fair value is what the company's own numbers justify (€4.48). For SOFI TECHNOLOGIES INC the two are €9.59 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 €20.2B (market capitalisation, as of Oct 3, 2026). Per share that is €14.07; our models calculate a fair value of €4.48 per share.
What do the bullish and bearish scenarios say about 1SOFI?
Our models span a range for SOFI TECHNOLOGIES INC: cautious scenario €4.48, base €4.48, optimistic €5.42 per share (as of Oct 3, 2026, price €14.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1SOFI?
SOFI TECHNOLOGIES INC trades at a price-to-earnings ratio of 36.1 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €4.48 is built from several models across several years. Other multiples: PEG 0.9, P/B 2.2, P/S 5.8.
What is the PEG ratio of 1SOFI?
The PEG ratio of SOFI TECHNOLOGIES INC is 0.87 (P/E divided by earnings growth, as of Oct 3, 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 (1SOFI)?
Balance-sheet figures for SOFI TECHNOLOGIES INC (as of Oct 3, 2026): return on equity 6.6%, debt of 0.13 per unit of equity. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is 1SOFI from its 52-week high?
SOFI TECHNOLOGIES INC trades at €14.07, about 48% below its 52-week high of €27.09 and 9% above the low of €12.94 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €4.48 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 Oct 3, 2026: price €14.07, calculated fair value €4.48 (−68%), Quality Score 27/100, 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 1SOFI 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 €4.48, 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 14.5 % 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 (1SOFI)?
The closing price on Oct 2, 2026 was €14.07. Our model-based fair value is €4.48, about −68% upside (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 (€5.42). The favourable scenario is already priced in. Weak quality (27/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 (1SOFI)?
The market capitalisation of SOFI TECHNOLOGIES INC is €20.2B. 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 (1SOFI)?
The price-to-sales ratio of SOFI TECHNOLOGIES INC is 4.81 (P/E × margin). 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 (1SOFI)?
Earnings per share at SOFI TECHNOLOGIES INC are €0.3900 (price ÷ EPS = P/E 36.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SOFI TECHNOLOGIES INC (1SOFI)?
The net margin of SOFI TECHNOLOGIES INC is 13.3% (fiscal year 2025). 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 (1SOFI)?
The return on equity (ROE) of SOFI TECHNOLOGIES INC is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of SOFI TECHNOLOGIES INC (1SOFI)?
The return on assets (ROA) of SOFI TECHNOLOGIES INC is 1.3% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of SOFI TECHNOLOGIES INC (1SOFI)?
The operating margin of SOFI TECHNOLOGIES INC is 18.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SOFI TECHNOLOGIES INC (1SOFI)?
Revenue at SOFI TECHNOLOGIES INC is growing +42.5% versus a year earlier (3y avg +31.9%). 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 (1SOFI)?
Earnings per share at SOFI TECHNOLOGIES INC are growing +101% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SOFI TECHNOLOGIES INC (1SOFI) 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 debt does SOFI TECHNOLOGIES INC (1SOFI) carry?
The net debt of SOFI TECHNOLOGIES INC is $555M (fiscal year 2024). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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