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Carepay Holdings Inc (SOFE) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Carepay Holdings Inc $0.00, price $0.00, upside +0.0%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Healthcare · US · ISIN US14173W1018

CH Carepay Holdings Inc logo Thin data Sep 27, 2026

Carepay Holdings Inc

SOFE · US

NeutralQuality growthThe stock looks roughly fairly valued with average quality.

·Fair value $0.0016 · Fairly valued (+0.0%)
✓Quality 64/100
!Mixed Growth (revenue YoY +372.2 %/yr)
!Loss over the last twelve months · -4.9% net margin (TTM) · fiscal year 2022 21.4%
✓generates free cash flow
!Mixed vs. peers (5/9)
!Narrow moat 42/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$1.00 $0.0001 Fair Value $0.0016 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range $0.0001 – $1.00 · fair‑value band $0.0016 – $0.0016 · the $0.0016 price screens below the $0.0016 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

SOAFEE, Inc. provides artificial intelligence (AI) and information technology (IT) services, and enterprise AI software-as a-service (SaaS) solutions for enterprises.

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SOAFEE, Inc. provides artificial intelligence (AI) and information technology (IT) services, and enterprise AI software-as a-service (SaaS) solutions for enterprises. It offers AI driven data as a service system (DaaS); SOAFEE healthcare marketplace; applied AI IT services for the health care/life sciences sector; and applied AI SaaS solutions for optimizing business operations. The company was formerly known as Carepay, Inc. and changed its name to SOAFEE, Inc. in February 2022. SOAFEE, Inc. is based in Atlanta, Georgia.

Stock analysis

Carepay Holdings Inc (SOFE) currently trades at $0.0016, while our model-based Fair Value estimate is $0.0016, so the stock looks roughly fairly valued today (gap 0.0%).

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Valuation

Bull case: the DCF Models group reads highest at a median of $0.0017 per share, and 6 of the 23 models we run sit above the $0.0016 price.

Bear case: the Economic Profit group reads lowest at $0.0004, and 17 of the 23 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.0016 (bear) to $0.0016 (bull), the price of $0.0016 sits inside 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 64/100 (solid quality), in the Healthcare sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Carepay Holdings Inc reported revenue of $1.5M in FY2022 versus $2.2M in FY2009, a compound −3.0%/yr. Reported net income was $313K in FY2022.

Key figures

Market cap $45.1K · P/S ratio 0.02 · Net margin 21.4% · Return on assets (EBIT) −329% · Operating margin 27.1% · Revenue (TTM) $2.2M · Free cash flow $421K · Net cash $415K.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 300% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at 6% fair-value upside, at 0%, SOFE screens richer than that median.

Fair Value models

Bear $0.0016 Fair Value $0.0016 Bull $0.0016
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. 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.
Highest evidence
FCF DCF $0.0013 $0.0020 $0.0040 74
Growth DCF $0.0012 $0.0022 $0.0039 73
5Y EBITDA Exit $0.0008 $0.0013 $0.0021 70
All 23 models by family
DCF Models
FCF DCF $0.0013 $0.0020 $0.0040 74
5Y Revenue Exit $0.0007 $0.0011 $0.0018 68
5Y EBITDA Exit $0.0008 $0.0013 $0.0021 70
5Y P/E Exit $0.0009 $0.0017 $0.0029 66
10Y Revenue Exit $0.0009 $0.0016 $0.0020 65
10Y EBITDA Exit $0.0009 $0.0018 $0.0031 63
10Y P/E Exit $0.0010 $0.0020 $0.0034 59
Earnings-Based
Graham-Dodd $0.0003 $0.0018 $0.0026 63
Lynch FV $0.0008 $0.0012 $0.0015 61
PEG = 1.0 $0.0008 $0.0012 $0.0015 57
EPV $0.0004 $0.0005 $0.0005 70
Multiples
P/E Multiple $0.0006 $0.0008 $0.0010 63
P/S Multiple $0.0005 $0.0006 $0.0008 58
P/B Multiple $0.0003 $0.0004 $0.0005 55
EV/EBIT $0.0007 $0.0009 $0.0011 63
EV/EBITDA $0.0006 $0.0007 $0.0009 64
EV/Revenue $0.0004 $0.0006 $0.0008 51
Asset-Based
NCAV (Graham) n/a $0.0001 $0.0001 50
Growth DCF
Growth DCF $0.0012 $0.0022 $0.0039 73
Rev-Margin DCF $0.0007 $0.0012 $0.0022 67
Economic Profit
Residual Income $0.0002 $0.0004 $0.0011 61
ROIC Compounder $0.0005 $0.0006 $0.0007 70
Growth Earnings
Growth-Adj P/E $0.0011 $0.0016 $0.0021 67

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Quality Score breakdown

Overall quality 64/100

Of which business quality 63 · Market factors (momentum, volatility) 59

Profitability 57
Margins and returns on capital today
Quality Growth 74
Are margins and returns improving?
Cashflow 88
Earnings quality: real cash, not paper profit
Fin. Strength 33
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 35
Calm price path (market factor)
Momentum 57
Price trend over the last 3–12 months (market factor)
52W Momentum 92
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+372.2%
Revenue growth 24 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.
+1.9%
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.
−54.7% (1998) → 27.1% (2022)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

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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.Health Information Services · 116 stocks

Beats the industry median on 5/8 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 64 · Above median
Fair Value upside +0.0% · Above median
Profitability
Return on assets −31.5% · Bottom 25%
Net margin (TTM) −4.9% · Below median
Operating margin (TTM) 27.1% · Top 25%
Growth and dividend
Revenue growth 0.0% · Below median

Valuation Multiplesvs Health Information Services median · lower = cheaper

P/B 0.06× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM) 0.02× · Cheapest 25%
P/FCF 0.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 0
FUTURE (revenue growth)0 · sector 48
PAST (return on equity)0 · sector 12
HEALTH (low debt)0 · sector 98
DIVIDEND (yield)0 · sector 44

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Health Information Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Veeva Systems Inc VEEV $278.57 $306.43 +10%
Pro Medicus Limited PME A$161.00 A$84.62 −47%
BrightSpring Health Services, Inc BTSG $56.54 $25.86 −54%
Hinge Health, Inc HNGE $95.57 $51.25 −46%
HealthEquity, Inc HQY $88.44 $97.28 +10%
Waystar Holding WAY $24.70 $27.17 +10%
Doximity, Inc DOCS $26.35 $31.41 +19%
XtalPi Holdings 2228 HK$7.75 HK$1.50 −81%
Inventurus Knowledge Solutions Limited IKS ₹1,779 ₹1,883 +6%
Privia Health Group PRVA $19.62 $5.02 −74%

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Cite: Fair Value Calculator (2026). "Carepay Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/SOFE

Frequently asked questions

Is Carepay Holdings Inc (SOFE) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0016 versus the last price from Sep 25, 2026 of $0.0016, about +0% upside (fairly valued).
What is the fair value of SOFE?
Our model-based fair value for Carepay Holdings Inc is $0.0016 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.0016.
What is the quality score of SOFE?
Carepay Holdings Inc has a Quality Score of 64/100. 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 Carepay Holdings Inc (SOFE)?
Our model-based price target is the fair value of $0.0016 (as of Sep 27, 2026) from 23 valuation models. Cautious scenario $0.0016, optimistic scenario $0.0016. It is a calculation from audited fundamentals, not an analyst target.
What is the Carepay Holdings Inc stock forecast for 2026?
Our models put fair value at $0.0016, about +0% upside versus the last price from Sep 25, 2026 of $0.0016 (fairly valued). Cautious scenario $0.0016, optimistic scenario $0.0016. The calculation is refreshed regularly with new filings.
What is the revenue of Carepay Holdings Inc (SOFE)?
Carepay Holdings Inc reported trailing-twelve-month revenue of about $2.2M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Carepay Holdings Inc (SOFE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Carepay Holdings Inc it is $0.0016 per share (as of Sep 27, 2026), against a price of $0.0016. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Carepay Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, SOFE trades below its calculated fair value: price $0.0016, fair value $0.0016, a gap of about +0% (fairly valued). 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 SOFE?
No. The price is what the market pays today ($0.0016); the fair value is what the company's own numbers justify ($0.0016). For Carepay Holdings Inc the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Carepay Holdings Inc worth?
The market values Carepay Holdings Inc at about $45.1K (market capitalisation, as of Sep 27, 2026). Per share that is $0.0016; our models calculate a fair value of $0.0016 per share.
What do the bullish and bearish scenarios say about SOFE?
Our models span a range for Carepay Holdings Inc: cautious scenario $0.0016, base $0.0016, optimistic $0.0016 per share (as of Sep 27, 2026, price $0.0016). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is SOFE from its 52-week high?
Carepay Holdings Inc trades at $0.0016, at its 52-week high of $0.0016 and 300% above the low of $0.0004 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0016 is for.
Which stocks are comparable to Carepay Holdings Inc?
From the same area (Healthcare) we also value Veeva Systems Inc, Pro Medicus Limited, BrightSpring Health Services, Inc, Hinge Health, Inc, 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 Carepay Holdings Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0016, calculated fair value $0.0016 (+0%), Quality Score 64/100, from 23 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 SOFE calculated?
We run Carepay Holdings Inc through 23 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 $0.0016, 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. Carepay Holdings 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 Carepay Holdings Inc (SOFE)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0016. Our model-based fair value is $0.0016, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Carepay Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band ($0.0016 to $0.0016), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Carepay Holdings Inc

How large is the market capitalisation of Carepay Holdings Inc (SOFE)?
The market capitalisation of Carepay Holdings Inc is $45.1K. 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 Carepay Holdings Inc (SOFE)?
The price-to-sales ratio of Carepay Holdings Inc is 0.02 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Carepay Holdings Inc (SOFE)?
The net margin of Carepay Holdings Inc is 21.4% (fiscal year 2022). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Carepay Holdings Inc (SOFE)?
On an EBIT basis the return on assets of Carepay Holdings Inc is −329% (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 Carepay Holdings Inc (SOFE)?
The operating margin of Carepay Holdings Inc is 27.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Carepay Holdings Inc (SOFE) generate?
The free cash flow of Carepay Holdings Inc is $421K (fiscal year 2022). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Carepay Holdings Inc (SOFE) hold?
Carepay Holdings Inc holds more cash than debt, $415K net (fiscal year 2022). The company holds more cash than debt, a safety cushion.
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