SoFi Technologies, Inc (SOFI) Fair Value & Analysis

Financial Services · US · Market cap $22.9B

Below-average quality, and screening another 76% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($5.19). The favourable scenario is already priced in.
• Weak quality (24/100) 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range $4.30 – $32.21 · fair‑value band $3.33 – $5.19 · the $18.10 price screens above the $4.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

SoFi Technologies, Inc (SOFI) currently trades at $18.10, while our model-based Fair Value estimate is $4.34, implying the stock looks roughly 76.1% overvalued today. We read business quality at 24/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, SoFi Technologies, Inc generated revenue of $3.9B at a net margin of 14.8%. Revenue grew 42.5% year over year. It earns a return on equity of 6.6%. The balance sheet holds a net cash position of $3.1B. Fundamentals as of Jul 16, 2026

Our scenario range runs from $3.33 (bear case) to $5.19 (bull case); at $18.10, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 45% below its 52-week high and 34% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -76%, SOFI screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Growth Earnings ($16.92) versus Asset-Based ($5.48). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

SOFI screens 76% overvalued. Compare with Visa Inc →

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• SoFi and Visa Earnings Point to Consumer Confidence Nasdaq · Aug 7, 2026
• Why Wall Street Keeps Ignoring SoFi’s Record Growth for Robinhood Yahoo Finance · Aug 6, 2026
• CAZ Investments Partners with SoFi to Democratize Access to Private Markets Yahoo Finance · Aug 6, 2026
• Why Hedge Funds Prefer Robinhood (HOOD) Stock Over SoFi Yahoo Finance · Aug 5, 2026

Peer Group

Credit Services · 333 stocks

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.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 86/100

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.