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SoFi Technologies Inc. (SOFI) fair value: what the stock is really worth

We calculate from audited financials what SoFi Technologies Inc. is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US83406F1021

ST SoFi Technologies Inc. logo Some data Sep 18, 2026

SoFi Technologies Inc.

SOFI · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $4.27 · Strongly overvalued (−75%)
!Quality 23/100
!Expensive Growth (revenue 5y +44.7 %/yr)
✓Solidly profitable · 14.8% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (2/13)
!Moderate moat 49/100
✓Insider activity 66/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 26 out of 100
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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

$32.21 $4.30 Fair Value $4.27 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.

How to read this chart

60‑month range $4.30 – $32.21 · fair‑value band $3.32 – $5.19 · the $16.96 price screens above the $4.27 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.

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Company profile

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. (SOFI) currently trades at $16.96, while our model-based Fair Value estimate is $4.27, implying the stock looks roughly 297.5% overvalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $15.98 per share, and 1 of the 7 models we run sit above the $16.96 price.

Bear case: the Multiples group reads lowest at $4.88, and 6 of the 7 models stay below the price. Evidence for this calculation is medium.

Scenario range: $3.32 (bear) to $5.19 (bull), the price of $16.96 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 $21.2B · P/E ratio 39.4 · P/S ratio 3.98 · EPS (TTM) $0.4300 · Net margin 10.1% · Return on equity 6.6% · Return on assets (EBIT) −0.9% · Operating margin 18.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 48% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −75%, SOFI screens richer than that median.

Fair Value models

Bear $3.32 Fair Value $4.27 Bull $5.19
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 ($0.3255 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. 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
Residual Income $6.20 $6.21 $5.80 74
Owner Earnings $8.60 $15.98 $31.48 70
P/E Multiple $3.66 $4.88 $6.10 63
All 7 models by family
DCF Models
Owner Earnings $8.60 $15.98 $31.48 70
Earnings-Based
Graham-Dodd $2.55 $17.79 $24.97 61
Lynch FV $9.19 $13.13 $17.07 59
Multiples
P/E Multiple $3.66 $4.88 $6.10 63
P/B Multiple $4.78 $6.38 $7.97 55
Asset-Based
NCAV (Graham) $4.09 $5.48 $8.18 54
Economic Profit
Residual Income $6.20 $6.21 $5.80 74

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Quality Score breakdown

Overall quality 23/100

Of which business quality 22 · Market factors (momentum, volatility) 14

Profitability 23
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 28
Disciplined investing over empire-building
Low Volatility 3
Calm price path (market factor)
Momentum 27
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 0
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. 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%
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%
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
not computed

SOFI screens 297% overvalued. Compare with Visa Inc →

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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 · 335 stocks

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 24 · Bottom 25%
Fair Value upside −77% · Bottom 25%
Profitability
Return on equity (TTM) 7% · Below median
Return on assets 1% · Below median
Net margin (TTM) 15% · Below median
Operating margin (TTM) 18% · Below median
Growth and dividend
Revenue growth 43% · Top 25%
Balance sheet
Debt / equity 0.13× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 39.4× · Priciest 25%
P/B 2.19× · Priciest 25%
P/S (TTM) 5.87× · Priciest 25%
EV/EBITDA 25.4× · Priciest 25%
PEG 0.87× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 39
FUTURE (revenue growth)100 · sector 39
PAST (return on equity)26 · sector 30
HEALTH (low debt)94 · sector 58
DIVIDEND (yield)0 · sector 71

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

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $375.62 $225.86 −40%
Mastercard Incorporated MA $573.27 $350.52 −39%
American Express Company AXP $324.43 $206.40 −36%
Capital One Financial Corporation COF $206.85 $125.36 −39%
Bajaj Finance Limited BAJFINANCE ₹1,034 ₹397.70 −62%
PayPal Holdings PYPL $53.81 $96.99 +80%
Shriram Finance Limited SHRIRAMFIN ₹1,028 ₹553.82 −46%
Affirm Holdings AFRM $71.58 $16.24 −77%
Synchrony Financial, SYF $74.88 $137.28 +83%
Cholamandalam Investment and Finance Company CHOLAFIN ₹1,845 ₹796.47 −57%

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SoFi Technologies Inc. · Fair Value
$4.27 −297%Fair Value
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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 Sep 18, 2026, our model estimates a fair value of $4.27 versus a price of $16.96, about −75% upside (overvalued).
What is the fair value of SOFI?
Our model-based fair value for SoFi Technologies Inc. is $4.27 (as of Sep 18, 2026), built from audited fundamentals. The current price: $16.96.
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 $4.27 (as of Sep 18, 2026) from 7 valuation models. Cautious scenario $3.32, optimistic scenario $5.19. 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 $4.27, about −75% upside versus a price of $16.96 (overvalued). Cautious scenario $3.32, optimistic scenario $5.19. 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 $3.9B (latest available figure, as of Sep 18, 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 $4.27 per share (as of Sep 18, 2026), against a price of $16.96. 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 Sep 18, 2026, SOFI trades above its calculated fair value: price $16.96, fair value $4.27, a gap of about −75% (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 ($16.96); the fair value is what the company's own numbers justify ($4.27). For SoFi Technologies Inc. the two are $12.69 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 $21.2B (market capitalisation, as of Sep 18, 2026). Per share that is $16.96; our models calculate a fair value of $4.27 per share.
What do the bullish and bearish scenarios say about SOFI?
Our models span a range for SoFi Technologies Inc.: cautious scenario $3.32, base $4.27, optimistic $5.19 per share (as of Sep 18, 2026, price $16.96). 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 39.4 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.27 is built from several models across several years. Other multiples: PEG 0.9, P/B 2.2, P/S 5.9, EV/EBITDA 25.4.
What is the PEG ratio of SOFI?
The PEG ratio of SoFi Technologies Inc. is 0.87 (P/E divided by earnings growth, as of Sep 18, 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 Sep 18, 2026): return on equity 6.6%, 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 $16.96, about 48% below its 52-week high of $32.73 and 26% above the low of $13.46 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $4.27 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 Sep 18, 2026: price $16.96, calculated fair value $4.27 (−75%), 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 $4.27, 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 16.0 % 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 Sep 18, 2026 was $16.96. Our model-based fair value is $4.27, about −75% 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 ($5.19). 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. 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 $21.2B. 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. (SOFI)?
The price-to-sales ratio of SoFi Technologies Inc. is 3.98 (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. (SOFI)?
Earnings per share at SoFi Technologies Inc. are $0.4300 (price ÷ EPS = P/E 39.4). 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 10.1% (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. (SOFI)?
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 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 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. (SOFI)?
Revenue at SoFi Technologies Inc. is growing +42.5% 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 +101% 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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