SoFi Technologies Inc. (SOFI) Fair Value & Analysis
Financial Services · US · Market cap $22.9B · ISIN US83406F1021
What is SoFi Technologies Inc. really worth?
SoFi Technologies Inc.
SOFI · US
Below-average quality, and trading another 334% above our fair value of $4.27.
Strengths
Risks
Fair value as of: Aug 31, 2026
From 7 valuation models · updated 5 days ago
Share price −1.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 31, 2026.
How to read this chart
60‑month range $4.30 – $32.21 · fair‑value band $3.32 – $5.19 · the $18.51 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 Aug 31, 2026.
Analysis
SoFi Technologies Inc. (SOFI) currently trades at $18.51, while our model-based Fair Value estimate is $4.27, implying the stock looks roughly 333.8% overvalued today. The Quality Score stands at 23/100 (below-average quality), in the Financial Services sector. Bull case: the DCF Models group reads highest at a median of $15.98 per share, and 0 of the 7 models we run sit above the $18.51 price. Bear case: the Multiples group reads lowest at $4.88, and 7 of the 7 models stay below the price. Evidence for this calculation is medium.
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 Aug 31, 2026
Our scenario range runs from $3.32 (bear case) to $5.19 (bull case); at $18.51, 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 43% below its 52-week high and 38% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −77%, SOFI screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $0.3045 per share, which is 7.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 7 models by family
Widest divergence: DCF Models ($15.98) versus Multiples ($4.88). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 22 · Market factors (momentum, volatility) 19
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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 334% overvalued. Compare with Visa Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- SoFi Links Banking Network and Stablecoin to Kraken in New Deal
- SoFi Just Posted Another Quarter of Fast Growth. What Has to Happen Next for the Stock to Follow?
- SoFi Drops 4%, Affirm Falls 5% as Yields Hit Balance-Sheet Lenders, Robinhood Holds Steady
- Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock?
Peer Group
Credit Services · 324 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
Strength profile in five axes (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: 66/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
| Tata Capital Limited TATACAP | ₹375.70 | ₹149.40 | −60% |
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