Logo

SoFi Technologies Inc. (SOFI) price target and intrinsic value estimate is $3.5.

The intrinsic value is based on a target P/E of 6.6 and forward estimate EPS of $0.53.

SOFI is currently trading at $8.39 (140% overvalued).

Prices, estimates and other information presented here are not financial advice.

Target P/E and margin of safety is computed using the method described here.

Other valuations:

or create your FREE account now and get access to thousands of companies.

SOFI logo
SoFi Technologies Inc.
SOFI
8.39 (6.77%) 0.57
Fair price estimates:
Low ($0.40 EPS)
$2.6
Average ($0.53 EPS)
$3.5
High ($0.67 EPS)
$4.4
My holdings
My holdings:
Shares:
Cost basis:
Financials
Consumer Finance
Market cap:$ 8.94(B)
Enterprise value:0
Div. yield:0.00%
P/E:N/A
P/FCF:N/A
P/B:1.51
DescriptionNotes
SoFi Technologies Inc. provides various financial services in the United States Latin America and Canada. It operates through three segments: Lending Technology Platform and Financial Services. The company offers lending and financial services and products that allows its members to borrow save spend invest and protect money. It offers 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 with financial services customers. In addition it provides SoFi Money offers checking and savings accounts debit cards and cash management products; and SoFi Invest a mobile-first investment platform that provides access to trading and advisory solutions such as investing and robo-advisory. Further the company offers SoFi Credit Card that provides cash backs 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 sells loans to third-party partner. The company was founded in 2011 and is based in San Francisco California.
PEvaluation
Shares outstan...ROICRevenue growthDebt/FCFAssets/Liabili...
Economic moat: None/narrow
None/narrowMediumWideVery wide
Fair P/E
Margin of safety
EPS estimates
Currentprice:8.4Buy price2.7Fair price3.5
TTM Financials
Income
RevenueGrossNet
Balance sheet
Cash & ST inv.Other ST assetsLong term assetsCurrent liabilitiesLong term debtOther LT liabilitiesEquity
Cash flow
CFOCFICFF
Growth estimates
Revenue Upgrade
EPS65.2%

Historical financials

Showing limited histrical data. Access 10+ years of financials now! Upgrade
YearlyQuarterly
Income
FY2018FY2019FY2020FY2021FY2022FY2023
RevenueNet IncomeCOGSGross ProfitTotal OpEx.R&DSG&AOperating IncomeInterest ExpenseInterest IncomePre-tax incomeIncome tax
Cash flow
FY2018FY2019FY2020FY2021FY2022FY2023
FCFCFONet IncomeD&AStock-based Comp.CFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures
Balance sheet
FY2018FY2019FY2020FY2021FY2022FY2023
Total AssetsTotal LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EGoodwillCurrent liabilitiesAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity
Shares outstanding
FY2018FY2019FY2020FY2021FY2022FY2023
Shares (Basic)Shares (Diluted)
Per share data
FY2018FY2019FY2020FY2021FY2022FY2023
EPS (Basic)EPS (Diluted)FCF/ShareDividend/ShareBook value/Share
Ratios
FY2018FY2019FY2020FY2021FY2022FY2023
P/EP/FCFP/BP/SEV/EarningsEV/FCFDebt/EquityPayout ratio
Margins
FY2018FY2019FY2020FY2021FY2022FY2023
Net Income MarginOperating MarginGross MarginEBITDA MarginFCF Margin
Returns
FY2018FY2019FY2020FY2021FY2022FY2023
ROICROAROCEROE
Market Cap.
FY2018FY2019FY2020FY2021FY2022FY2023
Market Cap.