
SoFi Technologies Inc.
SOFI 15.43 (-1.53%) 0.24
Market cap
$19.93(B)Earnings date
Oct-26-2026Category
Sector
FinancialsIndustry
Consumer FinanceSoFi 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.
EV: —
Total Equity: $11.08(B)
Debt/Equity: 0.31
Dividend/share: $0.0
Div. yield: 0.00%
P/E: 30.25
Forward P/E: 26.15
P/FCF: N/A
P/S: 4.49
P/B: 1.80
EPS: $0.5
EPS (fwd): $0.6
FCF/share: $-6.8
Revenue/share: $3.4
Book value/share: $8.6
ROIC: 6.1%
ROA: 1.6%
ROE: 8.6%
Margins: Gross | Op. | Net
83.7% | NaN% | 14.9%
0.0%of Portfolio
My holdings
Day change
Total change
PEvaluation
CURRENT PRICE
$15
70% Overvalued
BEAR
$3
78%
BASE
$5
70%
BULL
$6
63%
Fair P/E
Margin of safety
EPS
EPS Estimates
| Low | Avg | High | # | |
| FY+1 | 0.6 | 0.6 | 0.6 | 9 |
| FY+2 | 0.8 | 0.8 | 0.9 | 9 |
| FY+3 | 1.0 | 1.1 | 1.2 | 5 |
| FY+4 | 1.4 | 1.4 | 1.4 | 1 |
| FY+5 | 1.7 | 1.7 | 1.7 | 1 |
Analyst Price Targets
CURRENT PRICE
$15
23% Undervalued
BEAR
$12
22%
BASE
$19
23%
BULL
$30
94%
Analyst Recommendations
Strong Buy4
Buy5
Hold12
Sell2
Strong Sell2
2-stage DCF
First Stage Duration: 5 Years | |
| Starting Free Cash Flow | |
First Stage Growth Rate | |
% Low Mid High | |
Terminal Growth Rate | |
% Low Mid High | |
| Discount Rate | |
Discounted Cash Flow
Forecast years: 5 Years | |
Terminal Growth Rate | |
% Low Mid High | |
| Discount Rate | |
Free cash flow estimates:
Y+1 est.
Y+2 est.0.00%
Y+3 est.0.00%
Y+4 est.0.00%
Y+5 est.0.00%
Discounted Cash Flow (exit mult.)
Forecast years: 5 Years | |
Exit FCF Multiple | |
x Low Mid High | |
| Discount Rate | |
Free cash flow estimates:
Y+1 est.
Y+2 est.0.00%
Y+3 est.0.00%
Y+4 est.0.00%
Y+5 est.0.00%
Dividend Discount Model
| Annual Dividend | |
First Stage Length (Years): 0 Years | |
First Stage Growth Rate | |
% Low Mid High | |
Final Growth Rate | |
% Low Mid High | |
| Discount Rate | |
EPS Growth
Forecast years: 5 Years | |
| Starting EPS | |
EPS Growth Rate | |
% Low Mid High | |
Final P/E | |
x Low Mid High | |
| Discount Rate | |
Revenue Growth Valuation
Forecast Years: 10 Years | |
| Base Revenue | |
Revenue Growth Rate | |
% Low Mid High | |
Final Net Margin | |
% Low Mid High | |
Final P/E Ratio | |
x Low Mid High | |
| Discount Rate | |
Peter Lynch Fair Value
| Earnings Per Share | |
Growth Rate | |
% Low Mid High | |
Graham Formula
| Earnings Per Share | |
EPS Growth (7-10 years) | |
% Low Mid High | |
| Government Bond Rate | |
