SoFi Technologies Inc.

SOFI

27.82 (-0.58%) 0.16

Financials

Consumer Finance

SoFi Technologies Inc. provides various financial services in the United States Latin America Canada and Hong Kong. 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; 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; and SoFi Invest a mobile-first investment platform that offers access to trading and advisory solutions such as investing and robo-advisory. 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.

Quality Checklist 4/8

Debt/Equity < 1

Net Margin > 10%

Past Net Income CAGR > 0%

Est. EPS Growth > 5%

5Y Shares Out Change < 0%

ROIC > 10%

Quick Ratio > 1

0.0%of Portfolio

My holdings

Day change:

Total change:

Cost basis:

Market cap: $33.55(B)

EV: N/A

Total Equity: $8.78(B)

Earnings date: Jan-26-2026

P/E: 48.81

Forward P/E: 75.19

P/FCF: N/A

P/S: 9.43

P/B: 3.82

EPS: $0.6

EPS (fwd): $0.4

FCF/share: $-2.6

Revenue/share: $3.0

Book value/share: $7.3

ROIC: 6.1%

ROA: 1.6%

ROE: 8.6%

Debt/Equity: 0.32

Current Ratio: 1.10

Gross margin: 82.5%

Operating margin: NaN%

Net margin: 19.5%

Dividend/share: $0.0

Div. yield: 0.00%

All Valuation Overview Growth Financials & KPIs Competitors & Peer Comparison Ownership Tools

SOFI Valuation & Price Targets

Current Price

$27.8

Favorite Valuation Methods

PEvaluation

N/A

Analyst targets

N/A

DCF (2-stage)

N/A

More Valuation Methods

DCF (simple)

N/A

DCF (exit mult.)

N/A

DDM

N/A

EPS growth

N/A

Revenue growth

N/A

Peter Lynch FV

N/A

Graham No.

N/A

PEvaluation

89% overvalued

Low

$2.35

Mid

$3.13

High

$4.01

Current price

$27.82

Fair P/E

Margin of safety

EPS

Market Model

Economic moat: None/narrow

EPS Estimates

	Low	Avg	High	#
FY+1	0.3	0.4	0.4	9
FY+2	0.5	0.6	0.7	9
FY+3	0.6	0.8	1.2	7
FY+4	0.8	0.8	0.8	1
FY+5	1.1	1.1	1.1	1

Analyst Price Targets

2% overvalued

Low

$12.0

Mid

$27.3

High

$38.0

Current price

$27.8

Analyst Recommendations

Strong Buy1

Buy5

Hold11

Sell2

Strong Sell3

2-stage DCF

First Stage Duration: 5 Years

Starting Free Cash Flow
First Stage Growth Rate
LowMidHigh

Terminal Growth Rate
LowMidHigh

Discount Rate

Discounted Cash Flow

Forecast years: 5 Years

Terminal Growth Rate
LowMidHigh

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
LowMidHigh

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
Final Growth Rate
Discount Rate

EPS Growth

Forecast years: 5 Years

Starting EPS
EPS Growth Rate
LowMidHigh

Final P/E
LowMidHigh

Discount Rate

Revenue Growth Valuation

Forecast Years: 10 Years

Base Revenue
Revenue Growth Rate
LowMidHigh

Final Net Margin
LowMidHigh

Final P/E Ratio
LowMidHigh

Discount Rate

Peter Lynch Fair Value

Earnings Per Share
Growth Rate

Graham Formula

Earnings Per Share
EPS Growth (7-10 years)
Government Bond Rate

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