SOFI logo
SoFi Technologies Inc.
SOFI
15.43 (-1.53%) 0.24
Market cap
$19.93(B)
Earnings date
Oct-26-2026
Category
Sector
Financials
Industry
Consumer Finance
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.
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

SOFI Valuation & Price Targets

Favorite Valuation Methods

PEvaluation
—
Analyst targets
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DCF (2-stage)
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More Valuation Methods

DCF (simple)
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DCF (exit mult.)
—
DDM
—
EPS growth
—
Revenue growth
—
Peter Lynch FV
—
Graham No.
—

PEvaluation

CURRENT PRICE
$15
70% Overvalued
BEAR
BASE
BULL
Fair P/E
Margin of safety
EPS
Market Model
ROICRevenue growthFCF MarginShares outstan...Debt/EquityDebt/EBITDA
Economic moat: None/narrow

EPS Estimates

LowAvgHigh#
FY+10.60.60.69
FY+20.80.80.99
FY+31.01.11.25
FY+41.41.41.41
FY+51.71.71.71

Analyst Price Targets

CURRENT PRICE
$15
23% Undervalued
BEAR
BASE
BULL

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
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
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
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