
SoFi Technologies Inc.
SOFI 18.62 (5.17%) 0.96
Financials
Consumer Finance
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:
Shares:Cost basis:
Market cap: $23.88(B)
EV: N/A
Total Equity: $10.81(B)
Earnings date: Jul-27-2026
P/E: 38.79
Forward P/E: 31.56
P/FCF: N/A
P/S: 5.69
P/B: 2.21
EPS: $0.5
EPS (fwd): $0.6
FCF/share: $-4.9
Revenue/share: $3.3
Book value/share: $8.4
ROIC: 6.1%
ROA: 1.6%
ROE: 8.6%
Debt/Equity: 0.18
Current Ratio: 1.10
Gross margin: 83.5%
Operating margin: NaN%
Net margin: 14.8%
Dividend/share: $0.0
Div. yield: 0.00%
SOFI Valuation & Price Targets
Current Price
$18.6
Favorite Valuation Methods
More Valuation Methods
DCF (simple)
N/A
N/A
DCF (exit mult.)
N/A
N/A
DDM
N/A
N/A
EPS growth
N/A
N/A
Revenue growth
N/A
N/A
Peter Lynch FV
N/A
N/A
Graham No.
N/A
N/A
PEvaluation
82% overvalued
Low
$2.45
Mid
$3.27
High
$4.09
Current price
$18.62
Fair P/E
Margin of safety
EPS
Market Model
Economic moat: None/narrow
EPS Estimates
| Low | Avg | High | # | |
| FY+1 | 0.6 | 0.6 | 0.6 | 9 |
| FY+2 | 0.8 | 0.8 | 0.8 | 8 |
| FY+3 | 1.0 | 1.1 | 1.1 | 5 |
| FY+4 | 1.4 | 1.4 | 1.4 | 1 |
| FY+5 | 1.7 | 1.7 | 1.7 | 1 |
Analyst Price Targets
3% overvalued
Low
$12.0
Mid
$18.0
High
$31.0
Current price
$18.6
Analyst Recommendations
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:
Discounted Cash Flow (exit mult.)
Forecast years: 5 Years | |
Exit FCF Multiple | |
LowMidHigh | |
| Discount Rate | |
Free cash flow estimates:
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 |
