SoFi Technologies

SoFi’s Growth Engine Powers Ahead

yiannisz

Invested

Community Contributor

Published

16 Nov 24

Updated

30 Dec 25

Views

2.4k

30 Dec

US$15.69

yiannisz's Fair Value

US$14.00

12.1% overvalued

22.6%

2.5%

22.6%

2.5%

You can edit this narrative until Dec 31 3:05 PM. Then, changes will post as Updates.

Author's Valuation

US$1412.1% overvalued

yiannisz's Fair Value

Shared on 30 Dec 25

SoFi Stock: When a Fintech Starts Behaving Like a Platform Bank

SoFi is moving beyond being just a lending app by funding loans with customer deposits and selling more financial services under one roof, which can make it feel more like a real bank with a platform built on repeat customers. The big question is whether it can keep credit losses and profit pressure under control as it grows these new revenue streams.

367 views

Shared on 04 Nov 25

SoFi reports a standout quarter with continued profitability, fast member growth, and a bigger mix of income coming from services and its technology platform instead of just lending. The big thing to watch is whether those newer lines can keep growing enough to offset pressure if borrowing slows or interest rates move against it.

126 views

Valuator

Company Info

Notes

yiannisz'sFair Value

US$14

12.1% overvalued

Future estimation in

Revenue

Profit Margin

Future PE

Growth p.a.

Decrease

Increase

Forecast revenue growth rate

16.06%

Historical revenue growth rate

30.11%

Consumer Finance revenue growth rate

0.73%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

7.83%

Calculation

US$375.24m

Earnings '29

80.21x

PE Ratio '29

US$30.10b

Market Cap '29

US$30.10b

Market Cap '29

1.52b

No. shares '29

US$19.78

Share Price '29

US$19.78 Share Price '29

Discounted to 2024 @ 7.15% p.a.

US$14.00

Fair Value '24