SoFi Technologies

SoFi’s Growth Engine Powers Ahead

yiannisz

Invested

Community Contributor

Published

16 Nov 24

Updated

30 Dec 25

Views

2.3k

n/a

yiannisz's Fair Value

n/a

27.0%

-5.6%

27.0%

-5.6%

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

Author's Valuation

US$1411.6% overvalued

yiannisz's Fair Value

Shared on 30 Dec 25

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

SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth, but balance-sheet ownership.

345 views

Shared on 04 Nov 25

SoFi Stock: Explosive Growth, Real Profits SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor — it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million , up 38% year-over-year , and adjusted net revenue of $950 million.

122 views

Valuator

Company Info

Notes

yiannisz'sFair Value

US$14

11.6% overvalued

Future estimation in

Revenue

Profit Margin

Future PE

Growth p.a.

Decrease

Increase

Forecast revenue growth rate

16.69%

Historical revenue growth rate

30.92%

Consumer Finance revenue growth rate

0.69%

Risk Level (Discount Rate)

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

Decrease

Increase

Current discount rate

7.84%

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