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SOFI
SoFi Technologies

SoFi’s Growth Engine Powers Ahead

YI
yiannisz
Invested
Community Contributor
Published
16 Nov 24
Updated
30 Dec 25
Views
2.1k
n/a
n/a
yiannisz's Fair Value
n/a
1Y
44.9%
7D
-4.4%
Loading
1Y
44.9%
7D
-4.4%

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

Author's Valuation

US$1482.1% overvalued intrinsic discount

yiannisz's Fair Value

Narrative
Updates2

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.
Read more

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.
Read more
yiannisz'sFair Value
US$14
82.1% overvalued intrinsic discount
Future estimation in
PastFuture-549m5b20172019202120232024202520272029Revenue US$5.1bEarnings US$375.2m
Growth p.a.
%
Decrease
Increase
Current revenue growth rate
15.60%
Consumer Finance revenue growth rate
0.74%
Risk Level (Discount Rate)
Our default considers factors like the company's size, volatility, profitablity and country of operation.
%
0
Decrease
Increase
Current discount rate
7.98%
Calculation
US$375.24m
Earnings '29
x
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
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