SOFI Share Price Performance
US$17.70
6.31 (55.40%)
23.0% undervalued intrinsic discount
US$22.98
Fair Value
Price US$17.70
Yang_ US$22.98
AnalystConsensusTarget US$26.75
Quant_Trader US$39.98
Fair ValueUS$22.98
Share Pricen/a
SoFi Technologies, Inc. Stock Price
- 7 Narratives written by author
- 8 Comments on narratives written by author
- 1000 Fair Values set on narratives written by author
SOFI Community Narratives
YA
Fair Value US$22.98 23.0% undervalued intrinsic discount
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
30users have liked this narrative
0users have commented on this narrative
36users have followed this narrative
AN
Fair Value US$26.75 33.8% undervalued intrinsic discount
Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward
2users have liked this narrative
4users have commented on this narrative
364users have followed this narrative
QU
Fair Value US$39.98 55.7% undervalued intrinsic discount
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
3users have liked this narrative
1users have commented on this narrative
14users have followed this narrative
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.Read more
5.5k
users have viewed this narrative30users have liked this narrative
0users have commented on this narrative
36users have followed this narrative
SOFI-licious Dip
SOFI currently trades at around $18.39/share as of close on 2 March. Marking a significant pullback since its 52-week high of ~$32.50 in November last year.Read more
64
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
4users have followed this narrative
JG
US$18.83
6.0% undervalued intrinsic discount
JGabriels's Fair Value
Revenue
15.9% p.a.
Profit Margin
13.43%
Future PE
48.72x
Price in 2031
US$27.42
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
Analyzing SoFi’s valuation requires looking at its transition from a high-growth fintech disruptor to a diversified, profitable financial powerhouse. Based on recent 2026 data and long-term analyst projections, here is a breakdown of where the business is headed.Read more
585
users have viewed this narrative3users have liked this narrative
1users have commented on this narrative
14users have followed this narrative
QU
US$39.98
55.7% undervalued intrinsic discount
Quant_Trader's Fair Value
Revenue
33% p.a.
Profit Margin
13.43%
Future PE
51.9x
Price in 2031
US$58.33
SoFi’s Growth Engine Powers Ahead
SoFi Technologies (SOFI) continues to ride the waves in the financial world, propelled by robust membership growth, product adoption, and diversification across its ecosystem. In Q3 2024, the company declared a massive stock price increase over the past month, propelled by investors’ strong confidence in the company’s performance and general potential for further growth.Read more
2.3k
users have viewed this narrative2users have liked this narrative
2users have commented on this narrative
115users have followed this narrative
YI
US$14
26.4% overvalued intrinsic discount
yiannisz's Fair Value
Revenue
15.27% p.a.
Profit Margin
7.32%
Future PE
80.21x
Price in 2029
US$19.78
Rising Blockchain Regulation And Fintech Competition Will Erode Profitability
Key Takeaways Mounting regulatory, interest rate, and policy shifts threaten core lending and emerging segments, pressuring margins and complicating expansion of SoFi's digital-focused business model. Fierce competition, customer acquisition costs, and high equity compensation risk eroding profitability through shareholder dilution, ongoing expense pressure, and muted earnings per share growth.Read more
169
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
5users have followed this narrative
AN
US$12.37
43.1% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
15.54% p.a.
Profit Margin
23.47%
Future PE
18.66x
Price in 2029
US$15.49
Digital Banking And AI Will Transform Tech Ecosystems
Key Takeaways SoFi's innovative tech, AI adoption, and expanding product suite position it to capture outsized market share and drive structurally higher margins in digital finance. Scalable platform partnerships and deep consumer engagement enable robust cross-selling, unlocking high-margin revenue streams and resilience against economic cycles.Read more
650
users have viewed this narrative1users have liked this narrative
0users have commented on this narrative
90users have followed this narrative
AN
US$38
53.4% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
26.71% p.a.
Profit Margin
24.06%
Future PE
42.29x
Price in 2029
US$47.65
Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward
Key Takeaways Investor expectations may be too optimistic about ongoing rapid growth in digital adoption, cross-sell potential, and new revenue streams. Rising competition, macroeconomic risks, and regulatory uncertainty could hinder projected margin expansion and profitability.Read more
2.8k
users have viewed this narrative2users have liked this narrative
4users have commented on this narrative
364users have followed this narrative
AN
US$26.75
33.8% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
22.01% p.a.
Profit Margin
22.04%
Future PE
36.47x
Price in 2029
US$33.6
Trending Discussion
Recently Updated Narratives
YA
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
Fair Value: US$22.98 23.0% undervalued intrinsic discount
36 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
JG
SOFI-licious Dip
Fair Value: US$18.83 6.0% undervalued intrinsic discount
4 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
QU
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
Fair Value: US$39.98 55.7% undervalued intrinsic discount
14 followersusers have followed this narrative
1 commentusers have commented on this narrative
0 likesusers have liked this narrative
Snowflake Analysis
SoFi Technologies, Inc. Key Details
About SOFI
- Founded
- 2011
- Employees
- 6100
- CEO
- WebsiteView website
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.
