SoFi Technologies, Inc.

DB:6B0 Stock Report

Market Cap: €27.0b

SoFi Technologies Valuation

Is 6B0 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 6B0 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

€8.49
Fair Value
184.7% overvalued intrinsic discount
18
Number of Analysts

Below Fair Value: 6B0 (€23.3) is trading above our estimate of fair value (€8.78)

Significantly Below Fair Value: 6B0 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 6B0?

Key metric: As 6B0 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 6B0. This is calculated by dividing 6B0's market cap by their current earnings.
What is 6B0's PE Ratio?
PE Ratio55.8x
EarningsUS$561.60m
Market CapUS$31.36b

Price to Earnings Ratio vs Peers

How does 6B0's PE Ratio compare to its peers?

The above table shows the PE ratio for 6B0 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.6x
DB1 Deutsche Börse
21x5.77%€41.6b
OT8 Eleving Group
8.2x22.66%€189.8m
DBK Deutsche Bank
10.5x4.88%€57.5b
DWS DWS Group GmbH KGaA
14.7x7.93%€11.1b
6B0 SoFi Technologies
55.8x22.37%€31.4b

Price-To-Earnings vs Peers: 6B0 is expensive based on its Price-To-Earnings Ratio (55.8x) compared to the peer average (13.6x).

Price to Earnings Ratio vs Industry

How does 6B0's PE Ratio compare vs other companies in the European Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
6B0 55.8xIndustry Avg. 10.3xNo. of Companies5PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 6B0 is expensive based on its Price-To-Earnings Ratio (55.8x) compared to the European Consumer Finance industry average (10.3x).

Price to Earnings Ratio vs Fair Ratio

What is 6B0's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

6B0 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio55.8x
Fair PE Ratio35.1x

Price-To-Earnings vs Fair Ratio: 6B0 is expensive based on its Price-To-Earnings Ratio (55.8x) compared to the estimated Fair Price-To-Earnings Ratio (35.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 6B0 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€23.30
€19.10
-18.01%
24.24%€26.82€10.38n/a18
Oct ’26€22.00
€18.36
-16.52%
28.85%€26.41€5.11n/a18
Sep ’26€21.74
€17.78
-18.18%
28.53%€25.68€5.14n/a18
Aug ’26€18.50
€17.32
-6.38%
28.41%€25.91€5.18n/a18
Jul ’26€14.99
€12.25
-18.28%
28.58%€16.96€5.09n/a18
Jun ’26€11.69
€12.51
+7.05%
29.31%€17.72€5.31n/a16
May ’26€10.95
€12.49
+14.10%
29.34%€17.71€5.31n/a16
Apr ’26€11.09
€12.72
+14.70%
32.73%€18.52€4.63n/a16
Mar ’26€13.80
€13.24
-4.05%
32.73%€19.28€4.82n/a16
Feb ’26€15.19
€12.77
-15.94%
31.54%€19.21€4.80n/a16
Jan ’26€15.03
€11.04
-26.57%
34.69%€18.34€3.86n/a15
Dec ’25€15.64
€10.05
-35.73%
37.15%€18.14€3.82n/a15
Nov ’25€10.03
€9.07
-9.56%
30.04%€12.87€3.68n/a15
Oct ’25€6.99
€7.89
+12.84%
31.07%€11.74€3.61€22.0015
Sep ’25€7.23
€7.85
+8.57%
31.07%€11.68€3.60€21.7415
Aug ’25€6.65
€8.09
+21.67%
31.07%€12.05€3.71€18.5015
Jul ’25€6.10
€8.31
+36.30%
29.39%€12.13€3.73€14.9916
Jun ’25€6.30
€8.24
+30.81%
29.39%€12.03€3.70€11.6916
May ’25€6.41
€8.33
+29.97%
29.39%€12.16€3.74€10.9516
Apr ’25€6.94
€8.35
+20.26%
35.95%€13.86€2.77€11.0914
Mar ’25€8.23
€8.65
+5.12%
35.75%€13.84€2.77€13.8016
Feb ’25€7.20
€8.87
+23.16%
33.96%€13.80€2.76€15.1918
Jan ’25€9.22
€8.64
-6.30%
38.04%€13.51€2.70€15.0316
Dec ’24€6.62
€8.73
+31.85%
37.30%€13.78€2.76€15.6417
Nov ’24€7.11
€9.29
+30.60%
36.29%€14.19€2.84€10.0316
Oct ’24€7.63
€9.99
+31.00%
36.56%€15.23€2.86€6.9915
€18.93
Fair Value
27.7% overvalued intrinsic discount
18
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/12 06:34
End of Day Share Price 2025/10/10 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

SoFi Technologies, Inc. is covered by 33 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research
Mihir BhatiaBofA Global Research