SoFi Technologies, Inc.

BMV:SOFI * Stock Report

Market Cap: Mex$330.3b

SoFi Technologies Valuation

Is SOFI * 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 SOFI * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate SOFI *'s fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate SOFI *'s fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SOFI *?

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

The above table shows the Price to Earnings ratio for SOFI *. This is calculated by dividing SOFI *'s market cap by their current earnings.
What is SOFI *'s PE Ratio?
PE Ratio85.6x
EarningsUS$184.39m
Market CapUS$16.18b

Price to Earnings Ratio vs Peers

How does SOFI *'s PE Ratio compare to its peers?

The above table shows the PE ratio for SOFI * vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.3x
GENTERA * Gentera. de
7.1x16.8%Mex$39.0b
FINDEP * Financiera Independencia. de SOFOM E.N.R
3.1xn/aMex$2.4b
511218 Shriram Finance
13.2x13.6%₹1.1t
KSPI Kaspi.kz
9.8x23.7%US$18.1b
SOFI * SoFi Technologies
85.6x30.1%Mex$16.2b

Price-To-Earnings vs Peers: SOFI * is expensive based on its Price-To-Earnings Ratio (85.6x) compared to the peer average (8.4x).

Price to Earnings Ratio vs Industry

How does SOFI *'s PE Ratio compare vs other companies in the Global Consumer Finance Industry?

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No. of Companies41PE01020304050+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SOFI * is expensive based on its Price-To-Earnings Ratio (85.6x) compared to the Global Consumer Finance industry average (13.9x).

Price to Earnings Ratio vs Fair Ratio

What is SOFI *'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.

SOFI * PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio85.6x
Fair PE Ratio18.1x

Price-To-Earnings vs Fair Ratio: SOFI * is expensive based on its Price-To-Earnings Ratio (85.6x) compared to the estimated Fair Price-To-Earnings Ratio (18.1x).

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 SOFI * forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentMex$297.20
Mex$245.95
-17.2%
33.8%Mex$386.20Mex$81.31n/a15
Jan ’26Mex$325.00
Mex$238.11
-26.7%
34.7%Mex$395.70Mex$83.30n/a15
Dec ’25Mex$334.49
Mex$209.40
-37.4%
32.4%Mex$330.63Mex$82.66n/a15
Nov ’25Mex$224.25
Mex$197.49
-11.9%
30.0%Mex$280.22Mex$80.06n/a15
Oct ’25Mex$154.00
Mex$171.29
+11.2%
31.1%Mex$254.97Mex$78.45n/a15
Sep ’25Mex$156.89
Mex$162.70
+3.7%
31.1%Mex$242.19Mex$74.52n/a15
Aug ’25Mex$134.00
Mex$162.70
+21.4%
31.1%Mex$242.19Mex$74.52n/a15
Jul ’25Mex$120.30
Mex$147.87
+22.9%
29.4%Mex$215.84Mex$66.41n/a16
Jun ’25Mex$117.20
Mex$147.87
+26.2%
29.4%Mex$215.84Mex$66.41n/a16
May ’25Mex$116.00
Mex$151.56
+30.7%
29.4%Mex$221.23Mex$68.07n/a16
Apr ’25Mex$120.89
Mex$149.67
+23.8%
36.0%Mex$248.46Mex$49.69n/a14
Mar ’25Mex$153.50
Mex$159.55
+3.9%
35.8%Mex$255.28Mex$51.06n/a16
Feb ’25Mex$131.82
Mex$164.69
+24.9%
34.0%Mex$256.30Mex$51.26n/a18
Jan ’25Mex$169.99
Mex$165.10
-2.9%
38.0%Mex$258.14Mex$51.63Mex$325.0016
Dec ’24Mex$134.78
Mex$163.30
+21.2%
37.3%Mex$257.84Mex$51.57Mex$334.4917
Nov ’24Mex$135.00
Mex$176.92
+31.0%
36.3%Mex$270.45Mex$54.09Mex$224.2516
Oct ’24Mex$139.51
Mex$179.82
+28.9%
36.6%Mex$274.02Mex$51.38Mex$154.0015
Sep ’24Mex$150.99
Mex$176.62
+17.0%
35.7%Mex$270.75Mex$50.77Mex$156.8916
Aug ’24Mex$174.67
Mex$164.40
-5.9%
36.5%Mex$269.78Mex$50.58Mex$134.0016
Jul ’24Mex$144.91
Mex$141.38
-2.4%
37.0%Mex$240.41Mex$51.52Mex$120.3015
Jun ’24Mex$118.50
Mex$132.03
+11.4%
32.8%Mex$247.64Mex$53.07Mex$117.2014
May ’24Mex$112.57
Mex$142.74
+26.8%
26.9%Mex$251.00Mex$89.64Mex$116.0013
Apr ’24Mex$109.70
Mex$144.87
+32.1%
26.2%Mex$252.31Mex$90.11Mex$120.8913
Mar ’24Mex$116.95
Mex$149.37
+27.7%
27.7%Mex$269.44Mex$92.91Mex$153.5013
Feb ’24Mex$137.94
Mex$146.29
+6.1%
29.5%Mex$273.03Mex$94.15Mex$131.8213
Jan ’24Mex$88.99
Mex$153.94
+73.0%
30.6%Mex$286.47Mex$98.78Mex$169.9912
Analyst Price Target
Consensus Narrative from 15 Analysts
Mex$247.16
Fair Value
20.2% overvalued intrinsic discount
15
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 Analysis2025/01/08 17:57
End of Day Share Price 2025/01/08 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

SoFi Technologies, Inc. is covered by 27 analysts. 12 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