SoFi (SOFI): Examining Valuation After Three-Year Total Shareholder Return Surges 473%

SoFi Technologies (SOFI) stock has seen notable swings over the past month, drawing the attention of investors interested in diversified financial services. The company’s performance trends offer insight into how market sentiment shapes growth expectations.

See our latest analysis for SoFi Technologies.

SoFi’s share price momentum has been lively, with a one-day gain of 1.83% helping to offset steeper dips from earlier in the week. Despite some recent pressure, the stock sports an impressive year-to-date share price return of 89.10% and a remarkable 473.39% total shareholder return over three years. This suggests that long-term enthusiasm remains strong even as near-term sentiment shifts.

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But with recent gains and robust long-term returns, the big question for investors is whether SoFi is actually trading below its true value or if the market has already accounted for most of its future growth potential.

Most Popular Narrative: 90.9% Overvalued

At a last close price of $26.72, the narrative calculates SoFi Technologies’ fair value at just $14.00. This striking gap raises questions about the stock’s current momentum and what could support such a difference.

SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor but 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. Net income reached $139 million, marking its eighth consecutive quarter of profitability, while adjusted EBITDA rose 49% to $277 million.

Read the complete narrative.

Want to see what’s behind this massive valuation gulf? The narrative’s math revolves around growth rates and profit margins more typical of industry trailblazers than up-and-coming fintechs. Which assumptions turn today’s price into a potential bubble or set the stage for future upside? There is a bold story driving these numbers, and it is not the one Wall Street is telling.

Result: Fair Value of $14.00 (OVERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, interest rate volatility or intensified competition could quickly challenge SoFi’s growth optimism and force the market to reconsider its current valuation story.

Find out about the key risks to this SoFi Technologies narrative.

Build Your Own SoFi Technologies Narrative

If you see things differently or want to dig deeper into SoFi Technologies’ numbers, you can put together your own narrative based on the data in just a few minutes. Do it your way

A great starting point for your SoFi Technologies research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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