SoFi Technologies, Inc.

NasdaqGS:SOFI Stock Report

Market Cap: US$7.7b

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-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales 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: SOFI ($7.3) is trading above our estimate of fair value ($3.13)

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


Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

SOFI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Sales Ratio vs Peers

How does SOFI's PS Ratio compare to its peers?

The above table shows the PS ratio for SOFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average3.4x
FCFS FirstCash Holdings
1.8x8.7%US$5.7b
CACC Credit Acceptance
7.5x36.3%US$6.8b
OMF OneMain Holdings
2.4x28.5%US$6.1b
ALLY Ally Financial
1.7x8.9%US$12.1b
SOFI SoFi Technologies
3.7x13.9%US$7.7b

Price-To-Sales vs Peers: SOFI is expensive based on its Price-To-Sales Ratio (3.7x) compared to the peer average (3.4x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a12.6%
n/an/an/a
No. of CompaniesPS048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a12.6%
n/an/an/a
No more companies

Price-To-Sales vs Industry: SOFI is expensive based on its Price-To-Sales Ratio (3.7x) compared to the US Consumer Finance industry average (1.3x).


Price to Sales Ratio vs Fair Ratio

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

SOFI PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio3.7x
Fair PS Ratio3.4x

Price-To-Sales vs Fair Ratio: SOFI is expensive based on its Price-To-Sales Ratio (3.7x) compared to the estimated Fair Price-To-Sales Ratio (3.4x).


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
CurrentUS$7.30
US$9.04
+23.8%
36.0%US$15.00US$3.00n/a14
Mar ’25US$8.99
US$9.38
+4.3%
35.8%US$15.00US$3.00n/a16
Feb ’25US$7.73
US$9.64
+24.7%
34.0%US$15.00US$3.00n/a18
Jan ’25US$9.95
US$9.59
-3.6%
38.0%US$15.00US$3.00n/a16
Dec ’24US$7.83
US$9.50
+21.3%
37.3%US$15.00US$3.00n/a17
Nov ’24US$7.58
US$9.81
+29.5%
36.3%US$15.00US$3.00n/a16
Oct ’24US$7.99
US$10.50
+31.4%
36.6%US$16.00US$3.00n/a15
Sep ’24US$8.79
US$10.44
+18.7%
35.7%US$16.00US$3.00n/a16
Aug ’24US$10.35
US$9.75
-5.8%
36.5%US$16.00US$3.00n/a16
Jul ’24US$8.34
US$8.23
-1.3%
37.0%US$14.00US$3.00n/a15
Jun ’24US$6.82
US$7.46
+9.4%
32.8%US$14.00US$3.00n/a14
May ’24US$5.47
US$7.96
+45.5%
26.9%US$14.00US$5.00n/a13
Apr ’24US$6.07
US$8.04
+32.4%
26.2%US$14.00US$5.00n/a13
Mar ’24US$6.44
US$8.04
+24.8%
27.7%US$14.50US$5.00US$8.9913
Feb ’24US$7.38
US$7.77
+5.3%
29.5%US$14.50US$5.00US$7.7313
Jan ’24US$4.61
US$7.79
+69.0%
30.6%US$14.50US$5.00US$9.9512
Dec ’23US$4.74
US$7.88
+66.1%
30.4%US$14.50US$5.00US$7.8312
Nov ’23US$5.73
US$8.58
+49.8%
26.1%US$15.00US$6.00US$7.5812
Oct ’23US$4.88
US$9.04
+85.3%
23.0%US$15.00US$7.00US$7.9912
Sep ’23US$5.85
US$8.96
+53.1%
23.4%US$15.00US$7.00US$8.7912
Aug ’23US$6.36
US$8.83
+38.9%
24.8%US$15.00US$7.00US$10.3512
Jul ’23US$5.41
US$10.96
+102.6%
43.2%US$22.00US$7.00US$8.3413
Jun ’23US$7.05
US$11.12
+57.7%
42.0%US$22.00US$7.00US$6.8213
May ’23US$6.12
US$14.65
+139.4%
23.8%US$22.00US$10.00US$5.4713
Apr ’23US$9.33
US$17.15
+83.8%
22.4%US$22.00US$10.00US$6.0710
Mar ’23US$11.20
US$18.13
+61.8%
13.8%US$22.00US$14.00US$6.4412

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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