SoFi Technologies, Inc.

NasdaqGS:SOFI Stock Report

Market Cap: US$34.6b

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.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Fair Value: SOFI ($27.4) is trading above our estimate of fair value ($12.35)

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?

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 Ratio54.1x
EarningsUS$640.24m
Market CapUS$34.62b

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 Average16.6x
SYF Synchrony Financial
9x-4.40%US$31.3b
KSPI Kaspi.kz
7.2x15.35%US$15.6b
ALLY Ally Financial
26.9x34.46%US$14.1b
FCFS FirstCash Holdings
23.5x17.43%US$7.3b
SOFI SoFi Technologies
53.9x21.08%US$34.9b

Price-To-Earnings vs Peers: SOFI is expensive based on its Price-To-Earnings Ratio (53.9x) compared to the peer average (16.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

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

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
LX LexinFintech Holdings
1.9x12.00%US$518.25m
JFIN Jiayin Group
1.5xn/aUS$369.32m
YRD Yiren Digital
2xn/aUS$352.54m
XYF X Financial
1xn/aUS$253.68m
SOFI 54.1xIndustry Avg. 9.5xNo. of Companies6PE0816243240+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SOFI is expensive based on its Price-To-Earnings Ratio (53.9x) compared to the US Consumer Finance industry average (9.5x).

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 Ratio54.1x
Fair PE Ratio24.8x

Price-To-Earnings vs Fair Ratio: SOFI is expensive based on its Price-To-Earnings Ratio (53.9x) compared to the estimated Fair Price-To-Earnings Ratio (24.8x).

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$27.40
US$27.11
-1.05%
26.66%US$38.00US$12.00n/a18
Jan ’27US$26.18
US$27.38
+4.59%
26.60%US$38.00US$12.00n/a17
Dec ’26US$29.03
US$26.44
-8.91%
26.92%US$38.00US$12.00n/a18
Nov ’26US$29.68
US$25.92
-12.68%
27.67%US$38.00US$12.00n/a18
Oct ’26US$25.76
US$21.56
-16.32%
28.85%US$31.00US$6.00n/a18
Sep ’26US$25.54
US$20.78
-18.65%
28.53%US$30.00US$6.00n/a18
Aug ’26US$21.23
US$20.06
-5.53%
28.41%US$30.00US$6.00n/a18
Jul ’26US$17.64
US$14.45
-18.10%
28.58%US$20.00US$6.00n/a18
Jun ’26US$13.30
US$14.13
+6.22%
29.31%US$20.00US$6.00n/a16
May ’26US$12.51
US$14.11
+12.76%
29.34%US$20.00US$6.00n/a16
Apr ’26US$11.91
US$13.73
+15.29%
32.73%US$20.00US$5.00n/a16
Mar ’26US$14.47
US$13.73
-5.11%
32.73%US$20.00US$5.00n/a16
Feb ’26US$15.78
US$13.29
-15.76%
31.54%US$20.00US$5.00n/a16
Jan ’26US$15.40
US$11.43
-25.76%
34.69%US$19.00US$4.00US$26.1815
Dec ’25US$16.41
US$10.53
-35.81%
37.15%US$19.00US$4.00US$29.0315
Nov ’25US$11.04
US$9.87
-10.63%
30.04%US$14.00US$4.00US$29.6815
Oct ’25US$7.63
US$8.73
+14.46%
31.07%US$13.00US$4.00US$25.7615
Sep ’25US$7.99
US$8.73
+9.30%
31.07%US$13.00US$4.00US$25.5415
Aug ’25US$7.16
US$8.73
+21.97%
31.07%US$13.00US$4.00US$21.2315
Jul ’25US$6.43
US$8.91
+38.51%
29.39%US$13.00US$4.00US$17.6416
Jun ’25US$6.90
US$8.91
+29.08%
29.39%US$13.00US$4.00US$13.3016
May ’25US$6.92
US$8.91
+28.70%
29.39%US$13.00US$4.00US$12.5116
Apr ’25US$7.22
US$9.04
+25.15%
35.95%US$15.00US$3.00US$11.9114
Mar ’25US$8.99
US$9.38
+4.28%
35.75%US$15.00US$3.00US$14.4716
Feb ’25US$7.73
US$9.64
+24.69%
33.96%US$15.00US$3.00US$15.7818
Jan ’25US$9.95
US$9.59
-3.58%
38.04%US$15.00US$3.00US$15.4016
US$27.11
Fair Value
1.1% 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 Analysis2026/01/11 01:48
End of Day Share Price 2026/01/09 00:00
Earnings2025/09/30
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 32 analysts. 17 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