SoFi Technologies, Inc.

NasdaqGS:SOFI Stock Report

Mkt Cap: US$5.4b

We’ve recently updated our valuation analysis.

SoFi Technologies Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

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 Book Ratio vs Peers

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

The above table shows the PB ratio for SOFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.8x
CACC Credit Acceptance
3.7x-10.9%US$5.8b
LU Lufax Holding
0.5x19.4%US$6.3b
OMF OneMain Holdings
1.7x-1.6%US$5.2b
QFIN 360 DigiTech
1.4x22.4%US$3.6b
SOFI SoFi Technologies
1x68.0%US$5.4b

Price-To-Book vs Peers: SOFI is good value based on its Price-To-Book Ratio (1x) compared to the peer average (1.8x).


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/a3.4%
n/an/an/a

Price-To-Book vs Industry: SOFI is expensive based on its Price-To-Book Ratio (1x) compared to the US Consumer Finance industry average (1x)


Price to Book Ratio vs Fair Ratio

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

SOFI PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate SOFI's Price-To-Book Fair Ratio for valuation analysis.


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.


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$5.79
US$7.50
+29.5%
32.6%US$14.50US$5.00n/a13
Jan ’24US$4.61
US$7.79
+69.0%
30.6%US$14.50US$5.00n/a12
Dec ’23US$4.74
US$7.88
+66.1%
30.4%US$14.50US$5.00n/a12
Nov ’23US$5.73
US$8.58
+49.8%
26.1%US$15.00US$6.00n/a12
Oct ’23US$4.88
US$9.04
+85.3%
23.0%US$15.00US$7.00n/a12
Sep ’23US$5.85
US$8.96
+53.1%
23.4%US$15.00US$7.00n/a12
Aug ’23US$6.36
US$8.83
+38.9%
24.8%US$15.00US$7.00n/a12
Jul ’23US$5.41
US$10.96
+102.6%
43.2%US$22.00US$7.00n/a13
Jun ’23US$7.05
US$11.12
+57.7%
42.0%US$22.00US$7.00n/a13
May ’23US$6.12
US$14.65
+139.4%
23.8%US$22.00US$10.00n/a13
Apr ’23US$9.33
US$17.15
+83.8%
22.4%US$22.00US$10.00n/a10
Mar ’23US$11.20
US$18.13
+61.8%
13.8%US$22.00US$14.00n/a12
Feb ’23US$13.27
US$20.23
+52.4%
17.2%US$28.00US$16.00n/a11
Jan ’23US$15.81
US$24.00
+51.8%
15.8%US$30.00US$19.00US$4.619
Dec ’22US$16.39
US$25.13
+53.3%
15.5%US$30.00US$19.00US$4.748
Nov ’22US$22.62
US$24.00
+6.1%
17.5%US$30.00US$16.50US$5.737
Oct ’22US$16.45
US$23.83
+44.9%
18.9%US$30.00US$16.50US$4.886
Sep ’22US$14.57
US$24.50
+68.2%
16.4%US$30.00US$20.50US$5.853
Aug ’22US$15.44
US$25.17
+63.0%
15.4%US$30.00US$20.50US$6.363
Jul ’22US$18.25
US$25.17
+37.9%
15.4%US$30.00US$20.50US$5.413
Jun ’22US$22.65
US$25.00
+10.4%
0%US$25.00US$25.00US$7.051

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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