SoFi Technologies, Inc.

NasdaqGS:SOFI Stock Report

Market Cap: US$16.1b

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.

Discounted Cash Flow
Simply Wall St
US$5.65
Fair Value
159.8% overvalued intrinsic discount
15
Number of Analysts

Below Fair Value: SOFI ($14.67) is trading above our estimate of fair value ($5.65)

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 Ratio32.2x
EarningsUS$498.67m
Market CapUS$16.07b

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 Average14.4x
KSPI Kaspi.kz
10.1x20.8%US$19.4b
SYF Synchrony Financial
7x1.6%US$23.9b
ALLY Ally Financial
20.6x33.9%US$11.5b
FCFS FirstCash Holdings
19.8x13.9%US$5.1b
SOFI SoFi Technologies
32.2x19.0%US$16.1b

Price-To-Earnings vs Peers: SOFI is expensive based on its Price-To-Earnings Ratio (32.2x) compared to the peer average (14.4x).

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
No more companies available in this PE range
SOFI 32.2xIndustry Avg. 12.6xNo. of Companies7PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SOFI is expensive based on its Price-To-Earnings Ratio (32.2x) compared to the US Consumer Finance industry average (12.6x).

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 Ratio32.2x
Fair PE Ratio24.6x

Price-To-Earnings vs Fair Ratio: SOFI is expensive based on its Price-To-Earnings Ratio (32.2x) compared to the estimated Fair Price-To-Earnings Ratio (24.6x).

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$14.67
US$13.85
-5.6%
26.9%US$20.00US$6.00n/a15
Feb ’26US$15.78
US$13.29
-15.8%
31.5%US$20.00US$5.00n/a16
Jan ’26US$15.40
US$11.43
-25.8%
34.7%US$19.00US$4.00n/a15
Dec ’25US$16.41
US$10.53
-35.8%
37.2%US$19.00US$4.00n/a15
Nov ’25US$11.04
US$9.87
-10.6%
30.0%US$14.00US$4.00n/a15
Oct ’25US$7.63
US$8.73
+14.5%
31.1%US$13.00US$4.00n/a15
Sep ’25US$7.99
US$8.73
+9.3%
31.1%US$13.00US$4.00n/a15
Aug ’25US$7.16
US$8.73
+22.0%
31.1%US$13.00US$4.00n/a15
Jul ’25US$6.43
US$8.91
+38.5%
29.4%US$13.00US$4.00n/a16
Jun ’25US$6.90
US$8.91
+29.1%
29.4%US$13.00US$4.00n/a16
May ’25US$6.92
US$8.91
+28.7%
29.4%US$13.00US$4.00n/a16
Apr ’25US$7.22
US$9.04
+25.1%
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$3.00US$15.7818
Jan ’25US$9.95
US$9.59
-3.6%
38.0%US$15.00US$3.00US$15.4016
Dec ’24US$7.83
US$9.50
+21.3%
37.3%US$15.00US$3.00US$16.4117
Nov ’24US$7.58
US$9.81
+29.5%
36.3%US$15.00US$3.00US$11.0416
Oct ’24US$7.99
US$10.50
+31.4%
36.6%US$16.00US$3.00US$7.6315
Sep ’24US$8.79
US$10.44
+18.7%
35.7%US$16.00US$3.00US$7.9916
Aug ’24US$10.35
US$9.75
-5.8%
36.5%US$16.00US$3.00US$7.1616
Jul ’24US$8.34
US$8.23
-1.3%
37.0%US$14.00US$3.00US$6.4315
Jun ’24US$6.82
US$7.46
+9.4%
32.8%US$14.00US$3.00US$6.9014
May ’24US$5.47
US$7.96
+45.5%
26.9%US$14.00US$5.00US$6.9213
Apr ’24US$6.07
US$8.04
+32.4%
26.2%US$14.00US$5.00US$7.2213
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
Analyst Price Target
Consensus Narrative from 15 Analysts
US$13.85
Fair Value
5.9% 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 Analysis2025/02/22 04:06
End of Day Share Price 2025/02/21 00:00
Earnings2024/12/31
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 26 analysts. 13 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