SoFi Technologies, Inc.

NasdaqGS:SOFI Stock Report

Market Cap: US$15.6b

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.

Below Fair Value: SOFI ($14.67) is trading above our estimate of fair value ($2.92)

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 Ratio86.3x
EarningsUS$184.39m
Market CapUS$15.65b

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 Average12.9x
KSPI Kaspi.kz
10.3x23.7%US$20.9b
ALLY Ally Financial
14x28.4%US$10.8b
FCFS FirstCash Holdings
19.2x17.3%US$4.7b
SYF Synchrony Financial
8.1x-8.3%US$24.8b
SOFI SoFi Technologies
86.3x35.8%US$15.6b

Price-To-Earnings vs Peers: SOFI is expensive based on its Price-To-Earnings Ratio (86.3x) compared to the peer average (12.9x).

Price to Earnings Ratio vs Industry

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

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.5xn/aUS$515.52m
JFIN Jiayin Group
1.9xn/aUS$360.62m
XYF X Financial
1.7xn/aUS$308.99m
No more companies available in this PE range
SOFI 86.3xIndustry Avg. 12.2xNo. of Companies4PE0816243240+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SOFI is expensive based on its Price-To-Earnings Ratio (86.3x) compared to the US Consumer Finance industry average (12.2x).

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 Ratio86.3x
Fair PE Ratio29.6x

Price-To-Earnings vs Fair Ratio: SOFI is expensive based on its Price-To-Earnings Ratio (86.3x) compared to the estimated Fair Price-To-Earnings Ratio (29.6x).

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$10.07
-31.4%
31.9%US$16.00US$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$3.00n/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$3.00US$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
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

Analyst Forecast: Target price is lower than the current share price.

Discover undervalued companies

VEF

SEK 2.2b

A venture capital firm specializing in early venture, emerging growth and growth capital investments.

VEFF.F

SEK 0.20

7D

0%

1Y

n/a

Federal Home Loan Mortgage

US$10.4b

Operates in the secondary mortgage market in the United States.

FMCC

US$2.92

7D

0%

1Y

358.8%

ORIX

JP¥3.8t

Provides diversified financial services in Japan, the United States, Asia, Europe, Australasia, and the Middle East.

IX

JP¥106.82

7D

-0.9%

1Y

17.5%