SOFI Fair Value Estimate
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
SoFi Technologies Inc
SoFi is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial products and services helps its more than 7.5 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app. SoFi also equips members with the resources they need to get ahead – like career advisors, Credentialed Financial Planners, exclusive experiences and events, and a thriving community – on their path to financial independence. SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
SOFI's revenue grew at a 41.9% CAGR over the last 6 years.
Current Price
$16.43
+2.05%GoodMoat Value
$21.57
31.3% undervaluedBlended fair value estimate based on DCF, Graham Number, and earnings-based models.
Graham Number, PEG-based, and Earnings-based models
View Fair Value →SoFi Technologies Inc (SOFI) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for SoFi Technologies Inc is $21.57. The current stock price is $16.43, suggesting the stock is 31.3% undervalued.
The price-to-earnings (P/E) ratio is 41.16. Price-to-book ratio is 1.89. Price-to-sales ratio is 5.48. Enterprise value to EBITDA is 21.55. PEG ratio is -0.77.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of SoFi Technologies Inc's intrinsic value.