Stock AnalizSoFi Technologies, Inc. SOFI
Finance: Consumer Services · data as of November 13, 2026
SoFi Technologies, Inc. (SOFI) is a financial company listed in the US with a market value of about $20.0B. In the twelve months to September 30, 2026 it had revenue of $4.7B and net income of $738M, a net margin of 15.6%.
Its overall Stock Analiz score is 1.6 out of 5 (weak). The strongest part is future growth (4/5); the weakest is shareholder returns (0/5).
Key numbers: a P/E of 27.5, 5-year revenue growth of 45% a year, a 5-year average ROIC of 1%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 0% above the current price.
Score: 1.6 / 5
Checks passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.7B | $3.6B | $2.7B | $2.1B | $1.6B | $985M | $566M | $443M |
| Net income | $738M | $481M | $499M | -$301M | -$320M | -$484M | -$224M | -$240M |
| Free cash flow | -$10.5B | -$4.0B | -$1.3B | -$7.3B | -$7.3B | -$1.4B | -$504M | -$92M |
| EPS (diluted) | $0.56 | $0.39 | $0.39 | $-0.36 | $-0.40 | $-1.00 | $-4.30 | $-4.02 |
| Net margin | 15.6% | 13.3% | 18.6% | -14.2% | -20.4% | -49.1% | -39.6% | -54.1% |
| ROIC | — | 3.9% | 1.9% | 4.6% | -0.9% | -3.5% | -2.0% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 23 analysts is $20.84, 35% above the current price; targets range from $12.00 to $30.00; the consensus rating is “Hold”; expected EPS is $0.61 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is SoFi Technologies’s P/E ratio?
About 27.5, based on the last twelve months of diluted earnings per share (forward P/E about 18.2).
Is SoFi Technologies stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 0% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does SoFi Technologies pay a dividend?
Not currently.
Is SoFi Technologies a good stock to buy?
We do not give buy or sell advice. SoFi Technologies scores 1.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.