Summary
SOFI at a glance
SoFi Technologies (SOFI) closed at $16.76 on Oct 30, 2026, overvalued by 256% vs model: P/TBV · justified puts it at $4.71 a share. The other 4 models range from $0.14 to $22.56, and the median analyst target is $22.00 from 9 firms.
In Q3 FY2026, the latest quarter on file, revenue grew 42% on a year earlier to $1.8B, with a net margin of 13.4%. Over the twelve months to Q3 FY2026, net income was $737.9M.
Among the superinvestors tracked here, Samantha McLemore added and Polen Capital reduced. Insiders sold $649,444.9 and made no open-market purchases over the last 90 days. The latest filing is an 8-K (current report), filed Oct 27.
Price and model value
What the marks mean
Valuation
All 5 models →SoFi Technologies closed at $16.76, overvalued by 256% vs model (P/TBV · justified, 4.71).
P/TBV · justified leads for a bank.
- Other models
- 0.14 – 22.56
- Wall St. target
- 22.00 24% below
- Above model, past year
- 0 of 0 days
- Valued as
- Mature & Stable
Every model
| P/TBV · justifiedused | $4.71 | 256% overvalued |
| P/E · peers | $7.96 | 111% overvalued |
| PEG | $15.05 | 11% overvalued |
| P/E · own history | $22.56 | 26% undervalued |
| Dividend discount | $0.14 | 11871% overvalued |
Against its peers and its past
| SOFI | Peers' median | Own 5-yr median | |
|---|---|---|---|
| P/E · last fiscal year | 43.0× | 19.8× | 47.9× |
| Free cash flow yield | — | 11.8% | |
| Operating margin | 11.0% | 21.2% | |
| Revenue growth | 28.8% | 7.4% |
Peers are the comparable companies below; the five-year median is at each fiscal year's close.
What the price implies
No growth rate solves for the price: no positive fcf. The reverse DCF →
- Risk-free rate
- 4.94%
- Beta × equity premium
- 1.89 × 4.14%
- Cost of equity
- 12.77%
- Cost of debt
- 15.00%
- Equity weight
- 92%
- WACC
- 12.85%
Quant
Quant grade over time →Quant grade not graded from model v1, set before the Oct 30 open. S is the best, D the worst. What the grade means
- COF–
- SYF–
- AXP–
- HOODB
- SCHW–
- PYPLA
Growth and forecasts
Every estimate →Analysts expect revenue to grow 17.7% a year over the next 3 years, against 44.7% a year over the last five.
| Revenue | Growth | EPS | Growth | Analysts | |
|---|---|---|---|---|---|
| FY2024 | $3.7B | +27.8% | $0.39 | — | reported |
| FY2025 | $4.8B | +28.8% | $0.39 | 0.0% | reported |
| FY2026E | $5.0B | +5.3% | $0.60 | +64.6% | 13 |
| FY2027E | $6.4B | +26.7% | $0.87 | +44.1% | 13 |
| FY2028E | $7.8B | +22.2% | $1.10 | +27.3% | 13 |
- Revenue, last 5 years
- 44.7% a year
- Consensus, next 3 years
- 17.7% a year
The analysts' estimates, as FMP collects them — their figures, not this site's. Reported EPS is GAAP diluted.
Financials
Full statements →In Q3 FY2026, the latest quarter on file, revenue grew 42% on a year earlier to $1.8B, with a net margin of 13.4%. Over the twelve months to Q3 FY2026, net income was $737.9M.
| Latest | Year before | Change | |
|---|---|---|---|
| Revenue | $6.1B | $4.4B | +38% |
| Net income | $737.9M | $640.2M | +15% |
| Diluted EPS | $0.56 | $0.55 | +1% |
- Cash and investments
- $7.8B
- Total debt
- $4.0B
- Shareholders' equity
- $11.3B
Profitability and health
Every ratio →Return on equity 4.6% in fiscal 2025, against −10.3% in 2021.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | Trend | |
|---|---|---|---|---|---|---|
| Net margin | −44.5% | −18.2% | −10.4% | 13.5% | 10.1% | |
| Return on equity | −10.3% | −5.8% | −5.4% | 7.6% | 4.6% | |
| Return on assets | −5.3% | −1.7% | −1.0% | 1.4% | 1.0% | |
| Equity to assets | 51.2% | 29.1% | 18.5% | 18.0% | 20.7% | |
| Dividend payout | −8.4% | −12.6% | −13.4% | 3.3% | 0.0% |
Peers
Peers in full →SOFI beside 6 comparable companies, chosen by business, not by industry label.
| Company | Market value | P/E | FCF yield | Gross margin | Op. margin | Revenue growth | Valuation | Quant |
|---|---|---|---|---|---|---|---|---|
| SOFI SoFi Technologies, Inc. | $21.6B | 43.0× | — | 75.1% | 11.0% | +28.8% | – | – |
| AXP American Express Company | $214.0B | 20.8× | — | 83.2% | 17.1% | +8.4% | C | – |
| SCHW The Charles Schwab Corporation | $152.3B | 18.9× | — | 86.4% | 41.4% | +6.5% | S | – |
| COF Capital One Financial Corporation | $125.7B | 50.8× | — | 47.3% | 3.3% | +28.4% | C | – |
| HOOD Robinhood Markets, Inc. | $67.4B | 41.5× | — | 83.3% | 46.8% | +51.6% | D | B |
| PYPL PayPal Holdings, Inc. | $47.4B | 10.5× | 11.8% | 46.6% | 18.3% | +4.3% | S | A |
| SYF Synchrony Financial | $24.5B | 8.1× | — | 51.0% | 24.2% | −7.9% | A | – |
Ownership
Every holder →| Samantha McLemore | added | $27.0M |
| Polen Capital | reduced | $1.2M |
- Keough KelliOct 20 · EVP, GBUL, SIPS−$150,214.7
- Keough KelliSep 21 · EVP, GBUL, SIPS−$173,310.2
- Rishel JeremySep 21 · Chief Technology Officer−$325,920
Wall Street
Every firm →9 firms published a price target in the last 90 days: the median is $22.00, 31% above the close.
Third-party ratings and targets, quoted as the firms published them — not this site's view.
Analyst actions
News and filings
All news →About
Company profile →SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
- CEO
- Anthony J. Noto
- Employees
- 6,100
- Headquarters
- San Francisco, CA
- Listed
- 2021
Research on SOFI
Model estimates and grades for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; each section is explained in the manual.