--- title: SoFi Technologies (SOFI) — stock overview: intrinsic value, grades and financials canonical: https://sweetvaluelab.com/stocks/sofi ticker: SOFI as_of: 2026-11-02 sector: Financial Services industry: Financial - Credit Services --- # SoFi Technologies (SOFI) 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. The valuation in full, model by model: https://sweetvaluelab.com/stocks/sofi/valuation. ## Key figures | Figure | Value | | --- | ---: | | Last close | $16.76 (Oct 30, 2026) | | Model value (from the justified price to tangible book) | $4.71 | | Price vs model | overvalued by 256% vs model | | Range of that model | $4.12 – $5.50 | | Market value | $21.6B | | P/E (fiscal 2025) | 43.0 | | Net margin (fiscal 2025) | 10.1% | | Free cash flow (fiscal 2025) | -$4.0B | | Dividend yield (trailing twelve months) | 0.00% | | Beta | 2.33 | | Cost of capital (WACC) | 12.85% | | Business classification | Mature & Stable (High revenue growth (~28% recent), Moderate margins (10% net margin), Highly cyclical earnings, Negative free cash flow) | ## The last eight quarters | Quarter | Revenue | Change on a year earlier | Net margin | | --- | ---: | ---: | ---: | | Q4 FY2024 | $1.0B | — | 33.0% | | Q1 FY2025 | $1.0B | — | 6.9% | | Q2 FY2025 | $1.1B | — | 8.6% | | Q3 FY2025 | $1.3B | — | 11.0% | | Q4 FY2025 | $1.3B | +32.5% | 13.0% | | Q1 FY2026 | $1.4B | +35.8% | 11.8% | | Q2 FY2026 | $1.6B | +39.1% | 10.0% | | Q3 FY2026 | $1.8B | +41.9% | 13.4% | Twelve months to Q3 FY2026, against the twelve before: | Line | Latest | Year before | | --- | ---: | ---: | | Revenue | $6.1B | $4.4B | | Net income | $737.9M | $640.2M | | Diluted EPS | $0.56 | $0.55 | ## On the stock lists | List | Place | Figure | Page | | --- | ---: | ---: | --- | | Worst performing this year | #25 | −36.0% | https://sweetvaluelab.com/lists/worst-performing-this-year | ## Valuation models Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Nov 2, 2026. | Model | Role | Value per share | Low | High | | --- | --- | ---: | ---: | ---: | | P/TBV · justified | primary | $4.71 | $4.12 | $5.50 | | P/E · peers | cross check | $7.96 | $5.81 | $16.97 | | P/E · own history | cross check | $22.56 | $19.53 | $29.67 | | PEG | sanity check | $15.05 | $15.05 | $15.05 | | Dividend discount | cross check | $0.14 | $0.12 | $0.19 | ## Wall Street analysts The median of each covering firm's latest price target is $22.00, from 9 firms — the analysts' figure, quoted, and not part of the model value above. Each firm's latest target, the current grades, the grade changes and the consensus revenue and EPS estimates: https://sweetvaluelab.com/stocks/sofi/analysts (Markdown: https://sweetvaluelab.com/stocks/sofi/analysts.md). ## Insider activity (SEC Form 4) Past 90 days: 0 open-market buys ($0) and 3 open-market sales ($649,444.9); 10b5-1 plan sales included. | Date | Insider | Relationship | Transaction | Shares | Value | | --- | --- | --- | --- | ---: | ---: | | Oct 20, 2026 | Keough Kelli | EVP, GBUL, SIPS | Open-market sell (10b5-1 plan) | 10,203 | $150,214.7 | | Sep 21, 2026 | Keough Kelli | EVP, GBUL, SIPS | Open-market sell (10b5-1 plan) | 10,203 | $173,310.2 | | Sep 21, 2026 | Rishel Jeremy | Chief Technology Officer | Open-market sell (10b5-1 plan) | 18,624 | $325,920 | | Sep 14, 2026 | Keough Kelli | EVP, GBUL, SIPS | Option/RSU exercise | 82,643 | — | | Sep 14, 2026 | Keough Kelli | EVP, GBUL, SIPS | Option/RSU exercise | 26,476 | — | ## Recent SEC filings | Filed | Form | What | Filing | | --- | --- | --- | --- | | Oct 27, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1818874/000181887426000065/sofi-20261027.htm | | Aug 6, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm | | Jul 29, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/sofi-20260729.htm | | Jun 18, 2026 | 8-K | 5.07 Submission of Matters to a Shareholder Vote | https://www.sec.gov/Archives/edgar/data/1818874/000181887426000043/sofi-20260617.htm | | May 7, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1818874/000181887426000037/sofi-20260331.htm | ## Superinvestors holding it (latest 13F) | Manager | Quarter | Shares | Value | | --- | --- | ---: | ---: | | Samantha McLemore | 2026-06-30 | 1,505,629 | $27.0M | | Polen Capital | 2026-06-30 | 65,611 | $1.2M | 2 tracked managers in all. ## About 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 pla… --- Source: https://sweetvaluelab.com/stocks/sofi (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.