Valuation models
price $16.76 · as of Nov 2, 2026
P/TBV · justifiedused4.12 – 5.504.71256% overvaluedP/E · peers5.81 – 16.977.96111% overvaluedP/E · own history19.53 – 29.6722.5626% undervaluedPEG—15.0511% overvaluedDividend discount0.12 – 0.190.1411871% overvaluedWall St. consensus target—22.0024% belowCost of capital (WACC)—12.85%—
P/TBV · justified leads for a bank. How the headline model is chosen. The price is 256% above the model value: the models see only the filed business, and a company priced on businesses with no revenue line yet is better taken apart, as Tesla is.
Model value · P/TBV · justified
4.71
SoFi Technologies closed at $16.76 — overvalued by 256% vs model.
4.12the model's range5.50
P/TBV · justified leads for a bank. From the justified price to tangible book.
Other models
0.14 – 22.56
Wall St. target
22.00 24% below
Above model, 1y
0 of 0 days
How it is valued
Valued asBank
High revenue growth (~28% recent)Moderate margins (10% net margin)Highly cyclical earningsNegative free cash flow
Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; how each model works is in the manual.