Why This SoFi Technologies' Pullback Matters
SoFi stock returned roughly 70% in 2025, then pulled back about 12%, forming a constructive consolidation rather than trend deterioration. SoFiUSD represents a strategic pivot into regulated financial...
Fiscal Year: January - December
SoFi Technologies, Inc. (SOFI), listed on the NASDAQ, has a market capitalization of $. As of Jan 05, 2026, the stock is trading at $27.46 per share, offering investors a clear view of its current market value. SoFi Technologies, Inc. is a prominent player in the industry sector, attracting both institutional and retail investors due to its performance and potential.
With a P/E ratio of 50.65, investors can assess the stock's valuation in comparison to its earnings. A P/E ratio is a crucial indicator for value investors, showing whether the stock is over or undervalued relative to its current earnings. SoFi Technologies, Inc. also offers a dividend yield of N/A , making it an attractive option for income-focused investors who seek regular dividends.
Our Discounted Cash Flow (DCF) analysis reveals that SoFi Technologies, Inc. (SOFI) may be overvalued compared to its intrinsic worth. However, to see the exact DCF fair value, please Login or Upgrade for access.
The proprietary SS Score for SoFi Technologies, Inc. is a unique metric that analyzes the company's financial health and growth potential. The score takes into account critical factors such as revenue growth, net income, free cash flow (FCF) compound annual growth rate (CAGR), the trend of shares outstanding, and the debt-to-FCF ratio. This helps investors to make a more informed decision, as an undervalued stock might still have poor financial fundamentals.
To view the detailed SS Score for SoFi Technologies, Inc., Login or Upgrade for access.
The Price to Free Cash Flow (P/FCF) ratio for SoFi Technologies, Inc. is 0, offering insights into how much investors are paying for the company's free cash flow. A lower P/FCF ratio typically suggests that the stock is undervalued, while a higher ratio may indicate overvaluation.
In summary, SoFi Technologies, Inc. (SOFI) has shown consistent financial performance, as illustrated by the financial charts above, which track its revenue growth, net income, free cash flow, and shares outstanding over the past several years. These metrics provide investors with key insights into the company's past and projected future performance. Investors should use the SS Score alongside the DCF Fair Value to make better-informed decisions about whether to buy or hold the stock.
*This analysis is for informational purposes only and does not constitute investment advice. Always read the company's 10-K filings and do your own research before making any investment decisions.
Whether SoFi Technologies, Inc. (SOFI) is a good stock to buy depends on various factors, including its financial health, market conditions, and your investment strategy. Our analysis indicates that the stock may be overvalued compared to its intrinsic value. However, it is important to assess the SS Score and review the company's fundamentals before making any investment decisions.
The fair value of SoFi Technologies, Inc. (SOFI) is determined through our Discounted Cash Flow (DCF) analysis. This value represents the intrinsic worth of the stock based on its expected future cash flows. To view the specific fair value, consider subscribing to our service for complete access.
The SS Score is a proprietary financial quality metric that assesses factors such as revenue growth, net income, free cash flow growth, and debt levels. It helps investors evaluate the overall financial health of SoFi Technologies, Inc.. To access the full SS Score, consider upgrading your subscription.
SoFi Technologies, Inc. is a significant player in the industry sector, with a market capitalization of $ and a competitive P/E ratio of 50.65. Investors should compare these metrics with industry peers to gauge whether SoFi Technologies, Inc. is outperforming or underperforming within its sector.
SoFi stock returned roughly 70% in 2025, then pulled back about 12%, forming a constructive consolidation rather than trend deterioration. SoFiUSD represents a strategic pivot into regulated financial...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced plans to host a conference call to discuss financial and opera...
SoFi Technologies (SOFI) remains a 'Strong Buy' despite a recent 17% share price decline, underpinned by robust business fundamentals. SOFI's consistent double beats on earnings and revenue, with no d...
As of writing, SoFi stock has risen by ~92% year-to-date, as Mr. Market has rewarded its consistently strong business performance. Now, while recent results and financial outlook justify the stock ral...
SoFi Technologies is finally upgraded to a buy, driven by its expanding platform moat and robust multi-year growth trajectory. SOFI's loan platform business has achieved 4x growth, with $3.4B in origi...
When SoFi Technologies Inc. (NASDAQ: SOFI) announced its stablecoin launch on December 18, the market responded immediately. Shares jumped approximately 4%, closing at $26.29 as investors processed wh...
Personal finance firm SoFi has launched SoFiUSD, a dollar-pegged stablecoin. The launch makes SoFi the first national bank to issue a stablecoin on a public, permissionless blockchain, the company sai...
SoFi Technologies is doubling down on cryptocurrency, this time for its commercial clients.
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced the launch of SoFiUSD, a fully reserved U.S. dollar stablecoin...
SOFI's chart looks shaky after the failure to find support above $30, but I'm ignoring technicals: fundamentals point to accelerating earnings and a higher 2026 repricing despite recent equity dilutio...
Digital financial services firm SoFi has debuted its “all-in-one account” Smart Card. The new account, announced Wednesday (Dec. 10) for SoFi Plus members, is designed to offer better choice and contr...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced the SoFi Smart Card, the best all-in-one account.2 The account...
Limited December window gives accredited investors access to two of the world's most sought-after private companies. NEW YORK , Dec. 9, 2025 /PRNewswire/ -- Templum, the leading infrastructure provide...
SoFi Technologies, Inc. remains in long-term growth mode but is richly valued at a mid-70s FWD EPS multiple. A surprising $1.5 billion share offering raises substantial questions about SOFI's capital ...
SoFi Technologies has rapidly evolved into a leading full-service digital bank, boasting $30 billion in deposits and robust profitability. SoFi's integrated platform, strong execution, and disciplined...
In the past six months, SoFi's (NASDAQ:SOFI) share price has increased by approximately 101%, indicating a significant re-rating by investors. In its latest reported quarter (Q3 2025), the company rep...
Upper Deck announces new license agreement with TGL presented by SoFi. Debut e-Pack release commemorating the league's inaugural season is available now.
NEWARK, N.J. & PALM BEACH GARDENS, Fla.--(BUSINESS WIRE)--Panasonic Projector & Display Americas LLC today announced its partnership with TGL presented by SoFi, the groundbreaking new team golf league...
SoFi Technologies (SOFI) stalled its stellar 2025 run on Friday when the company announced a $1.5 billion stock offering. George Tsilis calls the practice a common, and at times healthy occurrence for...
SoFi's been on a winning streak. Today's it's taking a breather.
San Francisco-based SoFi said it planned to use the net proceeds from the offering for general corporate purposes, including enhancing its capital position.
SoFi Technologies Inc (NASDAQ: SOFI) investors just swallowed a heavy dose of volatility vitamins. The fintech rocket ship announced a $1.5 billion underwritten public offering — around 4% dilution — ...
SoFi stock price tanked by over 6% in the extended hours as concerns about increased dilution continued. It dropped to $27.7 from the closing price of $30, and 15% below the highest point this year.
Shares of SoFi Technologies Inc. sank more than 6% in after-hours trading Thursday, after the fintech company announced plans for a $1.5 billion stock offering.
Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
| Year | FCF Estimate | % | # Analysts |
|---|---|---|---|
| 2025 | -121.54M | -90.46% | Est @-90.5% |
| 2026 | 1,031.00M | -948.31% | Analyst x1 |
| 2027 | 1,248.00M | 21.05% | Analyst x1 |
| 2028 | 1,474.00M | 18.11% | Analyst x1 |
| 2029 | 1,611.38M | 9.32% | Est @9.3% |
| 2030 | 1,721.72M | 6.85% | Est @6.8% |
| 2031 | 1,816.88M | 5.53% | Est @5.5% |
| 2032 | 1,900.55M | 4.60% | Est @4.6% |
| 2033 | 1,975.67M | 3.95% | Est @4.0% |
| 2034 | 2,040.26M | 3.27% | Est @3.3% |
Below are the FCF estimates with the discount factor and the calculated present value with the terminal value that led the results above.
| Year | FCF | Discount Factor | PV of Future FCF |
|---|---|---|---|
| 2023A | -7.34B | 1.00 | -7.34B |
| 2024A | -1.27B | 1.00 | -1.27B |
| 2025E | -121.54M | 1.12 | -108.50M |
| 2026E | 1.03B | 1.25 | 821.69M |
| 2027E | 1.25B | 1.41 | 887.96M |
| 2028E | 1.47B | 1.57 | 936.27M |
| 2029E | 1.61B | 1.76 | 913.75M |
| 2030E | 1.72B | 1.98 | 871.60M |
| 2031E | 1.82B | 2.21 | 821.12M |
| 2032E | 1.90B | 2.48 | 766.81M |
| 2033E | 1.98B | 2.78 | 711.62M |
| 2034E | 2.04B | 3.11 | 656.06M |
| Terminal | 21.98B | 3.11 | 7.07B |
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