Buy SOFI Stock At $27?
SOFI stock embodies a contradiction: robust operational performance alongside high valuation multiples. Following a 10% decline over the week due to general caution in the fintech sector, the stock is...
Fiscal Year: January - December
SoFi Technologies, Inc. (SOFI), listed on the NASDAQ, has a market capitalization of $. As of Nov 20, 2025, the stock is trading at $26.72 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 49.29, 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 49.29. Investors should compare these metrics with industry peers to gauge whether SoFi Technologies, Inc. is outperforming or underperforming within its sector.
SOFI stock embodies a contradiction: robust operational performance alongside high valuation multiples. Following a 10% decline over the week due to general caution in the fintech sector, the stock is...
SoFi has successfully delivered the diversified monetization capabilities as a fintech and a neobank, with it mitigating the risks from a rapidly changing macroeconomic environment. The fintech segmen...
Brian Huang opines on SoFi Technologies (SOFI) offering crypto trading and what it means for both industries.
SoFi Technologies (SOFI) remains a Strong Buy, driven by its integrated financial platform and exceptional growth in financial services. SOFI's Q3 results showed 37% revenue growth YoY, with financial...
SoFi Technologies, Inc. ( SOFI) KBW Fintech Payments Conference 2025 November 11, 2025 1:55 PM EST Company Participants Anthony Noto - CEO & Director Conference Call Participants Sanjay Sakhrani - Ke...
SoFi Technologies, Inc. (SOFI) is rated a "Buy" due to strong profitability momentum and a rapidly expanding non-lending business model. SOFI's non-lending segments now comprise over half of revenue, ...
SoFi Technologies said it has become the first nationally-chartered bank to offer consumer cryptocurrency trading. SoFiCrypto, announced by the digital financial services company Tuesday (Nov. 11), le...
SoFi CEO Anthony Noto says the company believes that blockchain and cryptocurrencies are a technology supercycle "just like AI," after launching crypto trading on its platform in efforts to become a "...
SoFi CEO Anthony Noto revealed concerns about stablecoins "from operators that are not banks," following the company's launch of crypto trading on its platform.
SoFi Technologies has taken a major step in merging traditional banking with the world of digital assets by launching SoFi Crypto, a platform designed to let consumers buy, sell, and hold a wide range...
SoFi CEO Anthony Noto joins 'Squawk Box' to discuss the launch of crypto trading on its platform, how the product stacks up against the competition, his thoughts on bitcoin and crypto, and more.
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced the launch of SoFi Crypto, becoming the first and only nationa...
Ripple – the company behind the XRP token – made headlines on Wednesday after securing a $40 billion valuation through a strategic funding round. The said $500 million round was backed by major instit...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced that financial specialist, New York Times bestselling author, ...
It is more of the same for SoFi Technologies, as it is trading at a ridiculous premium but also posting wild growth. Tangible book expansion is noteworthy, as is member growth, though the premium has ...
SUNNYVALE, Calif.--(BUSINESS WIRE)--Proofpoint, Inc., a global leader in cybersecurity and compliance solutions, today announced that it has joined TGL presented by SoFi as the Official Cybersecurity ...
SoFi Technologies continues rapid growth, evolving into a major digital bank with expanding fee-based, recurring revenue streams. The fintech posted strong Q3'25 results, including 36% revenue growth,...
Non-lending segments generated $534M in Q3 FY25 revenue, up 57% YoY, now representing 56% of SoFi's total topline. Fee-based revenue reached $409M, growing 50% YoY, with a $1.6B annualized run rate, r...
SoFi Technologies maintains strong earnings growth momentum, driven by growth in fee-based revenue, now over 43% of total revenue mix. SOFI's lending and securitization platforms are becoming key prof...
SoFi Technologies delivered record Q3 results, beating earnings and revenue estimates, driven by robust customer acquisition and Financial Services momentum. SOFI's Financial Services segment saw 76% ...
One analyst sees a “K-shaped economy,” in which premium borrowers are doing well while lower-income borrowers struggle. SoFi's focus on credit quality stands out in this environment.
SoFi CEO Anthony Noto breaks down the company's strategy after posting record third-quarter earnings on ‘The Claman Countdown.' #fox #media #breakingnews #us #usa #new #news #breaking #foxbusiness #th...
SoFi reported its Q3 earnings Tuesday morning (Oct. 28), and the message was straightforward: Its mostly prime borrowers look resilient, and their spending is steady. Pressed by analysts on consumer c...
PayPal (PYPL) and SoFi Technologies (SOFI) have shown a "tale of two different performances" when it comes to their stock prices, says Noah Hamman. He points to PayPal's struggles in recent months but...
SoFi raised its full year profit outlook and reported increased membership in the last quarter, something CEO Anthony Noto attributed to SoFi's growing range of financial offerings. Noto joins Carolin...
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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