Stock Of The Day: Where Will SoFi Turn?
Trading in SoFi Technologies, Inc. (NASDAQ: SOFI) is quiet on Thursday. The shares are consolidating after a long and painful downtrend.
Fiscal Year: January - December
SoFi Technologies, Inc. (SOFI), listed on the NASDAQ, has a market capitalization of $. As of Feb 21, 2026, the stock is trading at $19.02 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 49.32, 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 49.32. Investors should compare these metrics with industry peers to gauge whether SoFi Technologies, Inc. is outperforming or underperforming within its sector.
Trading in SoFi Technologies, Inc. (NASDAQ: SOFI) is quiet on Thursday. The shares are consolidating after a long and painful downtrend.
SoFi Technologies recent selloff has made the risk/reward more attractive. Deposits reached $38 billion, giving SoFi cheaper and more stable funding. Market sentiment remains positive, as evidenced by...
NEW YORK, Feb. 11, 2026 (GLOBE NEWSWIRE) -- SoFi, a leading provider of thematic and income ETFs, today announced monthly distributions on the SoFi Enhanced Yield ETF (THTA). Distribution as of 2/11/2...
Tuesday's pullback follows a late-January earnings beat in which the fintech reported fourth-quarter earnings of 13 cents per share, topping Wall Street's 12-cent consensus, while revenue climbed abou...
Shares have been swept up in the software selloff “with little regard for fundamentals,” according to a newly bullish analyst.
SoFi Technologies, Inc. still looks like a Strong Buy following the recent selloff. SOFI's high net interest margins, rapid loan origination, and strong member growth will continue to drive superior o...
A selloff has created an opportunity to own ‘one of the most compelling long-term compounders in fintech,' says Citizens JMP.
Fee revenue grew from $260M in 2021 to $1.5B in 2025, surpassing 40% of total adjusted revenue. Q4 added 1M members and 1.6M products, with cross-buy reaching 40%, improving growth efficiency and marg...
SoFi Technologies is rated 'Strong Buy' due to rapid user growth, consistent earnings beats, and expanding fintech offerings. SOFI benefits from a pro-business environment, potential S&P 500 inclusion...
SoFi Technologies is executing strongly, with Q4 2025 marking its first $1B revenue quarter and record profitability, despite a 20%+ share price pullback. SOFI guides for 30% YoY revenue growth and 52...
SOFI's robust fee-based revenue growth, expanding cross-selling trends, and improving profitability lend credibility to its highly successful and increasingly diversified fintech/neobank platform. Thi...
SoFi Technologies (SOFI) – a digital platform that provides loans, cash management, and investment services – has experienced an 8-day decline, with total losses during this time reaching -17%. The co...
SoFi stock is upgraded to Overweight from Neutral at J.P. Morgan, but Morgan Stanley has a different favorite.
SAN FRANCISCO, Feb. 02, 2026 (GLOBE NEWSWIRE) -- Social Finance, Inc. (“SoFi”) today announced that the Board of Trustees of Tidal Trust I (the “Trust”) has approved, at the request of Tidal Investmen...
SoFi Technologies keeps up with incredibly strong execution across lending, enterprise, and financial services, despite a recent stock selloff and sector volatility. SOFI delivered robust Q4 2025 resu...
SoFi Technologies, Inc.'s Financial Services and Tech Platform delivered $579 million in Q4 revenue, representing 57% of adjusted net revenue and reducing lending reliance. Fee-based revenue surged 53...
SoFi Technologies (SOFI) delivered record customer acquisition and exceeded both revenue and earnings estimates in Q4, reinforcing my strong buy rating. SOFI's Financial Services segment drove 158% Y/...
SoFi Technologies delivered strong Q4 results, surpassing $1 billion in quarterly revenue and achieving double-digit adjusted net income margin for the first time. SOFI's aggressive cross-selling and ...
As President Trump turns his attention to affordability policies that could benefit Americans this week, how should investors be approaching the fintech space? Citi US Equity Strategist Drew Pettit co...
SoFi Technologies, Inc. (SOFI) Q4 2025 Earnings Call Transcript
SoFi's platform strategy was a centerpiece of fourth-quarter earnings on Friday (Jan. 30): Bring in members, persuade them to adopt multiple products, and let lending, payments and technology revenue ...
SoFi Technologies (NASDAQ: SOFI) silenced skeptics this morning, reporting “blockbuster” Q4 financials, with revenue exceeding the coveted “$1.0 billion” mark for the first time. The financial technol...
Diane King Hall laces up for a full earnings breakdown on Ugg's parent company Deckers Brands (DECK). She points to the surge in Hoka revenue, up 18.5% in Deckers' 3Q report, as well as the company's ...
SoFi Technologies reported a rise in fourth-quarter profit on Friday, lifted by strong loan demand and rapid growth in its fee‑based businesses.
SoFi's home-loan originations nearly doubled in the latest quarter.
Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
| Year | FCF Estimate | % | # Analysts |
|---|---|---|---|
| 2026 | 1.25B | Analyst x1 | |
| 2027 | 1.53B | 22.46% | Analyst x1 |
| 2028 | 1.87B | 21.80% | Analyst x1 |
| 2029 | 2.07B | 10.93% | Est @10.9% |
| 2030 | 2.23B | 7.94% | Est @7.9% |
| 2031 | 2.38B | 6.32% | Est @6.3% |
| 2032 | 2.50B | 5.19% | Est @5.2% |
| 2033 | 2.61B | 4.40% | Est @4.4% |
| 2034 | 2.70B | 3.59% | Est @3.6% |
| 2035 | 2.79B | 3.23% | Est @3.2% |
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 |
|---|---|---|---|
| 2024A | 0.00 | 1.00 | 0.00 |
| 2025A | 0.00 | 1.00 | 0.00 |
| 2026E | 1.25B | 1.12 | 1.12B |
| 2027E | 1.53B | 1.25 | 1.22B |
| 2028E | 1.87B | 1.41 | 1.33B |
| 2029E | 2.07B | 1.57 | 1.31B |
| 2030E | 2.23B | 1.76 | 1.27B |
| 2031E | 2.38B | 1.98 | 1.20B |
| 2032E | 2.50B | 2.21 | 1.13B |
| 2033E | 2.61B | 2.48 | 1.05B |
| 2034E | 2.70B | 2.78 | 973.37M |
| 2035E | 2.79B | 3.11 | 897.07M |
| Terminal | 30.05B | 3.11 | 9.66B |
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