SoFi Stock: Why the Fintech's Business Banking Launch ‘Impressed' This Analyst.
SoFi Big Business Banking may help the company ‘punch above its weight class' in the battle for stablecoin adoption, says an analyst.
Fiscal Year: January - December
SoFi Technologies, Inc. (SOFI), listed on the NASDAQ, has a market capitalization of $20.21B. As of Apr 04, 2026, the stock is trading at $15.85 per share@else an unavailable price , 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 41.1, 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 undervalued 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 N/A , 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 undervalued 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 $20.21B and a competitive P/E ratio of 41.1. Investors should compare these metrics with industry peers to gauge whether SoFi Technologies, Inc. is outperforming or underperforming within its sector.
SoFi Big Business Banking may help the company ‘punch above its weight class' in the battle for stablecoin adoption, says an analyst.
SoFi Technologies has declined over 50%, stunning growth investors. But I see signs of bottoming near $15, as investors fled. SOFI still trades at a premium (27x forward P/E) versus fintech peers but ...
SoFi Big Business Banking will allow enterprise customers to hold deposits, transfer funds, and settle transactions within SoFi's nationally chartered bank.
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced the launch of SoFi Big Business Banking, a new offering that g...
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...
Tesla, Inc. (NASDAQ: TSLA) trades roughly 60 million shares a day. Retail participation across U.S. equities sits near 20%, but Tesla skews higher — closer to 25%.
SpaceX may set aside up to 30% of its shares for retail investors, fueled by the massive following of founder Elon Musk, Reuters reported citing sources.
SoFi Technologies Inc. has declined 40% year-to-date and 28% since my prior coverage, reflecting rising credit concerns and sentiment reset. SoFi added 1 million members to reach 13.7 million, while p...
U.S. stock futures fell on Friday following Thursday's sharp sell-off. Futures of the major benchmark indices were lower.
SoFi has demonstrated strong execution, growing net revenue from $2.7B in 2024 to $3.6B in 2025 and expanding its product suite. I see 2025 as a pivotal year, with robust segment growth, especially in...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI) today announced the expansion of its Loan Platform Business (LPB), committing over $3.6 billion in personal loan delivery across ...
Consumer credit stress at this level has a second-order effect: it drives millions of borrowers into actively trying to improve their scores. IBISWorld estimates that the consumer credit services indu...
SoFi Technologies, Inc. delivered strong Q4 and FY2025 results, with revenue and EPS beating estimates and record growth in fee-based and platform segments. Despite a ~25% post-earnings dip and share ...
SoFi Technologies remains a high-quality fintech growth story, deserving a 'Buy' rating despite a 47% drawdown from all-time highs. SOFI's business model transition, rapid member growth, and capital-l...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today announced SoFi Invest has ranked #1 among do-it-yourself (DIY) brokerage...
The fintech lender appears to have decided that the best defense is a good offense following a report by Muddy Waters.
SoFi Technologies said on Tuesday that it will explore potential legal action against short seller Muddy Waters Research and called its report from earlier in the day "inaccurate and mi...
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the one-stop shop for digital financial services, today issued the following statement: The claims made in the Muddy Waters repo...
SoFi Technologies just got a blockbuster signal for 2026 with major insider buying by CEO Anthony Noto. Noto's $1M share purchase at ~$17.88 signals confidence and a potential bottom, echoing his prio...
SoFi leverages a one-stop-shop model, driving member growth, cross-selling, and reduced customer acquisition costs, with 13.7M members and 20x growth since 2018. SOFI's product innovation includes Sma...
NEW YORK, March 13, 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 3/13/...
SoFi Technologies Inc. (NASDAQ: SOFI) is capturing significant market attention this week as its momentum score surged from 39.06 to 63.72.
SoFi Technologies (SOFI) is upgraded to a 'buy' after a 32.8% stock decline, now trading at an attractive valuation versus peers. SOFI's flywheel drives rapid member and product growth, with 13.65 mil...
Two US banks posted double-digit percentage growth in assets on a sequential basis in the fourth quarter of 2025, causing a shake-up in the US banking industry asset rankings. In the most recent quart...
SoFi Technologies is upgraded to a buy as valuation nears multiyear lows despite strong fundamentals and outlook. Member and product growth mostly accelerated, driving 37% YoY revenue growth. There wa...
Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
| Year | FCF Estimate | % | # Analysts |
|---|---|---|---|
| 2025 | 75.11M | -105.90% | Est @-105.9% |
| 2026 | 1,424.30M | 1,796.18% | Analyst x2 |
| 2027 | 1,800.10M | 26.38% | Analyst x2 |
| 2028 | 1,866.00M | 3.66% | Analyst x1 |
| 2029 | 1,915.71M | 2.66% | Est @2.7% |
| 2030 | 1,963.99M | 2.52% | Est @2.5% |
| 2031 | 2,013.63M | 2.53% | Est @2.5% |
| 2032 | 2,064.67M | 2.54% | Est @2.5% |
| 2033 | 2,117.17M | 2.54% | Est @2.5% |
| 2034 | 2,167.55M | 2.38% | Est @2.4% |
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 | 75.11M | 1.11 | 67.86M |
| 2026E | 1.42B | 1.23 | 1.16B |
| 2027E | 1.80B | 1.36 | 1.33B |
| 2028E | 1.87B | 1.50 | 1.24B |
| 2029E | 1.92B | 1.66 | 1.15B |
| 2030E | 1.96B | 1.84 | 1.07B |
| 2031E | 2.01B | 2.04 | 989.19M |
| 2032E | 2.06B | 2.25 | 916.33M |
| 2033E | 2.12B | 2.49 | 848.89M |
| 2034E | 2.17B | 2.76 | 785.18M |
| Terminal | 27.13B | 2.76 | 9.83B |
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