SoFi Technologies, Inc. (SOFI) fair value analysis
Nasdaq · Updated 2026-10-19
SOFI price how computed
Forward Fair Value verdict
UndervaluedSOFI is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $14.55
- Sector
- Financial Services
- 12-month range
- $14.22–$32.21
- Market cap
- $18.8B
- From 52-week high
- -54.8%
- Shares outstanding
- 1.29B
- Rank in Financial Services by discount to fair value
- #2 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
SoFi Technologies, Inc. is a financial services company that offers products including personal loans, student loan refinancing, investing and trading services, banking products, and cryptocurrency services to its customers. The company operates primarily in the United States.
SOFI currently ranks #2 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $18.8B
- P/E (trailing)
- 32x
- Revenue (TTM)
- $5.58B
- Net margin
- 11.4%
- EPS (TTM)
- $0.46
- Gross margin
- 76.7%
- Debt / equity
- 0.31
- Revenue growth (3-yr avg)
- 35.9%
- Shares outstanding
- 1.29B
Derived indicators how computed
- Quality grade
- D
- Margin trend
- Expanding
- 52-week position
- The bottom quarter of its range
Technicals how computed
- RSI (14-day)
- 33 · neutral
- 50-day average
- $17.09
- 200-day average
- $18.37
- Moving-average state
- 50-day below 200-day (death cross state); price below both averages
Earnings how computed
- Next earnings report
- 2026-10-27 (pre-market)
- Last 8 quarters vs consensus
- 7 beat, 0 missed
- Quarter by quarter
- 2026-06 ▲ beat (+9.1%)
2026-03 ▬ met (0.0%)
2025-12 ▲ beat (+9.1%)
2025-09 ▲ beat (+25.0%)
2025-06 ▲ beat (+50.0%)
2025-03 ▲ beat (+100.0%)
2024-12 ▲ beat (+25.0%)
2024-09 ▲ beat (+25.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 9 buy · 12 hold · 4 sell (25 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $20.4
- Target vs last price
- +40.2%
What our data shows for SOFI
- Our model validated 7 trailing price-to-earnings windows for SOFI, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $14.22–$32.21.
- The 14-day relative strength index sits at a neutral 33.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for SOFI
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent SOFI news
TickrTrends' derived news-sentiment signal for SOFI is currently leaning positive, computed from recent coverage.
- SoFi (SOFI) Partners with Prudential to Expand Life Insurance Access for 15 Million Members (gurufocus.com, 2026-10-21)
TickrTrends take: SoFi's partnership with Prudential to provide life insurance access to its 15 million members represents a significant expansion of its financial services offerings beyond its core lending business. For valuation-focused investors, this distribution partnership could enhance revenue diversification and customer lifetime value without requiring proportional increases in capital expenditure, which aligns with the undervalued assessment in a sector where profitability metrics matter substantially. The competitive positioning this creates in the insurance vertical warrants monitoring of how effectively SoFi can monetize this expanded member base relative to its current valuation multiple. - European and US Markets Plunge Amid Rising Tensions and Economic Concerns (gurufocus.com, 2026-10-20)
TickrTrends take: SoFi operates in the Financial Services sector, which is sensitive to broad market movements and investor risk appetite, particularly during periods of economic uncertainty. When European and US markets experience significant downturns amid geopolitical and economic concerns, financial services companies often face pressure from reduced consumer lending demand and tighter credit conditions. TickrTrends currently assigns an Undervalued verdict to SOFI, suggesting that valuation-focused readers should monitor whether market stress creates a buying opportunity or signals deteriorating fundamental conditions that warrant a reassessment of the company's intrinsic value. - SoFi Technologies, Inc. (SOFI) Reports Next Week: Wall Street Expects Earnings Growth (zacks.com, 2026-10-20)
TickrTrends take: SoFi Technologies operates in the Financial Services sector and carries a TickrTrends valuation designation of Undervalued, which suggests the market may not be fully pricing in the company's earnings potential. Given that Wall Street expects earnings growth in the upcoming report, valuation-focused investors should monitor whether the company's actual results align with those expectations and whether the market reprices the stock accordingly following the announcement. An earnings beat or strong forward guidance could reinforce the Undervalued assessment, while a miss might challenge the current valuation premise.
More SOFI news
- SoFi Technologies, Inc. (SOFI) Stock Dips While Market Gains: Key Facts (zacks.com, 2026-10-19)
- SoFi: The Market Will Wake Up From Its Hangover Eventually (NASDAQ:SOFI) (seekingalpha.com, 2026-10-16)
- SoFi Technologies Inc (SOFI) Stock Up 6.1% and Still Undervalued -- GF Score: 74/100 (gurufocus.com, 2026-10-16)
- Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know (zacks.com, 2026-10-14)
- SOFI Initiates Coverage by StoneX -- Rating Set to Buy with $25 Target (gurufocus.com, 2026-10-13)
- Why StoneX Initiated SoFi Stock At Buy Amid The Fintech's 2026 Retreat (investors.com, 2026-10-13)
- A Look at SoFi Technologies Inc (SOFI) After 3.6% Decline -- GF Value $15.19 vs Price $15.23 (gurufocus.com, 2026-10-12)
- SoFi Technologies, Inc. (SOFI) Declines More Than Market: Some Information for Investors (zacks.com, 2026-10-12)
- SoFi: Major Long-Term Growth Investments Make For Opportunity Today (SOFI) (seekingalpha.com, 2026-10-12)
What people are saying
Follow the SOFI conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is SOFI stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), SOFI is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is SOFI's TickrTrends verdict?
SOFI's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does SOFI compare to other Financial Services stocks?
SOFI ranks #2 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is SOFI overbought or oversold?
SOFI's 14-day RSI is in neutral territory - neither overbought nor oversold.
When does SOFI report earnings next?
SOFI's next earnings report is scheduled for 2026-10-27 (pre-market), per the published earnings calendar.
Does SOFI usually beat earnings estimates?
Over its last 8 reported quarters SOFI beat the consensus estimate 7 times and missed 0 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about SOFI?
Of 25 analysts covering SOFI, 9 rate it a buy, 12 a hold and 4 a sell - hold-leaning, with a consensus price target of $20.4 (+40.2% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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