SoFi Technologies, Inc. (SOFI) fair value analysis

Nasdaq · Updated 2026-09-07

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.

Forward Fair Value verdict

Undervalued

Based on TickrTrends' weekly Forward Fair Value model, SOFI is trading at more than a 25% discount to estimated fair value.

SOFI currently ranks #2 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Undervalued for 3 consecutive weekly runs.

Last price: $18.03
Sector: Financial Services
12-month range: $15.63–$30.63

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C
Leverage: Low
Margin trend: Expanding
Revenue growth: High
RSI zone: Neutral
50/200-day trend: Mixed
52-week position: The bottom quarter of its range

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 $15.63–$30.63.
The 14-day relative strength index sits at a neutral 50.

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

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent SOFI news

TickrTrends' derived news-sentiment signal for SOFI is currently leaning positive, computed from recent coverage.

Jim Cramer on SoFi (SOFI): “I’ve Been a Longtime Believer in This One” (insidermonkey.com, 2026-09-08)
TickrTrends take: SoFi operates in the Financial Services sector and currently trades at a valuation that TickrTrends rates as undervalued. Given this assessment, positive commentary from prominent market observers could help narrow the gap between the stock's current price and its underlying fundamental value. Investors focused on valuation metrics should monitor whether such supportive sentiment translates into broader market recognition of the company's worth.
SoFi Technologies, Inc. (SOFI) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript (seekingalpha.com, 2026-09-08)
TickrTrends take: SoFi Technologies operates in the Financial Services sector where investor confidence in growth prospects and profitability timelines significantly influences valuation multiples. TickrTrends currently derives an Undervalued verdict for SOFI, meaning the market price sits below the estimated intrinsic value based on fundamental metrics. Conference presentations such as the Goldman Sachs event provide management the opportunity to articulate strategic direction, revenue diversification, and margin expansion plans, which are critical data points for valuation-focused investors assessing whether the current undervaluation reflects genuine opportunity or unresolved business risks.
Blee Raises $20M Series A to Scale AI Marketing Compliance (ventureburn.com, 2026-09-08)
TickrTrends take: SoFi's investment in Blee's Series A funding round, which raised $20M for AI marketing compliance technology, represents a strategic move into regulatory technology that addresses growing compliance demands in financial services. For a valuation-focused reader, this investment signals SoFi's efforts to strengthen its operational infrastructure and potentially reduce compliance costs, which could improve margins as the company scales. Given TickrTrends' current undervalued assessment, investors should monitor whether such investments in compliance automation translate into measurable efficiency gains that support SoFi's path to profitability in the coming quarters.

What people are saying

Follow the SOFI conversation: Stocktwits · Reddit · X

TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is SOFI stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), 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 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is SOFI overbought or oversold?

SOFI's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

SOFI vs BRO · SOFI vs CCB · SOFI vs ECPG · SOFI vs FDS · SOFI vs GSHD