NASD · Financial · Credit Services · USA
SoFi Technologies Inc is a large cap company (market value between $10 billion and $200 billion) in the Credit Services industry.
SoFi Technologies is a digital financial services platform that offers loans, deposit accounts, credit cards and investment products to individual members. The company operates through three segments: Lending, Technology Platform, and Financial Services, serving customers in the United States and internationally across Latin America, Canada, Switzerland and Hong Kong.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the SoFi Technologies Inc stock.
Overvalued: intrinsic value $4.96 per share, market price $14.68, margin of safety -195.7% (as of 2026-10-20).
Book value at 0.50x, the multiple a 7.1% return on equity justifies, blended with earnings, values the shares at $4.96; the price of $14.68 is 196% above that value.
Leak Score: 32/100 on 10 of 12 signals (On Watch).
17 more funds hold it; the full list is part of the paid plan.
24 more in this industry show a wider margin of safety.
SOFI is overvalued (as of the 2026-10-20 close). Book value at 0.50x, the multiple a 7.1% return on equity justifies, blended with earnings, values the shares at $4.96; the price of $14.68 is 196% above that value.
$4.96 per share (as of the 2026-10-20 close), against a market price of $14.68. That is a margin of safety of -195.7%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
32 out of 100, which we rate "On Watch", on 10 of 12 value investing signals.