SoFi Technologies Inc (SOFI) is undervalued and Visa Inc (V) is overvalued.
Against our estimates of intrinsic value, SOFI trades at the wider discount: a margin of safety of +40%, against -45% for V.
Values as of the 22 Sept 2026 close.
Discounting its cash flows at 14.1% (average of 3 methods) values the shares at $28.62; the price of $17.16 is 40% below that value, and 63% of that value comes from beyond year five.
Leak Score 50/100 on 9 of 12 signals
Discounting its cash flows at 9.0% (average of 3 methods) values the shares at $249.15; the price of $362.04 is 45% above that value, and 76% of that value comes from beyond year five.
Leak Score 59/100 on 9 of 12 signals
| Metric | SOFI | V |
|---|---|---|
| Verdict | Undervalued | Overvalued |
| Price | $17.16 | $362.04 |
| Intrinsic value | $28.62 | $249.15 |
| Margin of safety | +40% | -45% |
| Leak Score | 50/100 (9/12) | 59/100 (9/12) |
| Market cap | $22.2B | $675.9B |
| Revenue growth, 5 years | 44.7% | 12.9% |
| Operating margin | 15.3% | 67.0% |
| Net margin | 11.4% | 50.4% |
| Return on equity | 7.1% | 60.7% |
| Debt to equity | 0.31 | 0.68 |
| P/E | 36.2x | 31.1x |
| Forward P/E | 20.9x | 24.1x |
| P/B | 2.0x | 19.5x |
| Dividend yield | — | 0.8% |