US · SOFI
SoFi Technologies, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Francisco, CA 94105
- Website
- sofi.com
Price · as of 2025-12-31
$16.43
Market cap 22.65B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $49.19 | +199.39% |
| Intrinsic Value(DCF) | $78.70 | +379% |
| Graham-Dodd Method(GD) | $10.00 | -39.13% |
| Graham Formula(GF) | $14.93 | -9.12% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $4.54 | $0.00 | |||
| 2020 | $19.02 | $12.91 | $14.06 | $3.67 | $0.00 |
| 2021 | $8.55 | $23.91 | $0.41 | $1.47 | $0.00 |
| 2022 | $5.58 | $20.75 | $72.45 | $1.88 | $0.00 |
| 2023 | $7.71 | $23.25 | $1,377.30 | $2.17 | $0.00 |
| 2024 | $12.59 | $40.97 | $543.02 | $7.03 | $16.49 |
| 2025 | $18.39 | $49.19 | $122.79 | $10.00 | $14.93 |
AI valuation
Our deep-learning model estimates SoFi Technologies, Inc.'s (SOFI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $49.19
- Current price
- $16.43
- AI upside
- +199.39%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$78.70
+379% upside
Graham-Dodd
$10.00
-39.13% upside
Graham Formula
$14.93
-9.12% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SOFI | SoFi Technologies, Inc. | $16.43 | 22.65B | +199% | +379% | -39% | -9% | 43.94 | 2.02 | 4.43 | 9.41 | — | 2.49 | 68.73% | 35.27% | 10.09% | 5.66% | 24.13% | 1.11% | 0.17 | 1.45 | — | — | -1.62 | 0.00% | 2878.00% | 21049.00% | -18.84% | — | -62.45% | 0.00% | 0.00% | 18.18% | 10.72 | -4.53 | 3.78 | 0.62 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| ARES | Ares Management Corporati… | $112.01 | 36.79B | -5% | +438% | -86% | +56% | 46.72 | 5.76 | 3.81 | 16.57 | — | -19.03 | 74.79% | 27.22% | 8.15% | 13.49% | 9.41% | 1.96% | 3.49 | 2.30 | 0.33 | 2.28 | 5.84 | -531.00% | 6655.00% | 1834.00% | 12.97% | 2.19 | 20.19% | 0.00% | 0.00% | 0.00% | 21.60 | 11.91 | 5.88 | 1.04 |
| BBD | Banco Bradesco S.A. | $4.09 | 43.26B | -28% | +15,415% | -51% | +338% | 9.75 | 1.29 | 0.67 | -94.71 | 28.39 | 1.51 | 34.61% | -1.12% | 6.78% | 13.65% | -0.90% | 1.08% | 2.02 | -0.02 | 0.58 | 0.58 | -62.94 | 3436.00% | 3711.00% | 23731.00% | -136.79% | -0.71 | -74.33% | 5.13% | 50.00% | 133.97% | -87.87 | -1.07 | 0.98 | 0.16 |
| HBAN | Huntington Bancshares Inc… | $16.80 | 24.85B | +58% | -11% | -43% | +10% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| MS | Morgan Stanley | $166.47 | 264.57B | -27% | +135% | -69% | +30% | 15.56 | 2.35 | 2.26 | 7.45 | 54.98 | 2.95 | 57.48% | 18.91% | 14.52% | 15.60% | 30.78% | 1.28% | 4.26 | 0.45 | 1.17 | 1.17 | 13.70 | 2830.00% | 1257.00% | -229524.00% | 17.57% | 0.09 | 83.34% | 2.51% | 39.10% | 4.74% | 9.02 | 4.29 | 1.70 | 0.45 |
| RJF | Raymond James Financial, … | $153.08 | 30.23B | -35% | +33% | -50% | +9% | 15.38 | 2.63 | 2.06 | 4.02 | 248.68 | 3.08 | 88.16% | 28.66% | 13.42% | 17.66% | -150.25% | 2.49% | 0.36 | 2.47 | 0.32 | 0.35 | -1.44 | 619.00% | 794.00% | 1518.00% | 6.84% | 0.04 | -94.05% | 1.27% | 19.50% | 5.12% | 4.19 | 8.51 | 1.20 | 0.22 |
| SCHW | The Charles Schwab Corpor… | $95.20 | 172.81B | -39% | -27% | -52% | -25% | — | 3.43 | 6.11 | 13.33 | — | 5.60 | 80.28% | 49.42% | 31.99% | 0.00% | 42.73% | 0.00% | 0.65 | 3.64 | 2952.94 | 1654.88 | 2.10 | 5585.00% | 645.00% | 32746.00% | 5.18% | 136.93 | 35.45% | 0.00% | — | 0.00% | 14.66 | 22.87 | 7.24 | 133.48 |
| SLF | Sun Life Financial Inc. | $65.55 | 36.34B | -10% | +232,350% | -95% | +109% | 14.71 | 2.13 | 1.24 | 12.13 | 88.06 | 5.30 | 100.00% | 11.37% | 8.87% | 14.03% | 14.53% | 0.92% | 0.90 | 9.12 | — | — | 2.32 | 1670.00% | 2229.00% | 46936.00% | 26.07% | — | 52.31% | 3.95% | 58.10% | 7.22% | 13.46 | 4.74 | 1.53 | 0.32 |
| STT | State Street Corporation | $128.62 | 35.93B | -24% | -2% | -51% | -79% | 12.32 | 1.30 | 1.75 | 12.66 | 84.27 | 1.93 | 67.21% | 18.02% | 14.23% | 11.07% | -39.84% | 0.82% | 1.07 | 0.43 | 3.59 | 0.00 | 5.71 | 1462.00% | -578.00% | -13036.00% | 11.84% | 0.13 | -58.05% | 3.09% | 38.10% | 6.69% | 17.70 | 15.39 | 3.19 | 0.61 |
| SYF | Synchrony Financial | $69.11 | 24.89B | -8% | -20% | +3% | -93% | 6.92 | 1.47 | 1.28 | 4.37 | 79.90 | 1.74 | 51.04% | 24.17% | 18.58% | 21.30% | 24.60% | 2.98% | 0.91 | 1.12 | 0.21 | 0.21 | 0.04 | 865.00% | -791.00% | 3.00% | 40.11% | 0.12 | 68.22% | 2.08% | 14.40% | 16.26% | 4.85 | 2.28 | 1.17 | 0.08 |
About SoFi Technologies, Inc.
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
- CEO
- Anthony J. Noto
- Employees
- 5K
- Beta
- 2.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($78.70 ÷ $16.43) − 1 = +379% (DCF, example).