SoFi Technologies, Inc. (SOFI) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection.
Is SoFi Technologies, Inc. stock overvalued or undervalued in 2026?
SoFi Technologies, Inc. (SOFI) trades at 31.2× earnings (P/E), above the median of the 324 financial services companies over $2bn in Kaplio's universe. At its sector median (13.0×) $7 (-58 %).
Kaplio overview: SoFi Technologies, Inc.
Market cap $22B · 52 weeks $14 – $32 (47 % below the high) · P/E 31.2× · 2027 expected P/E 20.5× · Dividend none · Next earnings January 29, 2027 · expected EPS $0.20 · Closing price, Oct 28 · accounts published Oct 27.
- Valuation: P/E 31.2× (expensive).
- Business: ROE 6.8 % (weak).
- Balance sheet: Debt/Equity 0.35 (solid).
- Earnings: 8 of 8 (on track).
What would it be worth at its usual multiples?
At its sector median (13.0×) $7 (-58 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in financial services: 1 of 5 pass
- 5y revenue growth −8.5 %, fails.
- Operating margin 11.0 %, fails.
- ROE 6.8 %, fails.
- FCF / Net Income −827.9 %, fails.
- Debt / Equity 0.35, passes.
Against its peers (reference peers) — SoFi Technologies, Inc.: P/E 31.2×; EV/EBITDA 15.3×; ROIC 4.5 %; $22.1B. Affirm Holdings, Inc. (P/E 12.7×; EV/EBITDA 23.4×; ROIC 11.6 %; $20.8B), Ally Financial Inc. (P/E 8.9×; EV/EBITDA 9.6×; ROIC 3.5 %; $11.8B), PayPal Holdings, Inc. (P/E 10.8×; EV/EBITDA 7.3×; ROIC 14.4 %; $48.4B).
Profitability
| Return on Equity | 6.76% |
| Return on Invested Capital | 4.49% |
| Return on Assets | 1.09% |
| Gross Margin | 76.66% |
| Operating Margin | 14.84% |
| Net Margin | 12.07% |
Financial Health
| Debt / Equity | 0.35 |
| Current Ratio | 0.83 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.14 |
Price Performance
| 1 month | +7.73% |
| 3 months | +5.09% |
| Year-to-date | -34.53% |
| 1 year | -44.53% |
| 3 years | +146.97% |
| 5 years | -14.68% |
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Explore sector: Financial Services · Financial - Credit Services
More sections of SOFI: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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