SoFi Technologies Inc.
NASDAQ: SOFI · FINANCIAL SERVICES · CREDIT SERVICES
Updated 2026-04-29
SoFi Technologies Inc. (SOFI) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for SOFI.
Valued
Valuation reasonably reflects current fundamentals. Limited margin of safety at these levels.
SOFI historical valuation range
Where current P/E sits in SOFI's own 5Y range.
SOFI intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
SOFI valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 34.50x
P/S Ratio — History
Current: 5.09x
Is SOFI overvalued in 2026?
SoFi Technologies Inc. (SOFI) currently trades at $15.53 per share with a market capitalization of $19,893,883,000.00. Based on our multi-factor framework, the stock trades at a fair valuation with a Smart Value Score of 73/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 34.5x, below its 5-year median of 45.5x. The PEG ratio of 0.99 suggests earnings growth is outpacing the multiple, a classic sign of undervaluation.
Looking at its own history, SOFI is currently trading cheaper than 83% of the last 5Y on P/E. This places it in the 17th percentile of its historical range, a level that has historically coincided with attractive entry points.
A standard DCF model does not produce reliable output for SOFI under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
The Piotroski F-Score of 4/9 puts financial quality in a middling range, neither a standout strength nor an obvious red flag.
Bottom line: SOFI trades at a fair valuation on our framework, with a Smart Value Score of 73/100. The valuation is defensible but offers no obvious bargain. Patience or a better entry price may reward disciplined buyers.
Frequently asked questions
Is SOFI overvalued in 2026?
Based on a Smart Value Score of 73/100, SOFI is fairly valued. Price reasonably reflects current fundamentals with limited cushion in either direction.
What is SOFI's fair value?
Standard DCF is unreliable for SOFI due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does SOFI trade at?
SOFI trades at a P/E of 34.5x on trailing twelve-month earnings, compared to its 5-year median of 45.5x.
Is SOFI a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 73/100 reflects the combined read on growth, quality, and price. The profile is balanced. Best suited for investors with an existing thesis.
How does SOFI's valuation compare to its history?
On P/E, SOFI currently sits in the 17th percentile of its own 5Y range. That is historically cheap relative to where it has traded over the period.
What is SOFI's Smart Value Score?
SOFI's Smart Value Score is 73/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.