SOFI- SoFi Technologies, Inc.
Financial Services · Credit Services
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
HoldWall Street consensus from 22 analysts
12-Month Price Target
$20.34
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $17.65
Graham Number
√(22.5 × EPS × Book Value)
$9.73
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
N/A
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
5/10
63% score
Pays dividends
No dividend history found
Dividend consistency (5Y+)
Uninterrupted dividend payments for at least 5 years
ROE above 10%
7.1%Return on equity - measures how efficiently capital is used
Positive profit margin
14.9%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+42.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+40.4%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
30.84×Low financial leverage reduces risk of distress
Current ratio above 1
1.10×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$1.2B/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 27, 2026
42
days
EPS (TTM)
$0.49
P/E (TTM)
36.0
Fwd P/E
21.3
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
This stock does not pay dividends.
Tools & Simulators
SOFI vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About SoFi Technologies, Inc.
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Sector
Financial Services
Industry
Credit Services
Location
San Francisco, United States
Employees
6,100
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SoFi Technologies, Inc. (SOFI) stock trades at $17.65, up 1.91% on the day. With a market capitalization of $22.80 billion, SOFI is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 36.0, a forward P/E of 21.3 and earnings per share (EPS) of $0.49. Over the most recent period the company reported 43% year-over-year revenue growth and a net profit margin of 14.9%. Below you'll find SOFI's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
SOFI - Frequently Asked Questions
Is SoFi Technologies, Inc. (SOFI) a good stock to buy in 2026?
SoFi Technologies, Inc. (SOFI) shows strengths such as revenue growth of 43%, while risks include high leverage (debt/equity of 30.8). Whether SOFI is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is SOFI's stock price today?
SoFi Technologies, Inc. (SOFI) trades at $17.65, up 1.91% on the session. Prices on this page update throughout the trading day.
Does SOFI pay a dividend?
No. SoFi Technologies, Inc. (SOFI) does not currently pay a dividend, so the return comes entirely from share-price appreciation.
Is SOFI overvalued?
With a P/E ratio of 36.0×, SOFI is valued above the broad-market average for the financial services sector. Its PEG ratio is 0.62 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is SOFI's market cap?
SoFi Technologies, Inc. (SOFI) has a market capitalization of $22.80 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.