SoFi Technologies Inc. (SOFI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
SoFi Technologies Inc. stock (SOFI) is currently trading at $16.56. SoFi Technologies Inc. PE ratio is 42.82. SoFi Technologies Inc. PS ratio (Price-to-Sales) is 5.94. Analyst consensus price target for SOFI is $25.73. WallStSmart rates SOFI as Hold.
SoFi Technologies Inc. (SOFI) stock price prediction for 2030: Base case $2.82. Bull case $3.53. Bear case $2.12. See full SOFI 2030 price forecast and methodology on WallStSmart.
- SOFI PE ratio analysis and historical PE chart
- SOFI PS ratio (Price-to-Sales) history and trend
- SOFI intrinsic value — DCF, Graham Number, EPV models
- SOFI stock price prediction 2025 2026 2027 2028 2029 2030
- SOFI fair value vs current price
- SOFI insider transactions and insider buying
- Is SOFI undervalued or overvalued?
- SoFi Technologies Inc. financial analysis — revenue, earnings, cash flow
- SOFI Piotroski F-Score and Altman Z-Score
- SOFI analyst price target and Smart Rating
SoFi Technologies Inc.
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SOFI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · SoFi Technologies Inc. (SOFI)
SOFI trades 609% above its Graham fair value of $2.65, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
SoFi Technologies Inc. (SOFI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, revenue growth. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
SoFi Technologies Inc. (SOFI) Key Strengths (4)
Revenue surging 40.20% year-over-year
Large-cap company with substantial market presence
Good growth relative to its price
55.84% held by institutions, strong professional interest
Supporting Valuation Data
SoFi Technologies Inc. (SOFI) Areas to Watch (6)
Earnings declining -57.00%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 5.9x annual revenue
Decent operational efficiency, solid but not exceptional
Fairly priced relative to book value
Decent profitability, keeps $13 per $100 revenue
Supporting Valuation Data
SoFi Technologies Inc. (SOFI) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 8.8/10) while 6 fall into concern territory (avg 4.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Revenue Growth, Market Cap, PEG Ratio. Valuation metrics including PEG Ratio (1.45) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 40.20%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (5.94), Price/Book (2.06) suggest expensive pricing. Growth concerns include EPS Growth at -57.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.66%, Operating Margin at 18.20%, Profit Margin at 13.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.66% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 40.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, Market Cap) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SOFI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SOFI's Price-to-Sales ratio of 5.94x sits near its historical average of 6.44x (58th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 75% below its historical high of 23.33x set in Jan 2021, and 170% above its historical low of 2.2x in Jun 2024. Over the past 12 months, the PS ratio has expanded from ~3.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for SoFi Technologies Inc. (SOFI) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
SoFi Technologies Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 3.6B with 40% growth year-over-year. Profit margins of 13.4% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 40% YoY, reaching 3.6B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 566.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -1.1B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Earnings fell 57% YoY while revenue grew 40%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can SoFi Technologies Inc. push profit margins above 15% as the business scales?
Growth sustainability: can SoFi Technologies Inc. maintain 40%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 2.26, so expect amplified moves relative to the broader market.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact SoFi Technologies Inc..
Bottom Line
SoFi Technologies Inc. offers an attractive blend of growth (40% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(54 last 3 months)
| Insider | Type | Shares |
|---|---|---|
KEOUGH, KELLI EVP, GBUL, SIPS | Sell | -9,742 |
| Insider | Type | Shares |
|---|---|---|
RISHEL, JEREMY Chief Technology Officer | Sell | -94,958 |
| Insider | Type | Shares |
|---|---|---|
NOTO, ANTHONY Director, Chief Executive Officer | Buy | +56,000 |
| Insider | Type | Shares |
|---|---|---|
KEOUGH, KELLI EVP, GBUL, SIPS | Sell | -9,755 |
| Insider | Type | Shares |
|---|---|---|
LAVET, ROBERT S General Counsel | Buy | +144,229 |
| Insider | Type | Shares |
|---|---|---|
SCHUPPENHAUER, ERIC EVP GBUL Borrow | Buy | +5,000 |
| Insider | Type | Shares |
|---|---|---|
PINTO, ARUN Chief Risk Officer | Buy | +71,500 |
| Insider | Type | Shares |
|---|---|---|
KEOUGH, KELLI EVP, GBUL, SIPS | Sell | -9,468 |
| Insider | Type | Shares |
|---|---|---|
BORDEN, WILLIAM A. Director | Buy | +670 |
Data sourced from SEC Form 4 filings
Last updated: 8:27:44 AM
About SoFi Technologies Inc.(SOFI)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.