SOFI - NASDAQ

SoFi Technologies, Inc.

SoFi Technologies, Inc.

SOFIยทNASDAQ

$16.68

-10%
Financial ServicesFinancial - Credit Services

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$21.40B
EPS0.4200
P/E Ratio39.71
Earnings Date08/04/2026
SoFi Technologies, Inc.

SoFi Technologies, Inc. Fair Value Envelope

SOFI ยท NASDAQ

Our analysis suggests that SOFI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $16.68, this represents a potential HIDDEN relative to our calculated worth for SoFi Technologies, Inc..

HIDDEN
Intrinsic Value
Current Price: $16.68

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$3.3B
+ Cash & Equivalents$4.9B
Firm Value$1.7B
- Debt$1.8B
Equity Value-$152.8M
/ Shares Outstanding1,205,903,044B
DCF Value-$0
OVERVALUED BY 101%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$1.9B
-$935.6M
-$467.8M
-$233.9M
-$117.0M
-$58.5M
-$29.2M
-$14.6M
-$7.3M
-$3.7M
Maintenance CapEx
-$24.2M
-$12.1M
-$6.1M
-$3.0M
-$1.5M
-$757.6K
-$378.8K
-$189.4K
-$94.7K
-$47.4K
Owner Earnings
-$1.9B
-$947.7M
-$473.9M
-$236.9M
-$118.5M
-$59.2M
-$29.6M
-$14.8M
-$7.4M
-$3.7M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$1.8B
-$812.5M
-$376.2M
-$174.2M
-$80.6M
-$37.3M
-$17.3M
-$8.0M
-$3.7M
-$1.7M
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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3

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