SOFI

$19.46

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, -81.28% trendline growth.
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$2.12

With 20% Margin of Safety (MoS):

$1.70
-91.28% downside
Capital Efficiency
Average Quarterly ROIC
4.1%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
10
BearishWeighted across 6 signals
DCF Discount
91.3% premium to price
0
FCF Yield
-5.5% trailing FCF yield
0
ROIC vs WACC
ROIC 4.1% vs WACC 11.0% (0.4x)
19
Net Debt / FCF
2.3x net debt to FCF
21
Buybacks
Share count growing
30
FCF CAGR (5Y)
-76.3% 5Y FCF CAGR (adjusted)
0
Pressure from: DCF Discount, FCF Yield.
Narrative Score
82
Strong
Weighted across 6 recent drivers · Last 30 daysVs 6-Month Baseline: High (91th pct)
Trend: Improving upConfidence: 100%Updated: 2h ago
Sources: 192 (News 187 · Analyst 5)
Drivers
156 news sentiment+5.8
21 regulatory scrutiny+0.8
4 earnings beat+0.4
5 upgrade headlines+0.3
Analyst upgrades+0.2
Downgrade headlines+0.0
Other Metrics
P/E45.0
Profit Margin14.4%
Owner Earnings$1.21b
One Dollar Premise0.00%
Debt/Equity4.56
Current Ratio0.16
PEG3.975
Free Cash Flow (in millions)
20172018201920202021202220232024
$88$1,037-$17-$455-$1,298-$7,152-$7,106-$1,345
How Intrinziq Estimates Fair Value

Intrinziq estimates SoFi Technologies, Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

SoFi Technologies, Inc.Financial 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.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.