What Is SOFI Fair Value?
SoFi Technologies Inc. (SOFI) fair value estimate using multiple valuation models, updated daily.
As of August 1, 2026, SoFi Technologies Inc. (SOFI) has a composite fair value estimate of $15.57 based on four valuation models: DCF (41% weight), Graham Number (29% weight), PEG (29% weight), and DDM (0% weight). The current market price is $16.31, suggesting the stock is fair value by 4.6%.
Data as of August 1, 2026 (today)
Composite Fair Value
Fair Value3 of 4 models$15.57
vs. current price of $16.31(-4.6%)
How Is SOFI Fair Value Calculated?
Four independent models estimate what SOFI is worth. Each uses different inputs and assumptions. The composite blends them by weight.
SOFI Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
41% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$8.58
-47.4%Overvalued
Inputs used
DDM (Dividend Discount Model)
0% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
N/A
This stock does not pay a dividend, so the DDM cannot be applied. The composite adjusts by redistributing this weight to the other models.
SOFI Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
29% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$10.61
-35.0%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
29% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$28.19
+72.8%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $16.31 is 47.4% above this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $451.2M | $393.8M |
| Year 2 | $564.0M | $429.5M |
| Year 3 | $705.1M | $468.5M |
| Year 4 | $881.3M | $511.0M |
| Year 5 | $1.10B | $557.4M |
| Year 6 | $1.38B | $608.0M |
| Year 7 | $1.72B | $663.2M |
| Year 8 | $2.15B | $723.4M |
| Year 9 | $2.69B | $789.1M |
| Year 10 | $3.36B | $860.7M |
| Terminal Value | $28.49B | $7.29B |
What Are SOFI's Key Financial Metrics?
Earnings & Growth
Current Price
$16.31
EPS (TTM)
$0.49
Forward P/E
20.1
Profit Margin
14.9%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$8.44
Total Debt
3.4B
What Do Analysts Say About SOFI?
Low
$12.00
Average
$19.87
High
$30.00
Upside
+21.8%
SOFI Fair Value FAQ
What is the fair value of SOFI?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), SOFI's estimated fair value is $15.57. The stock is currently trading at $16.31, which makes it fair value by our analysis.
How is SOFI's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is SOFI overvalued or undervalued?
Based on our analysis, SOFI is fair value. The current price of $16.31 is 4.6% above our estimated fair value of $15.57.
What do Wall Street analysts say about SOFI?
19 analysts cover SoFi Technologies Inc. with a consensus rating of "Hold." The average price target is $19.87, ranging from $12.00 to $30.00. This implies 21.8% upside from the current price.