What Is SOFI Fair Value?
SoFi Technologies Inc. (SOFI) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, SoFi Technologies Inc. (SOFI) has a composite fair value estimate of $15.71 based on four valuation models: DCF (41% weight), Graham Number (29% weight), PEG (29% weight), and DDM (0% weight). The current market price is $16.76, suggesting the stock is fair value by 6.3%.
Data as of October 31, 2026 (today)
Composite Fair Value
Fair Value3 of 4 models$15.71
vs. current price of $16.76(-6.3%)
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 →
$7.31
-56.4%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 →
$10.92
-34.8%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.
$30.44
+81.6%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 $16.76 is 56.4% above this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $451.2M | $391.5M |
| Year 2 | $564.0M | $424.6M |
| Year 3 | $705.1M | $460.5M |
| Year 4 | $881.3M | $499.4M |
| Year 5 | $1.10B | $541.7M |
| Year 6 | $1.38B | $587.5M |
| Year 7 | $1.72B | $637.1M |
| Year 8 | $2.15B | $691.0M |
| Year 9 | $2.69B | $749.4M |
| Year 10 | $3.36B | $812.8M |
| Terminal Value | $27.02B | $6.53B |
What Are SOFI's Key Financial Metrics?
Earnings & Growth
Current Price
$16.76
EPS (TTM)
$0.55
Forward P/E
18.8
Profit Margin
15.7%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$8.71
Total Debt
4B
What Do Analysts Say About SOFI?
Low
$12.00
Average
$20.75
High
$30.00
Upside
+23.8%
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 $15.71. The stock is currently trading at $16.76, 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 $16.76 is 6.3% above our estimated fair value of $15.71.
What do Wall Street analysts say about SOFI?
23 analysts cover SoFi Technologies Inc. with a consensus rating of "Hold." The average price target is $20.75, ranging from $12.00 to $30.00. This implies 23.8% upside from the current price.