SOFI Valuation

SoFi Technologies Inc

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29.810

+0.3(1.017%)1D

Overview
Forecast
Valuation
Earnings

SOFI Relative Valuation

SOFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SOFI is overvalued; if below, it's undervalued.

Historical Valuation

SoFi Technologies Inc (SOFI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 9.31 is considered Overvalued compared with the five-year average of 10.88. The fair price of SoFi Technologies Inc (SOFI) is between 7.05 to 23.17 according to relative valuation methord. Compared to the current price of 29.51 USD , SoFi Technologies Inc is Overvalued By 27.38%.

Relative Value

Fair Zone

7.05-23.17

Current Price：29.51

27.38%

Overvalued

70.29

Trailing

Forward

0.00

EV/EBITDA

SoFi Technologies Inc. (SOFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

SoFi Technologies Inc. (SOFI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

9.31

SoFi Technologies Inc. (SOFI) has a current PS of 9.31. The 5-year average PS is 4.58. The thresholds are as follows: Strongly Undervalued below -1.78, Undervalued between -1.78 and 1.40, Fairly Valued between 7.75 and 1.40, Overvalued between 7.75 and 10.93, and Strongly Overvalued above 10.93. The current Forward PS of 9.31 falls within the Overvalued range.

-10.05

P/OCF

SoFi Technologies Inc. (SOFI) has a current P/OCF of -10.05. The 5-year average P/OCF is 1.65. The thresholds are as follows: Strongly Undervalued below -45.62, Undervalued between -45.62 and -21.98, Fairly Valued between 25.29 and -21.98, Overvalued between 25.29 and 48.92, and Strongly Overvalued above 48.92. The current Forward P/OCF of -10.05 falls within the Historic Trend Line -Fairly Valued range.

44.34

P/FCF

SoFi Technologies Inc. (SOFI) has a current P/FCF of 44.34. The 5-year average P/FCF is 28.27. The thresholds are as follows: Strongly Undervalued below -156.75, Undervalued between -156.75 and -64.24, Fairly Valued between 120.79 and -64.24, Overvalued between 120.79 and 213.30, and Strongly Overvalued above 213.30. The current Forward P/FCF of 44.34 falls within the Historic Trend Line -Fairly Valued range.

SoFi Technologies Inc (SOFI) has a current Price-to-Book (P/B) ratio of 4.79. Compared to its 3-year average P/B ratio of 1.72 , the current P/B ratio is approximately 178.06% higher. Relative to its 5-year average P/B ratio of 0.84, the current P/B ratio is about 468.03% higher. SoFi Technologies Inc (SOFI) has a Forward Free Cash Flow (FCF) yield of approximately -8.55%. Compared to its 3-year average FCF yield of -75.67%, the current FCF yield is approximately -88.70% lower. Relative to its 5-year average FCF yield of -57.29% , the current FCF yield is about -85.08% lower.

4.84

P/B

Median3y

1.72

Median5y

0.84

-8.55

FCF Yield

Median3y

-75.67

Median5y

-57.29

Competitors Valuation Multiple

The average P/S ratio for SOFI's competitors is , providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 44.10%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

SOFI.O

SoFi Technologies Inc

Performance Decomposition

Market capitalization of SOFI increased by 279.26% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 3.56 to 13.81.

The secondary factor is the Revenue Growth, contributed 44.10%to the performance.

Overall, the performance of SOFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

44.10%

488.92M → 704.51M

Revenue Growth

287.92%

3.56 → 13.81

Margin Expansion

-52.76%

128.93 → 60.91

P/E Change

279.26%