Historical Valuation
SoFi Technologies Inc (SOFI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 8.15 is considered Overvalued compared with the five-year average of 13.61. The fair price of SoFi Technologies Inc (SOFI) is between 6.96 to 23.13 according to relative valuation methord. Compared to the current price of 26.13 USD , SoFi Technologies Inc is Overvalued By 12.97%.
Relative Value
Fair Zone
6.96-23.13
Current Price：26.13
12.97%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
SoFi Technologies Inc (SOFI) has a current Price-to-Book (P/B) ratio of 3.77. Compared to its 3-year average P/B ratio of 2.02 , the current P/B ratio is approximately 86.58% higher. Relative to its 5-year average P/B ratio of 1.14, the current P/B ratio is about 229.45% higher. SoFi Technologies Inc (SOFI) has a Forward Free Cash Flow (FCF) yield of approximately -9.16%. Compared to its 3-year average FCF yield of -62.88%, the current FCF yield is approximately -85.44% lower. Relative to its 5-year average FCF yield of -54.53% , the current FCF yield is about -83.21% lower.
Competitors Valuation Multiple
AI Analysis
The average P/S ratio for SOFI competitors is 3.40, providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI.O) exhibits a P/S ratio of 8.15, which is 139.99% above the industry average. Given its robust revenue growth of 39.55%, this premium appears sustainable.
Performance Decomposition
AI Analysis
1Y
3Y
5Y
Market capitalization of SOFI increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of SOFI in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is SOFI currently overvalued or undervalued?
SoFi Technologies Inc (SOFI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 8.15 is considered Overvalued compared with the five-year average of 13.61. The fair price of SoFi Technologies Inc (SOFI) is between 6.96 to 23.13 according to relative valuation methord. Compared to the current price of 26.13 USD , SoFi Technologies Inc is Overvalued By 12.97% .
What is SoFi Technologies Inc (SOFI) fair value?
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. The fair price of SoFi Technologies Inc (SOFI) is between 6.96 to 23.13 according to relative valuation methord.
How does SOFI's valuation metrics compare to the industry average?
The average P/S ratio for SOFI's competitors is 3.40, providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI) exhibits a P/S ratio of 8.15, which is 139.99% above the industry average. Given its robust revenue growth of 39.55%, this premium appears sustainable.
What is the current P/B ratio for SoFi Technologies Inc (SOFI) as of Jan 18 2026?
As of Jan 18 2026, SoFi Technologies Inc (SOFI) has a P/B ratio of 3.77. This indicates that the market values SOFI at 3.77 times its book value.
What is the current FCF Yield for SoFi Technologies Inc (SOFI) as of Jan 18 2026?
As of Jan 18 2026, SoFi Technologies Inc (SOFI) has a FCF Yield of -9.16%. This means that for every dollar of SoFi Technologies Inc’s market capitalization, the company generates -9.16 cents in free cash flow.
What is the current Forward P/E ratio for SoFi Technologies Inc (SOFI) as of Jan 18 2026?
As of Jan 18 2026, SoFi Technologies Inc (SOFI) has a Forward P/E ratio of 50.52. This means the market is willing to pay $50.52 for every dollar of SoFi Technologies Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for SoFi Technologies Inc (SOFI) as of Jan 18 2026?
As of Jan 18 2026, SoFi Technologies Inc (SOFI) has a Forward P/S ratio of 8.15. This means the market is valuing SOFI at $8.15 for every dollar of expected revenue over the next 12 months.