NASDAQ · SOFI
SoFi Technologies, Inc.
Financial Services · Financial - Credit Services
$16.76▼ 4.83% ($0.85)at close
After hours$16.77▲ 0.06%7:59 PM ET
Market cap
$21.65B
P/E
30.84
EPS (TTM)
$0.54
Valuation
P/E Valuation
Verdict: cheap. Price below all scenarios.
Estimated value / share · Base
$24.24
+45%Price vs. estimate range
Assumption scenarios, not confidence intervals
Bear $24.24, Base $24.24; price used $16.76
Bear $24.24, Base $24.24; price used $16.76
- P/E multiple
- 44.6×
- Earnings basis
- Trailing EPS
USD · Trailing earnings · Price Oct 30, 8:00 PM UTC
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock fell 42.27% over the last year. Income grew 42.42% over the trailing twelve months. Operating margin moved from 12.17% to 19.35%.
What the market seems to be pricing
Visible fundamentals weakened far less than the stock price, and the shares now sit around the 13th percentile of their historical P/E range. That looks more like a rerating of the multiple than a collapse in the business.
What would invalidate this read
This read changes if operating margin (currently 19.35%) continues to decline, or if income growth turns negative. The bull case requires the business to hold its current trajectory.
Return analysis
Company profile
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions.
Market multiples
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
12
Buy
13
Hold
4
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Actuals vs estimates by quarter, or any quarter against the same one a year earlier.
Next report
Jan 29, 2027
Q4 FY26 · EPS est $0.20 · Revenue est $1.4B
Same quarter, year over year
FY26 YTD +68.0%Each cell vs the same quarter a year earlier (the cell below) · Q1–Q3 combined $0.42 vs $0.25 · all 3 quarters up
Q1
Q2
Q3
Q4
FY total
FY26
—
FY25
FY24
FY23
—
—
—
—
Fiscal year totals
- FY25
- $0.38
- +2.7%
- FY24
- $0.37
- —
n/m: last year’s figure was zero, a loss or too small to compare against
Q3 FY26
Reported Oct 27, 2026 · Latest
HoverTap a cell to inspect
Actual
$0.18
Estimate
$0.16
Year over year
+63.6%
Vs prior quarter
+50.0%
Institutional Sentiment
SoFi Technologies, Inc. · SOFI
From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.