What is SOFI's health score?

SoFi Technologies, Inc. (SOFI) has a TradeApes health score of 43 out of 100, rated Weak. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is SOFI's estimated fair value?

Based on our 5-year discounted cash flow model, SoFi Technologies, Inc.'s estimated fair value is $7.94 per share, representing a -50.5% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is SOFI undervalued or overvalued?

Our model currently rates SOFI as Overvalued. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for SOFI... Refresh in a moment for the full analysis.

SoFi Technologies, Inc. (SOFI)

Financials Overvalued low weak

$16.03

Updated: 2026-06-06

TradeApes Score

Financial Strength

35 Weak

Operating Trend

50 Mixed

Relative Value

30 Weak

Capital Allocation

40 Weak

Risk

80 Strong

Est. Fair Value $7.94

DCF Upside -50.5%

Sector Rank #6100 of 6384

Key Findings

+ Active debt paydown — total debt declining more than 10% year over year

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− Excessive stock comp — SBC above 15% of revenue, wealth transfer to employees

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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