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Company Overview We are a mission driven company designed to help our members achieve financial independence in order to realize their ambitions. To us, financial independence does not mean being wealthy, but rather represents the ability of our members to have the financial means to achieve their personal objectives at each stage of life, such as owning a home, having a family, or having a car…
$17.28
$0.04 (-0.23%)
EOD Jul 17, 2026
Net margin is thin at 13.32%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 35.1% YoY.
At 38x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
38.4x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$3.94B
▲ +35.1% YoY
Net Income (TTM)
$577M
▼ -3.5% YoY
Net Margin
14.64%
P/E
38.4x
Balance Sheet
Total Assets
$53.70B
Equity
$10.81B
Total Debt
$101M
Cash & Equiv.
$3.40B
5Y CAGR: +44.9%
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At a P/E of 38.4, SoFi Technologies (SOFI)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, SoFi Technologies scores 77/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
SoFi Technologies scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 47.5% operating margin and a 19.3% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh SOFI's valuation and scores 77/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.