Fair value (multi-method)
Four independent methods triangulate what SOFI is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$30.36
Method range
$4.99 – $30.36
median $19.14
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $30.36 | +89.39% |
| Exit multiple | $16.88 | +5.29% |
| Analyst target | $21.40 | +33.50% |
| Graham number | $4.99 | -68.87% |
- Forward DCF$30.36
- Exit multiple$16.88
- Analyst target$21.40
- Graham number$4.99
Stock price
$16.03
FCF / share (TTM)
$0.04
3Y FCF CAGR
—
Fair value @ hist. growth
$0.46
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
64.4%
per year over your projection horizon
Margin of safety -3413.7% vs hist-growth DCF
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 8% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 13.0% | 60.6% | 60.0% | 59.3% | 58.7% | 57.9% |
| 14.0% | 63.0% | 62.5% | 61.9% | 61.3% | 60.6% |
| 15.0% | 65.4% | 64.9% | 64.4% | 63.8% | 63.2% |
| 15.0% | 65.4% | 64.9% | 64.4% | 63.8% | 63.2% |
| 15.0% | 65.4% | 64.9% | 64.4% | 63.8% | 63.2% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net cash
$3.1B
Total debt − cash
Beta
2.13
Vs market benchmark
Frequently asked questions
SoFi Technologies (SOFI) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation