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)
$29.85
Method range
$4.99 – $29.85
median $19.25
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 | $29.85 | +74.87% |
| Exit multiple | $17.39 | +1.86% |
| Analyst target | $21.11 | +23.67% |
| Graham number | $4.99 | -70.77% |
- Forward DCF$29.85
- Exit multiple$17.39
- Analyst target$21.11
- Graham number$4.99
Stock price
$17.07
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
65.5%
per year over your projection horizon
Margin of safety -3,641.7% 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% | 61.7% | 61.0% | 60.4% | 59.7% | 59.0% |
| 14.0% | 64.1% | 63.6% | 63.0% | 62.3% | 61.7% |
| 15.0% | 66.5% | 66.0% | 65.5% | 64.9% | 64.3% |
| 15.0% | 66.5% | 66.0% | 65.5% | 64.9% | 64.3% |
| 15.0% | 66.5% | 66.0% | 65.5% | 64.9% | 64.3% |
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
$2.99B
Total debt − cash
Beta
2.15
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
How this company returns cash to shareholders — buybacks, dividends, and stock splits.