SoFi Technologies (SOFI)
Financials · NASDAQ · US
Price as at 1 Oct 2026, 01:42 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
SoFi Technologies trades at $15.72, close to the $17.32 our fair value estimate puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 65 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 41.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
SOFI earnings and analyst estimates
Recommendation mix, 24 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About SoFi Technologies
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
SOFI passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
12 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- D. E. Shaw, D. E. Shaw & Co., Inc.$263.42M · 0.1% of book
- Marshall Wace, MARSHALL WACE, LLP$209.73M · 0.2% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$188.15M · 0.1% of book
- Cathie Wood, ARK Investment Management LLC$67.10M · 0.4% of book
- Brett Barakett, TREMBLANT CAPITAL GROUP$28.31M · 0.8% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Politician trades in SOFI
Trades in SOFI disclosed by members of Congress and executive-branch officials, latest first:
- Donald J Trump · Executive branchSell · $1,001 - $15,000 · traded 18 May 2026 · disclosed 1 Jul 2026
A disclosure reports a value band, not an amount, and is due up to 45 days after the trade; some arrive later. Every filer we track, each with their own page, is on the Congress trading tracker.
SOFI peers
The largest companies in the same industry, then in the same sector.
- INVE-B.ST Investor AB
- BRK-B Berkshire Hathaway Inc.
- JPM JPMorgan Chase & Co.
- V Visa Inc.
- DNB.OL DNB Bank
- MA Mastercard Inc.
- SEB-A.ST SEB
- 601398.SS ICBC
Every financials company we cover is on the Financials hub.
Common questions
Is SoFi Technologies (SOFI) undervalued?
Against our fair value estimate of $17.32, SOFI at $15.72 is 10% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own SOFI?
12 of the institutions we track reported a position in SOFI in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is SOFI's P/E ratio?
SOFI trades at 41.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its SOFI data?
Fundamentals for SOFI come from company filings and exchange data, as listed on NASDAQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 01:42 UTC and is delayed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for SOFI, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.