SoFi Technologies Inc (SOFI) is now in the Overvalued zone, suggesting that its current forward PS ratio of 8.15 is considered Overvalued compared with the five-year average of 14.30. The fair price of SoFi Technologies Inc (SOFI) is between 4.86 to 15.85 according to relative valuation method. Compared to the current price of 17.76 USD , SoFi Technologies Inc By Overvalued By 12.04%.

Relative Value

Fair Zone

4.86-15.85

Current Price：17.76

12.04%

Overvalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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SoFi Technologies Inc (SOFI) has a current Price-to-Book (P/B) ratio of 3.77. Compared to its 3-year average P/B ratio of 2.06, the current P/B ratio is approximately 83.22% higher. Relative to its 5-year average P/B ratio of 1.46, the current P/B ratio is about 157.46% higher. SoFi Technologies Inc (SOFI) has a Forward Free Cash Flow (FCF) yield of approximately -9.16%. Compared to its 3-year average FCF yield of -60.32%, the current FCF yield is approximately -84.82% lower. Relative to its 5-year average FCF yield of -55.15%, the current FCF yield is about -83.40% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for SOFI competitors is 3.40, providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI.O) exhibits a P/S ratio of 8.15, which is 139.99% above the industry average. Given its robust revenue growth of 42.49%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of SOFI increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of SOFI in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is SOFI currently overvalued or undervalued?

What is SoFi Technologies Inc (SOFI) fair value?

SOFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of SoFi Technologies Inc (SOFI) is between 4.86 to 15.85 according to relative valuation method.

How does SOFI's valuation metrics compare to the industry average?

The average P/S ratio for SOFI's competitors is 3.40, providing a benchmark for relative valuation. SoFi Technologies Inc Corp (SOFI) exhibits a P/S ratio of 8.15, which is 139.99% above the industry average. Given its robust revenue growth of 42.49%, this premium appears sustainable.

What is the current P/B ratio for SoFi Technologies Inc (SOFI) as of Mar 02 2026?

As of Mar 02 2026, SoFi Technologies Inc (SOFI) has a P/B ratio of 3.77. This indicates that the market values SOFI at 3.77 times its book value.

What is the current FCF Yield for SoFi Technologies Inc (SOFI) as of Mar 02 2026?

As of Mar 02 2026, SoFi Technologies Inc (SOFI) has a FCF Yield of -9.16%. This means that for every dollar of SoFi Technologies Inc's market capitalization, the company generates -9.16 cents in free cash flow.

What is the current Forward P/E ratio for SoFi Technologies Inc (SOFI) as of Mar 02 2026?

As of Mar 02 2026, SoFi Technologies Inc (SOFI) has a Forward P/E ratio of 50.52. This means the market is willing to pay $50.52 for every dollar of SoFi Technologies Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for SoFi Technologies Inc (SOFI) as of Mar 02 2026?

As of Mar 02 2026, SoFi Technologies Inc (SOFI) has a Forward P/S ratio of 8.15. This means the market is valuing SOFI at $8.15 for every dollar of expected revenue over the next 12 months.

SOFI Valuation