Stock Valuation / SOFI
Is SoFi Technologies, Inc. (SOFI) Overvalued? Fair Value & 5-Year Target
SoFi Technologies, Inc. trades at $15.24 (P/E 31.10). Our reference model estimates a fair value of $10.57 at its recent average P/E of 21.57.
| Current price | $15.24 |
|---|---|
| Current EPS | $0.49 |
| Current P/E | 31.10 |
| Average P/E | 21.57 |
| Fair value (at avg P/E) | $10.57 |
| Upside to fair value | -30.6% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $24.64 |
What drives SOFI's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About SoFi Technologies, Inc.
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
Frequently asked questions
What is SOFI's fair value?
At its recent average P/E of 21.57, SoFi Technologies, Inc. (SOFI) has a reference fair value of about $10.57, which is -30.6% versus the current price of $15.24.
Is SoFi Technologies, Inc. (SOFI) overvalued or undervalued?
Based on the average-P/E reference model, SoFi Technologies, Inc. looks overvalued relative to fair value by roughly +30.6%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for SOFI?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $24.64. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive SOFI valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.