SOFI · Financial Services
SoFi Technologies (SOFI) stock valuation & score
SoFi Technologies, Inc. (SOFI) is a financial services company with a market capitalisation of $21.6B. Its share price was $16.84 as of September 17, 2026.
Arqon grades its valuation A and gives it an overall score of 57 out of 100, which ranks SoFi Technologies #34 of the 58 large US companies Arqon covers.
- Valuation grade
- A
- Overall score
- 57/100
- Rank
- 34/58
- Share price
- $16.84
- Market cap
- $21.6B
- P/E ratio
- 44.9×
Valuation grade: A
SoFi Technologies is graded A, the best of Arqon’s five grades: the share price sits well below what its valuation models justify.
The grade combines a discounted cash flow (DCF) model, a simpler model built on earnings and free cash flow, and a comparison of today’s P/E, price-to-free-cash-flow and EV/EBITDA multiples with their own historical medians. It describes the price relative to those models, not a recommendation.
SoFi Technologies’s fair value, its upside and the full DCF breakdown are reserved for Arqon members.
See the fair valueOverall score: 57/100
A score of 57 points to mixed fundamentals. The overall score adds four pillars, each marked out of 25: profitability (returns on capital and margins), growth (revenue, earnings and free cash flow), financial health (debt and interest coverage) and quality (accounting solidity and dilution).
- Strength — Revenue growth (5-year CAGR): 44.7% for SoFi Technologies, against a median of 10.6% across the 58 companies Arqon covers.
- Strength — Debt to equity: 0.18 for SoFi Technologies, against a median of 0.63 across the 58 companies Arqon covers.
- Weak point — Free cash flow margin: -83.5% for SoFi Technologies, against a median of 10.9% across the 58 companies Arqon covers.
- Weak point — Current ratio: 0.24 for SoFi Technologies, against a median of 1.11 across the 58 companies Arqon covers.
SOFI key financial ratios
| Ratio | SOFI | Median of the companies covered |
|---|---|---|
| P/E ratio | 44.9× | 28.9× |
| Price-to-sales | 4.5× | 3.2× |
| EV / EBITDA | 24.5× | 19.6× |
| Return on equity (ROE) | 4.6% | 17.7% |
| Return on invested capital (ROIC) | 6.4% | 10.5% |
| Gross margin | 75.1% | 49.0% |
| Net margin | 10.1% | 10.5% |
| Free cash flow margin | -83.5% | 10.9% |
| Revenue growth (5-year CAGR) | 44.7% | 10.6% |
| Debt to equity | 0.18 | 0.63 |
| Current ratio | 0.24 | 1.11 |
| Interest coverage | 0.5× | 8.0× |
| Dividend yield | 0.0% | 0.4% |
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Frequently asked questions
Is SOFI stock undervalued?
Arqon grades SoFi Technologies’s valuation A: on its models, the share price looks attractive relative to the company’s earnings and cash flows. The fair value estimate itself is reserved for Arqon members. This is not investment advice.
What is SoFi Technologies’s Arqon score?
SoFi Technologies scores 57 out of 100, #34 of the 58 companies Arqon covers. The score adds profitability, growth, financial health and quality, each marked out of 25.
How often is this page updated?
Prices are refreshed every weekday before the US market opens, valuation grades every week and scores after each quarterly report. Prices shown are as of September 17, 2026; the valuation grade as of September 12, 2026.
Arqon is a research tool, not an investment adviser. Grades and scores describe data and models; they are not a recommendation to buy or sell any security.