Stock fact sheet · data as of
SoFi Technologies, Inc. (SOFI): fair value, margin of safety and Wheel Score
Ticker symbol SOFI · Financial Services · Financial - Credit Services · United States · Growth
Is SOFI undervalued?
SOFI closed at 17.38 on 5 Nov 2026 against a GLS average fair value of 19.24 - 9.7% below fair value, which our scans read as "fairly priced". 2 of 6 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between EPV (6.34) and GLS Growth (34.95). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, SOFI is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 35, growth score 85, out of 100).
Nine valuation models for SOFI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 16.63 | -4% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 10.59 | -39% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 32.65 | +88% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 14.27 | -18% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 34.95 | +101% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 6.34 | -64% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -23.92 | -238% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 21.77 | +25% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
SoFi Technologies, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 2.7/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 3.9%, ROE 4.6%, ROA 1.0% - with debt at 0.18 times equity and negative free cash flow.
SoFi Technologies, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Lending 56%, Financial Services 37%, Technology Platform 7% (quarter Q1 FY2026).
Institutional ownership scores 6/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 14 Sep 2026.
| Piotroski F-score | 4 / 9 | ROIC | 3.9% |
|---|---|---|---|
| GLS Moat | 2.7 / 10 | ROE | 4.6% |
| Debt / equity | 0.18 | ROA | 1.0% |
| Free-cash-flow yield | -22.1% | Payout ratio | 0% |
| Institutions | 6 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 41: Weak
With a Wheel Score of 41 SoFi Technologies, Inc. sits in the Weak band. It fails filter 4, financially healthy - Piotroski 4/9 (under 6); Moat (weak) is its weakest part.
Implied volatility is 46% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. The option chain is deep: 1,626,737 contracts of open interest across all expiries, which means tight fills at most strikes.
Volume runs at 55.1M shares a day on a market cap of $22.5B, with a beta of 2.26 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 10% below fair value | |
| Premium | Strong | implied volatility 46% | |
| Moat | Weak | moat 2.7/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Strong | Red Flags score 90/100 | |
| Option trading | Strong | 242,984 contracts a day, 1,626,737 open interest | |
| Stability | Fair | beta 2.26, $22.5B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 29 Jan 2027, 85 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to SoFi Technologies, Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| AFRM Affirm Holdings, Inc. | 75.59 | 173.51 | +56% | 47Weak | $22.6B |
| SYF Synchrony Financial | 75.03 | 340.10 | +78% | 52Fair | $24.4B |
| GPN Global Payments Inc. | 96.09 | 65.01 | -48% | 35Weak | $25.4B |
| KKRS KKR Group Finance Co. IX LLC 4. | 15.36 | 60.27 | +75% | 31No options | $13.6B |
| IX ORIX Corporation | 37.04 | 42.91 | +14% | 33No options | $41.1B |
| ALLY Ally Financial Inc. | 39.36 | 70.99 | +45% | 83Good | $12.0B |
| PYPL PayPal Holdings, Inc. | 60.20 | 106.42 | +43% | 88Prime | $50.0B |
| FCFS FirstCash Holdings, Inc | 193.34 | 232.88 | +17% | 77Good | $8.3B |
| LU Lufax Holding Ltd | 8.51 | 43.72 | +81% | 39Weak | $7.4B |
| OMF OneMain Holdings, Inc. | 57.97 | 207.52 | +72% | 82Good | $6.6B |
| SLMBP SLM Corporation | 70.99 | 236.36 | +70% | 38No options | $6.4B |
| KLAR Klarna Group plc | 13.89 | 8.37 | -66% | 31Weak | $5.2B |
⚖ Compare SOFI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SOFI
Is SOFI undervalued right now?
Not meaningfully: at 17.38 the stock trades within a few percent of the GLS average fair value of 19.24 (9.7% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of SOFI and what does it mean?
SOFI scores 41 out of 100 (Weak) - it fails Wheel Trade Filter 4. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for SOFI?
19.24 per share as of 5 Nov 2026 - the simple average of the 6 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does SoFi Technologies, Inc. report earnings next?
The next earnings report is due on 29 Jan 2027, 85 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does SOFI have listed options, and how liquid are they?
Yes. The nightly snapshot found 338 listed contracts with 1,626,737 open interest across all expiries and implied volatility of 46% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.