Stock fact sheet · data as of
SoFi Technologies, Inc. (SOFI): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · United States · High Growth
Is SOFI undervalued?
SOFI closed at 14.22 on 16 Oct 2026, 16% below the GLS average fair value of 16.96 from 6 models (3 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 19 of the 25 Value points.
There is a wide gap between EPV (5.50) and GLS Growth (30.33). 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.
The nightly engine files SOFI under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
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 | 15.42 | +8% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.80 | -31% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 28.34 | +99% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.39 | -13% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 30.33 | +113% | 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 | 5.50 | -61% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -24.01 | -269% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 21.08 | +48% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
SoFi Technologies, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.0/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, 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 | 5 / 9 | ROIC | 3.9% |
|---|---|---|---|
| GLS Moat | 4.0 / 10 | ROE | 4.6% |
| Debt / equity | 0.18 | ROA | 1.0% |
| Free-cash-flow yield | -27.1% | Payout ratio | 0% |
| Institutions | 6 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 73: Good
With a Wheel Score of 73 - the Good band - SoFi Technologies, Inc. clears the Sunday Scan's "70 or higher" rule. The parts: Value 19/25, Health 11/20, Moat 6/15, Premium 20/20, Stability 16/20; Moat (6/15) scores lowest.
Implied volatility is 60% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. The option chain is deep: 4,243,698 contracts of open interest across all expiries, which means tight fills at most strikes.
Volume runs at 91.8M shares a day on a market cap of $18.4B, with a beta of 2.33 - 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 gives that 16 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 19 / 25 | 16% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 6 / 15 | moat 4.0/10 | |
| Premium | 20 / 20 | implied volatility 60% | |
| Stability | 16 / 20 | 91.8M shares/day, $18.4B cap, beta 2.33 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
SoFi Technologies, Inc. reports earnings on 27 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| GPN Global Payments Inc. | 84.17 | 65.78 | -28% | 45Weak | $22.3B |
| AFRM Affirm Holdings, Inc. | 75.92 | 173.51 | +56% | 76Good | $22.5B |
| SYF Synchrony Financial | 71.72 | 343.54 | +79% | 92Prime | $23.3B |
| KKRS KKR Group Finance Co. IX LLC 4. | 15.43 | 58.82 | +74% | 39No options | $13.7B |
| ALLY Ally Financial Inc. | 37.73 | 71.73 | +47% | 86Prime | $11.5B |
| FCFS FirstCash Holdings, Inc | 216.71 | 226.68 | +4% | 75Good | $9.4B |
| IX ORIX Corporation | 36.51 | 2,029.54 | +98% | 39No options | $40.5B |
| PYPL PayPal Holdings, Inc. | 56.10 | 114.06 | +51% | 92Prime | $48.0B |
| SLMBP SLM Corporation | 72.40 | 198.98 | +64% | 39No options | $6.5B |
| OMF OneMain Holdings, Inc. | 55.79 | 208.50 | +73% | 91Prime | $6.4B |
| CACC Credit Acceptance Corporation | 549.87 | 1,267.63 | +57% | 84Prime | $5.7B |
| KLAR Klarna Group plc | 13.51 | 8.66 | -56% | 45Weak | $5.1B |
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Start free See the Sunday ScanQuestions about SOFI
Is SOFI undervalued right now?
By the GLS models, moderately: at 14.22 the stock trades 16% below the average fair value of 16.96 (data as of 16 Oct 2026).
What is the Wheel Score of SOFI and what does it mean?
SOFI scores 73 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for SOFI?
16.96 per share as of 16 Oct 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 27 Oct 2026 (before the open), 11 days from the data date of 16 Oct 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 888 listed contracts with 4,243,698 open interest across all expiries and implied volatility of 60% 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.