Is SLM or SOFI more undervalued in 2026?

CirclFi compares SLM Corporation (SLM) and SoFi Technologies, Inc. (SOFI) using 13 institutional-grade valuation models. SLM has a Quality of Company score of 7.6/10 while SOFI scores 6.8/10.

Which is a better buy — SLM or SOFI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SLM and SOFI valuations compare?

SLM at $21.88 and SOFI at $16.97 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SLM vs SOFI Valuation Comparison 2026 — Intrinsic Value Analysis

SLM

Credit Services

SLM Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$21.88

Last close

Models

12/13

Active

SOFI

Credit Services

SoFi Technologies, Inc.

Quality

6.8

out of 10

Value Trap

LOW

Price

$16.97

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	SLM Fair Value	SLM Upside	SOFI Fair Value	SOFI Upside
Bayesian DCF	Intrinsic	$8.74	-60.1%	$2.46	-85.5%
Earnings Power Value	Intrinsic	$24.84	+13.5%	$10.60	-37.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SLM vs SOFI — Which Stock Is More Undervalued?

SLM scores higher with a 7.6/10 quality rating vs SOFI's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SLM Corporation (SLM) and SoFi Technologies, Inc. (SOFI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SLM currently trades at $21.88 with a QOC of 7.6/10, while SOFI trades at $16.97 with a QOC of 6.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).