Is SOFI or STRC more undervalued in 2026?

CirclFi compares SoFi Technologies, Inc. (SOFI) and Strategy Inc - Variable Rate Se (STRC) using 13 institutional-grade valuation models. SOFI has a Quality of Company score of 6.8/10 while STRC scores 6.9/10.

Which is a better buy — SOFI or STRC?

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 SOFI and STRC valuations compare?

SOFI at $18.22 and STRC at $98.99 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SOFI vs STRC Valuation Comparison 2026 — Intrinsic Value Analysis

SOFI

Finance Services

SoFi Technologies, Inc.

Quality

6.8

out of 10

Value Trap

LOW

Price

$18.22

Last close

Models

12/13

Active

STRC

Finance Services

Strategy Inc - Variable Rate Se

Quality

6.9

out of 10

Value Trap

LOW

Price

$98.99

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SOFI Fair Value	SOFI Upside	STRC Fair Value	STRC Upside
Bayesian DCF	Intrinsic	$2.46	-86.5%	—	—
Earnings Power Value	Intrinsic	$10.60	-41.8%	$70.80	-28.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$1.05	-94.3%	$109.57	+10.1%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SOFI vs STRC — Which Stock Is More Undervalued?

STRC scores higher with a 6.9/10 quality rating vs SOFI's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SoFi Technologies, Inc. (SOFI) and Strategy Inc - Variable Rate Se (STRC) 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.

SOFI currently trades at $18.22 with a QOC of 6.8/10, while STRC trades at $98.99 with a QOC of 6.9/10.

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).