Is SOFI or VRM more undervalued in 2026?

CirclFi compares SoFi Technologies, Inc. (SOFI) and Vroom, Inc. (VRM) using 13 institutional-grade valuation models. SOFI has a Quality of Company score of 6.8/10 while VRM scores 4.4/10.

Which is a better buy — SOFI or VRM?

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 VRM valuations compare?

SOFI at $16.97 and VRM at $11.75 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SOFI vs VRM Valuation Comparison 2026 — Intrinsic Value Analysis

SOFI

Credit Services

SoFi Technologies, Inc.

Quality

6.8

out of 10

Value Trap

LOW

Price

$16.97

Last close

Models

12/13

Active

VRM

Credit Services

Vroom, Inc.

Quality

4.4

out of 10

Value Trap

LOW

Price

$11.75

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	SOFI Fair Value	SOFI Upside	VRM Fair Value	VRM Upside
Bayesian DCF	Intrinsic	$2.46	-85.5%	—	—
Earnings Power Value	Intrinsic	$10.60	-37.5%	—	—
EROIC Spread	Intrinsic	$6.87	-59.5%	$5.82	-50.5%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$51.62	+204.2%	$2.22	-82.0%
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 VRM — Which Stock Is More Undervalued?

SOFI scores higher with a 6.8/10 quality rating vs VRM's 4.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SoFi Technologies, Inc. (SOFI) and Vroom, Inc. (VRM) 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 $16.97 with a QOC of 6.8/10, while VRM trades at $11.75 with a QOC of 4.4/10.

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).