SoFi Technologies, Inc. (SOFI) Fair Value 2026

SOFI · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.9 /10

32 fundamental signals · 3 models active

Value Trap Risk

WARN (46/100)

Quick Summary — As of 2026-08-28, SoFi Technologies, Inc. (SOFI) trades at $18.06, versus a $6.70 median fair value across its 3 active models — 62.9% below the current price. QOC: 6.9/10. Value Trap Risk: 46/100 (WARN). 3/13 models active.

Key Facts

Ticker
SOFI
Price
$18.06
Quality Score
6.9/10
Value Trap Risk
46/100
Models Active
3/13
Last Updated
Strength: 3 independent models provide multi-angle coverage
Risk: Value Trap score of 46 suggests caution despite apparent undervaluation

Is SoFi Technologies, Inc. (SOFI) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, SoFi Technologies, Inc. (SOFI) appears overvalued as of : the median of 3 independent fair value estimates is $6.70, 62.9% below the current price of $18.06. Estimates range from $2.66 to $10.59. SOFI scores 6.9/10 on fundamental quality and 46/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SOFI’s -62.9% gap is wider than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy SoFi Technologies, Inc. Stock in 2026? →

What Fair Value Does Each Model Give SOFI?

3 Intrinsic Value Models vs. Current Price ($18.06)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $2.66 -85.3%
Relative · Medium Conviction
 $10.59 -41.3%
Relative · Low Conviction
 $6.70 -62.9%

All Models Active

All 3 models are displayed above.

What Is SOFI's Fair Value Range?

Spread across 3 independent models · $2.66 to $10.59

CirclFi's 3 active models place SoFi Technologies, Inc. (SOFI) between $2.66 and $10.59 per share, a spread of 118% of the median. The median of that range — $6.70 — is the fair value CirclFi publishes for SOFI, against a current price of $18.06.

Low · ML-RIVHigh · Regime Cross
$2.66median $6.70$10.59
Where the range comes from
Most bearish modelML Residual Income$2.66
Most bullish modelRegime Cross-Sectional$10.59
Model agreement0 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SOFI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SOFI, not a CirclFi price target. How each model works →

What Is SoFi Technologies, Inc. (SOFI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, SoFi Technologies, Inc.'s intrinsic value is estimated at $6.70, suggesting the stock is overvalued at its current price of $18.06. With 3 out of 3 models flagging downside (-62.9% vs price), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Regime Cross targets $10.59 (-41.3%), versus ML-RIV at $2.66 (-85.3%). This +43.9% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About SOFI?

3 of 13 models are currently active for SOFI. All 3 active models suggest the stock trades above fair value. Taken together, their median fair value for SOFI is $6.70 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SOFI Rank in Credit Services?

Among 54 Credit Services stocks, SOFI ranks #39 by Quality of Company score. CirclFi's QOC score of 6.9/10 evaluates 32 fundamental signals. A score of 6.9 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

As a lending environment, SoFi Technologies, Inc. operates in a sector where deposit growth is a critical driver of valuation. Investors evaluating SOFI should weigh these sector-specific dynamics alongside our model-derived fair values.

Is SOFI a Value Trap?

CirclFi's Value Trap algorithm assigns SOFI a score of 46/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for SoFi Technologies, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, SoFi Technologies, Inc.'s fundamental quality profile registers 6.9/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +43.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SOFI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SOFI's 3 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy SoFi Technologies, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

UPSTUpstart Holdings, Inc.QOC 6.9WRLDWorld Acceptance CorporationQOC 6.8YRDYiren Digital Ltd.QOC 7.0NAVINavient CorporationQOC 6.5SLMSLM CorporationQOC 7.0PRAAPRA Group, Inc.QOC 6.4ANTAAntalpha Platform Holding CompaQOC 3.0PYPLPayPal Holdings, Inc.QOC 8.5ATLCAtlanticus Holdings CorporationQOC 7.6JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: UPST · WRLD · YRD · NAVI · SLM · PRAA · ANTA · PYPL · ATLC · JFIN · MA

Which Other Stocks Have a Similar Quality Score to SOFI?

7 companies across all industries closest to SOFI’s Quality of Company score of 6.9/10.

KMXCarMax, Inc.QOC 6.9OBDCBlue Owl Capital CorporationQOC 6.9CCSCentury Communities, Inc.QOC 6.9PLXProtalix BioTherapeutics, Inc.QOC 6.9NEOGNeogen CorporationQOC 6.9SMRNuScale Power CorporationQOC 6.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: KMX · OBDC · CCS · PLX · NEOG · SMR · NVDA

Where Does SOFI Sit in CirclFi's Credit Services Rankings?

SOFI is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About SoFi Technologies, Inc.’s Valuation?

What is SoFi Technologies, Inc.'s intrinsic value in 2026?

CirclFi puts SoFi Technologies, Inc. (SOFI)'s intrinsic value at $6.70 — the median of 3 independent model estimates as of 2026-08-28, ranging from $2.66 to $10.59. The Quality of Company score is 6.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SOFI overvalued or undervalued right now?

At $18.06, 0 of 3 active models suggest SOFI may be undervalued, while 3 indicate potential overvaluation. The median of all 3 fair value estimates is $6.70, 62.9% below the current price of $18.06 — a consensus view that SOFI is overvalued. The assessment depends on which methodology best fits SoFi Technologies, Inc.'s business model in Credit Services.

What does a Quality of Company score of 6.9 mean for SOFI?

SoFi Technologies, Inc.'s QOC of 6.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on SOFI?

CirclFi analyzes SOFI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SOFI?

Of the 3 models currently active on SOFI, Regime Cross-Sectional is the most bullish at $10.59 per share, and ML Residual Income is the most bearish at $2.66. CirclFi's published fair value for SOFI is the median of that range, $6.70, not either extreme. The gap between the two ends equals 118% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SOFI a value trap in 2026?

SoFi Technologies, Inc.'s Value Trap score is 46/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, SoFi Technologies, Inc. (SOFI) has a median fair value of $6.70 — 62.9% below the current price of $18.06 — as of 2026-08-28.” Source: circlfi.com/stock/SOFI/ · Methodology
Primary sources for this SOFI valuation
  • Financial statements: SoFi Technologies, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001818874) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SOFI as of ; valuations recomputed .