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SOFI

SoFi Technologies, Inc.

Financial Services · $21.3B market cap

Verdict

We can't put a fair value on SOFI right now. It's valued like a bank, but its return on tangible equity (or its tangible book value) isn't positive, so there's nothing to base a value on.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.5% a year✗
Equity per share growth9.8% a year✗
Sales growth34.6% a year✓
Free cash flow growth—?
Return on invested capital1.1%✗

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Superinvestors

2 of the investors we track hold SOFI. In Q2 2026, 1 added and 1 trimmed. Who we track

Samantha McLemore

Patient Capital Management · as of Q2 2026

$27.0M

1,505,629 shares

Polen Capital Management

Polen Capital Management · as of Q2 2026

$1.2M

65,611 shares

Moves in Q2 2026

Added: Samantha McLemore

Trimmed: Polen Capital Management

About SoFi Technologies, Inc.

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works