SoFi (SOFI) Valuation Check After 85% One-Year Rally and Recent Share Price Pop

Simply Wall St.01-05

SoFi Technologies (SOFI) has quietly turned into a different kind of financial stock, with shares up about 5% in the past day and 85% over the past year. See our latest analysis for SoFi Technologies....

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See our latest analysis for SoFi Technologies....</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/sofi-sofi-valuation-check-after-85-one-year-rally-and-recent\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>SoFi (SOFI) Valuation Check After 85% One-Year Rally and Recent Share Price Pop</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSoFi (SOFI) Valuation Check After 85% One-Year Rally and Recent Share Price Pop\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-05 05:28 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/sofi-sofi-valuation-check-after-85-one-year-rally-and-recent><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi Technologies (SOFI) has quietly turned into a different kind of financial stock, with shares up about 5% in the past day and 85% over the past year. See our latest analysis for SoFi Technologies....</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/sofi-sofi-valuation-check-after-85-one-year-rally-and-recent\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4535","symbol_name":"淡马锡持仓","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/sofi-sofi-valuation-check-after-85-one-year-rally-and-recent","article_id":"2601020983","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7121000-choice2-main-header/1585186688507"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/sofi-sofi-valuation-check-after-85-one-year-rally-and-recent","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2601020983","pubTimestamp":1767562115,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"SoFi Technologies (SOFI) has quietly turned into a different kind of financial stock, with shares up about 5% in the past day and 85% over the past year.\nSee our latest analysis for SoFi Technologies.\nThat latest pop in the share price to $27.46 caps a strong run, with the 1 year total shareholder return of 85.04% and a huge 3 year total shareholder return of 494.37%. This suggests momentum is still firmly building as investors reassess SoFi’s growth story and risk profile.\nIf SoFi’s move has...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4535":"淡马锡持仓","SOFI":"SoFi Technologies Inc.","BK4551":"寇图资本持仓","BK4166":"消费信贷","BK4549":"软银资本持仓"},"translate_title":"SoFi(SOFI)在一年上涨85%和近期股价上涨后进行估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SOFI":1.98},"content_text":"SoFi Technologies (SOFI) has quietly turned into a different kind of financial stock, with shares up about 5% in the past day and 85% over the past year. See our latest analysis for SoFi Technologies. That latest pop in the share price to $27.46 caps a strong run, with the 1 year total shareholder return of 85.04% and a huge 3 year total shareholder return of 494.37%. This suggests momentum is still firmly building as investors reassess SoFi’s growth story and risk profile. If SoFi’s move has caught your eye, it might be worth seeing what else is gaining traction in financial technology and platforms via fast growing stocks with high insider ownership. Yet with the share price now hovering around analyst targets and long term returns already eye catching, the key question is whether SoFi is still undervalued or if the market is fully pricing in its growth potential. Most Popular Narrative: 96.1% Overvalued With SoFi closing at $27.46 against a narrative fair value of $14.00, the story hinges on whether its platform ambitions warrant a premium.  SoFi Technologies (SOFI) continues to ride the waves in the financial world, propelled by robust membership growth, product adoption, and diversification across its ecosystem. In Q3 2024, the company declared a massive stock price increase over the past month, propelled by investors’ strong confidence in the company’s performance and general potential for further growth.  Read the complete narrative. Want to see why, according to yiannisz, double digit revenue growth, rising margins and a rich future earnings multiple still support a lower fair value? The pivotal assumptions sit inside the cash flow forecasts and the profit profile they expect SoFi to grow into. Curious what kind of long term platform bank math justifies a price almost half today’s level? Read on to unpack the narrative’s full valuation playbook. Result: Fair Value of $14.0 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, sustained net interest margin pressure or a sharper-than-expected credit cycle could quickly challenge assumptions underpinning SoFi’s premium, platform-style valuation. Find out about the key risks to this SoFi Technologies narrative.  Build Your Own SoFi Technologies Narrative If this view of SoFi does not quite match your own, dive into the numbers yourself and craft a custom story in just minutes, Do it your way. A great starting point for your SoFi Technologies research is our analysis highlighting 2 key rewards and 2 important warning signs that could impact your investment decision. Looking for your next strong investment idea? Right now is the moment to broaden your watchlist with focused ideas from the Simply Wall St Screener, before the most compelling opportunities move out of reach.  Capture potential near term breakouts by scanning these 3571 penny stocks with strong financials that already show robust financial underpinnings instead of relying on hype alone. Target the next wave of innovation by zeroing in on these 25 AI penny stocks positioned at the crossroads of AI adoption and accelerating revenue growth. Lock in a margin of safety by reviewing these 875 undervalued stocks based on cash flows where current prices still trail underlying cash flow potential and long term fundamentals.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.The New Payments ETF Is Live on NASDAQ:Money is moving to real-time rails, and a newly listed ETF now gives investors direct exposure. Fast settlement. Institutional custody. Simple access.Explore how this launch could reshape portfoliosSponsored ContentNew: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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