Is It Too Early To Reconsider SoFi Technologies (SOFI) After Its Recent Share Price Slide?

Simply Wall St.02-17

If you are wondering whether SoFi Technologies at around US$19.61 is a bargain or already pricing in a lot of optimism, you are not alone. The stock has had a mixed run, with a 7.4% decline over the ...

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The stock has had a mixed run, with a 7.4% decline over the ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/is-it-too-early-to-reconsider-sofi-technologies-sofi-after-i\">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>Is It Too Early To Reconsider SoFi Technologies (SOFI) After Its Recent Share Price Slide?</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\">\nIs It Too Early To Reconsider SoFi Technologies (SOFI) After Its Recent Share Price Slide?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-02-17 23:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/is-it-too-early-to-reconsider-sofi-technologies-sofi-after-i><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether SoFi Technologies at around US$19.61 is a bargain or already pricing in a lot of optimism, you are not alone. The stock has had a mixed run, with a 7.4% decline over the ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/is-it-too-early-to-reconsider-sofi-technologies-sofi-after-i\">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":"SOFI","symbol_name":"SoFi Technologies Inc.","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-sofi/sofi-technologies/news/is-it-too-early-to-reconsider-sofi-technologies-sofi-after-i","article_id":"2612466028","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/is-it-too-early-to-reconsider-sofi-technologies-sofi-after-i","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2612466028","pubTimestamp":1771342070,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether SoFi Technologies at around US$19.61 is a bargain or already pricing in a lot of optimism, you are not alone.\nThe stock has had a mixed run, with a 7.4% decline over the past week, a 25.0% decline over the past month, and a 28.6% decline year to date, while still showing a 16.5% return over the past year and a very large 3 year gain alongside a 2.5% decline over 5 years.\nThese swings have kept SoFi on many watchlists, as investors reassess what they are willing...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"SOFI":"SoFi Technologies Inc.","BK4551":"寇图资本持仓","BK4166":"消费信贷","BK4535":"淡马锡持仓","SOFX":"2倍做多SOFI ETF-Defiance","BK4549":"软银资本持仓"},"translate_title":"在SoFi Technologies(SOFI)最近股价下滑后，现在重新考虑是否还为时过早？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SOFX":0.6,"SOFI":1.98},"content_text":"If you are wondering whether SoFi Technologies at around US$19.61 is a bargain or already pricing in a lot of optimism, you are not alone. The stock has had a mixed run, with a 7.4% decline over the past week, a 25.0% decline over the past month, and a 28.6% decline year to date, while still showing a 16.5% return over the past year and a very large 3 year gain alongside a 2.5% decline over 5 years. These swings have kept SoFi on many watchlists, as investors reassess what they are willing to pay for a fintech platform that has already seen big share price moves. Evergreen interest in its business model, along with ongoing sector attention, helps explain why sentiment can shift quickly even without a single headline driving the latest moves. On our checks, SoFi scores 0 out of 6 on valuation, meaning it is not assessed as undervalued on any of the six Simply Wall St valuation checks right now, as shown in its valuation score. Next, we will look at how different valuation methods treat the stock and hint at an even richer way to think about value at the end of this article.  SoFi Technologies scores just 0/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: SoFi Technologies Excess Returns Analysis The Excess Returns model looks at how much value a company can create above the return that shareholders require, based on its equity returns and growth in book value, rather than focusing on cash flows. For SoFi Technologies, the model starts with a Book Value of about $8.26 per share and a Stable Book Value estimate of $8.85 per share, both based on weighted future Book Value estimates from 8 analysts. On earnings, the Stable EPS is $0.88 per share, sourced from weighted future Return on Equity estimates from the same analyst set. The required return for shareholders is captured in the Cost of Equity of $0.69 per share. The difference between this and the Stable EPS, the Excess Return of $0.18 per share, reflects the value the model assumes SoFi can generate above that required return, supported by an Average Return on Equity of 9.93%. Using these inputs, the Excess Returns valuation produces an intrinsic value of about $12.99 per share. This indicates the stock is 50.9% overvalued relative to the current share price of roughly $19.61. Result: OVERVALUED Our Excess Returns analysis suggests SoFi Technologies may be overvalued by 50.9%. Discover 55 high quality undervalued stocks or create your own screener to find better value opportunities. SOFI Discounted Cash Flow as at Feb 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for SoFi Technologies. Approach 2: SoFi Technologies Price vs Earnings For a company that is profitable, the P/E ratio is a straightforward way to think about valuation because it links what you pay directly to the earnings the business is generating per share. What counts as a “normal” P/E often reflects two things: how quickly earnings are expected to grow and how much risk investors see in those earnings. Higher expected growth or lower perceived risk can justify a higher P/E, while slower growth or higher risk usually points to a lower multiple. SoFi Technologies currently trades on a P/E of 51.90x. That sits well above the Consumer Finance industry average P/E of 8.05x and also above the peer average of 13.64x. Simply Wall St’s Fair Ratio for SoFi is 25.93x, which is a proprietary estimate of the P/E that would make sense given factors such as the company’s earnings growth profile, industry, profit margins, market cap and specific risks. Because it blends these company specific inputs, the Fair Ratio offers a more tailored yardstick than a simple comparison with industry or peer averages. Lining this up against the actual 51.90x P/E suggests the shares trade materially above the level implied by the Fair Ratio. Result: OVERVALUED NasdaqGS:SOFI P/E Ratio as at Feb 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 23 top founder-led companies. Upgrade Your Decision Making: Choose your SoFi Technologies Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives, a simple tool on Simply Wall St’s Community page that lets you connect your view of SoFi Technologies’ story to your own forecast for revenue, earnings, margins and a Fair Value. You can then compare that Fair Value to today’s price and have it update automatically when fresh news or earnings arrive. For SoFi, one Narrative on the bullish end might point to a Fair Value around US$39.98 with higher assumed growth and margins. A more cautious Narrative might anchor closer to US$8.92 with slower growth and thinner margins. Seeing these side by side helps you decide which story feels more realistic for you and how that lines up with the current market price. For SoFi Technologies however we will make it really easy for you with previews of two leading SoFi Technologies Narratives: First is a bullish take that leans into higher growth and margin potential, followed by a more cautious view that focuses on profitability pressure and valuation risk. Seeing them side by side gives you a quick sense of which story feels closer to your own expectations. 🐂 SoFi Technologies Bull Case Fair value in this narrative: US$26.75 per share Gap to fair value: around 26.7% below this fair value based on the last close of US$19.61 Revenue growth assumption: 22.01% a year  Analysts in this narrative are building in faster revenue growth, firmer profit margins and a future P/E of 36.47x, which together support a fair value estimate of US$26.75. They point to fee based businesses, member growth, new tools and risk management as the core drivers behind durable revenue and earnings expansion. Recent capital raises and mixed but constructive analyst commentary are framed as providing more flexibility to grow the platform, even as some price targets edge lower.  🐻 SoFi Technologies Bear Case Fair value in this narrative: US$14.00 per share Gap to fair value: around 40.1% above this fair value based on the last close of US$19.61 Revenue growth assumption: 15.27% a year  This narrative focuses on SoFi as a bank like platform where membership and product growth are strong, but profitability still leans heavily on net interest margin and credit conditions. It highlights risks around margin pressure, intense competition, regulation, cross sell fatigue and broader economic slowdowns affecting lending and newer non lending products. The fair value of US$14.00 incorporates these risks and a future P/E of 80.21x, and reflects a view that the current share price already prices in a lot of optimism about the business model and execution.  If you want to go beyond the previews and see how other investors are connecting the same facts to very different futures for SoFi, Curious how numbers become stories that shape markets? Explore Community Narratives can be a useful next step before you decide which narrative fits your own expectations best. Do you think there's more to the story for SoFi Technologies? Head over to our Community to see what others are saying! NasdaqGS:SOFI 1-Year Stock Price Chart  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.New: 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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