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

    Simply Wall St·01/04/2026 21:28:35
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    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.

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data 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 financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.