SoFi Valuation in Focus Launch of In-App Crypto Trading

Members can now buy, sell, and hold digital assets alongside traditional banking services, all in one place.

See our latest analysis for SoFi Technologies.

Momentum in SoFi’s stock has been intense this year, with a 96.89% year-to-date share price return and the one-year total shareholder return climbing to 104.11%. After a brief dip following recent news, enthusiasm remains high. This is fueled by rapid product expansion, a surge in new members, and raised full-year guidance. SoFi’s moves into crypto and ongoing headline events suggest the company is doubling down on growth. The three-year total shareholder returns of 437.07% reflect how strongly the market has bought into its transformation story.If SoFi’s digital pivot caught your attention, it might be time to broaden your investing horizons and discover fast growing stocks with high insider ownershipWith so much optimism already factored in and SoFi’s share price near a record high, investors have to ask: is there still untapped value here, or has the market already priced in all this future growth?

At $27.82, SoFi Technologies trades significantly above the most popular narrative's fair value of $14. While excitement surrounds product launches and record-breaking growth, some see this premium as a bold bet on future expansion. Here is how the narrative frames the valuation thesis:

ead the complete narrative.

Curious how ambitious projections for SoFi’s earnings and profit margins shape this sky-high price? See which extraordinary numbers underpin this narrative’s valuation leap and what is fueling such bold expectations. The next page reveals the metrics driving this eye-popping fair value.

Result: Fair Value of $14 (OVERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, risks remain. A sharp drop in interest rates or faltering member growth could challenge SoFi’s bullish outlook and test investor confidence.