SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
SoFi Technologies, Inc. (SOFI) trades at a trailing P/E of 41.5, forward P/E of 29.4. Trailing earnings yield is 2.41%, forward earnings yield 3.40%. PEG 0.52 (Peter Lynch undervalued ≤1.0). Graham Number is $8.72.
Criteria proven by this page:
- VALUE (70/100, Pass) — PEG ≤ 1.0 — Peter Lynch undervalued (0.52); analyst target implies upside (+67.9%).
- Forward P/E 29.4 (down from trailing 41.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.52 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 2.41% — below bond yields — investors are paying a premium for expected growth rather than current earnings. Forward yield improves to 3.40% as earnings recover.
- Analyst consensus target $30.07 (+67.9% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 63/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
70/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — SOFI
Valuation Multiples
P/E (TTM)41.5
Forward P/E29.4
PEG Ratio0.52
Forward PEG0.52
P/B Ratio1.90
P/S Ratio4.37
EV/EBITDA12.9
Per Share Data
EPS (TTM)$0.39
Forward EPS (Est.)$0.61
Book Value / Share$8.58
Revenue / Share$3.90
FCF / Share$-2.14
Yields & Fair Value
Earnings Yield2.41%
Forward Earnings Yield3.40%
Dividend Yield0.00%
Graham Number$8.72
SharesGrow IV$-2.12 (-111.9%)
Analyst Target$30.07 (+67.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2017 |
7.8 |
0.00 |
0.00 |
0.47 |
0.17% |
| 2018 |
-4.8 |
0.02 |
0.67 |
2.03 |
- |
| 2019 |
-5.1 |
-1.14 |
0.58 |
1.69 |
1.97% |
| 2020 |
-6.4 |
-0.32 |
0.47 |
1.92 |
2.81% |
| 2021 |
-17.2 |
0.27 |
1.77 |
7.66 |
0.49% |
| 2022 |
-13.0 |
0.22 |
0.75 |
2.36 |
0.97% |
| 2023 |
-31.3 |
3.13 |
1.69 |
3.25 |
0.43% |
| 2024 |
32.4 |
-0.14 |
2.48 |
4.37 |
0.10% |
| 2025 |
62.6 |
-7.19 |
2.87 |
6.31 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2017 |
$1.35 |
$506.71M |
$50.08M |
9.9% |
| 2018 |
$-2.17 |
$269.4M |
$-252.4M |
-93.7% |
| 2019 |
$-2.27 |
$442.66M |
$-239.7M |
-54.1% |
| 2020 |
$-2.73 |
$565.53M |
$-224.05M |
-39.6% |
| 2021 |
$-1.00 |
$977.3M |
$-483.94M |
-49.5% |
| 2022 |
$-0.40 |
$1.52B |
$-320.41M |
-21.1% |
| 2023 |
$-0.36 |
$2.91B |
$-300.74M |
-10.3% |
| 2024 |
$0.39 |
$3.77B |
$498.67M |
13.2% |
| 2025 |
$0.39 |
$4.77B |
$481.32M |
10.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$0.61 |
$0.60 – $0.62 |
$4.67B |
$4.27B – $4.78B |
11 |
| 2027 |
$0.83 |
$0.65 – $0.91 |
$5.76B |
$4.62B – $8.05B |
13 |
| 2028 |
$1.02 |
$0.74 – $1.19 |
$6.92B |
$6.85B – $6.98B |
10 |
| 2029 |
$1.32 |
$1.14 – $1.53 |
$7.68B |
$6.87B – $8.63B |
4 |
