Home / Stocks / SOFI

SoFi Technologies (SOFI, Consumer lending & cards) Stock Valuation & Fair Value

Mixed on our tests

SoFi Technologies (SOFI, Consumer lending & cards) trades at a current P/E of 28.1, about 47% below its historical normal valuation, with a forward growth estimate of 35.8% and a PEG of 0.79. Priced at its historical normal P/E of 53.3 on the same blended earnings, the 2026-11-06 close of $16.21 corresponds to about $30.80 a share. This is a valuation reference, not a price target.

How to read these numbers: the PEG ratio and current P/E versus normal P/E.

DATA AS OF 2026-11-07
Current P/E
28.1
Normal P/E
53.3
PEG
0.79
Fwd growth
35.8%
Div yield
0.0%
RSI (14)
50.8
Neutral
Technical context
  • Price $16.21 at the Nov 6 close, 3.6% above the 20-day average ($15.65) and 0.9% below the 50-day ($16.35).
  • RSI (14) at 50.8.
  • 52-week range $14.22 to $32.21: the price is 49.7% below the high and 14.0% above the low.

The Street vs SeerForecast

Wall Street's mean price target for SOFI is $20.75 across 23 analysts, 28.0% above the current price. The average analyst rating is Hold. Our SeerForecast read of the same stock, formed without analyst targets: mixed on our tests. When the two disagree, start your digging there.

Valuation flags

Verdict history

tickerseer's rating has been mixed on our tests since 2026-09-19.

Current P/E and rating by weekCurrent P/E moved from 31.4 to 29.3 between 2026-09-18 and 2026-10-30, against a normal P/E of 53.3, with 0 rating changes over 7 recorded weeks.2026-09-18: P/E 31.4, Mixed on our tests, recalculated for the week of 2026-09-192026-09-18: P/E 31.4, Mixed on our tests, recorded live 2026-09-212026-09-25: P/E 30.5, Mixed on our tests, recalculated for the week of 2026-09-262026-09-25: P/E 30.5, Mixed on our tests, recorded live 2026-09-282026-10-02: P/E 28.8, Mixed on our tests, recalculated for the week of 2026-10-032026-10-02: P/E 28.8, Mixed on our tests, recorded live 2026-10-052026-10-09: P/E 28.6, Mixed on our tests, recalculated for the week of 2026-10-102026-10-09: P/E 28.6, Mixed on our tests, recorded live 2026-10-122026-10-16: P/E 26.2, Mixed on our tests, recalculated for the week of 2026-10-172026-10-16: P/E 26.2, Mixed on our tests, recorded live 2026-10-192026-10-23: P/E 26.1, Mixed on our tests, recalculated for the week of 2026-10-242026-10-23: P/E 26.1, Mixed on our tests, recorded live 2026-10-262026-10-30: P/E 29.3, Mixed on our tests, recalculated for the week of 2026-10-312026-10-30: P/E 29.3, Mixed on our tests, recorded live 2026-11-0230.040.050.0Sep 18Sep 28Oct 9Oct 20Oct 30Normal P/E 53.3
Mixed on our tests

Not every point was recorded live. Points marked recalculated are worked out from the metrics tickerseer archived that week.

Selected weeks: the first, the latest, and the cheapest and dearest.

WeekCurrent P/EPremium to normal P/ERating
2026-09-19P/E 31.4-41%Mixed on our tests (recalculated)
2026-10-24P/E 26.1-51%Mixed on our tests (recalculated)
2026-11-02P/E 29.3-45%Mixed on our tests ← now
Show all 14 readings
WeekCurrent P/EPremium to normal P/ERating
2026-09-19P/E 31.4-41%Mixed on our tests (recalculated)
2026-09-21P/E 31.4-41%Mixed on our tests
2026-09-26P/E 30.5-43%Mixed on our tests (recalculated)
2026-09-28P/E 30.5-43%Mixed on our tests
2026-10-03P/E 28.8-46%Mixed on our tests (recalculated)
2026-10-05P/E 28.8-46%Mixed on our tests
2026-10-10P/E 28.6-46%Mixed on our tests (recalculated)
2026-10-12P/E 28.6-46%Mixed on our tests
2026-10-17P/E 26.2-51%Mixed on our tests (recalculated)
2026-10-19P/E 26.2-51%Mixed on our tests
2026-10-24P/E 26.1-51%Mixed on our tests (recalculated)
2026-10-26P/E 26.1-51%Mixed on our tests
2026-10-31P/E 29.3-45%Mixed on our tests (recalculated)
2026-11-02P/E 29.3-45%Mixed on our tests ← now

Frequently asked questions

Is SoFi Technologies stock overvalued?

At a current P/E of 28.1 versus its historical normal P/E of 53.3, SoFi Technologies trades about 47% below its typical valuation, with a PEG of 0.79 on 35.8% forward growth. tickerseer currently rates it mixed on our tests.

What is SoFi Technologies's fair value and PEG?

SoFi Technologies trades at a current P/E of 28.1 against a historical normal P/E of 53.3, a PEG of 0.79, and a forward growth estimate of 35.8%. Priced at its historical normal P/E of 53.3 on the same blended earnings, the 2026-11-06 close of $16.21 corresponds to about $30.80 a share. This is a valuation reference, not a price target.

Has tickerseer's rating of SoFi Technologies changed?

tickerseer's rating has been mixed on our tests since 2026-09-19.

What is the analyst price target for SoFi Technologies?

The mean Wall Street price target for SoFi Technologies is $20.75 across 23 analysts, 28.0% above the current price. tickerseer's SeerForecast verdict is formed independently of analyst targets.

Industry: Consumer lending & cards. Create a free account to see the full analysis: the SeerAI score, valuation history, and an AI research note where we have one. Options setups and metric history are part of the paid plans.

See the full analysis →🔔 Track SOFI free: valuation & earnings alerts

Get the free weekly earnings preview

One email each Monday with the week's named earnings setups, the reasoning, and what settled last week. Strikes and sizing stay in Premium.

It's free, and you can unsubscribe any time. We also send a short product update once a month. Educational content, not investment advice.