SoFi Technologies, Inc. (SOFI) intrinsic value & 10-year financials
SoFi Technologies, Inc. (SOFI) has a Graham intrinsic value of $12.95 per share. At $14.55 on Oct 17, 2026, the stock trades 12% above that value. Over the last 8 fiscal years revenue grew 127.1% a year to $619.4M, with an average return on invested capital of -5.4%.
- Graham intrinsic value
- $12.95
- Share price (Oct 17, 2026)
- $14.55
- Price vs Graham value
- 12% above
- Market cap
- $18.2B
- Revenue (FY2025)
- $619.4M
- Revenue growth (8-yr CAGR)
- 127.1%
- ROIC (10-yr avg)
- -5.4%
- Free cash flow (FY2025)
- -$4.0B
SOFI 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $619.4M | $481.3M | $0.39 | -$4.0B | — | — |
| FY2024 | $503.1M | $498.7M | $0.39 | -$1.3B | — | — |
| FY2023 | $421.5M | -$300.7M | -$0.36 | -$7.3B | — | — |
| FY2022 | $377.1M | -$320.4M | -$0.40 | -$7.3B | — | -3.7% |
| FY2021 | $247.7M | -$483.9M | -$1.00 | -$1.4B | — | -7.7% |
| FY2020 | $103.3M | -$224.1M | -$0.61 | -$503.9M | — | -4.7% |
| FY2019 | $4.5M | -$239.7M | -$0.57 | -$92.3M | — | — |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
SoFi Technologies, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
SoFi Technologies, Inc. has historically struggled to out-earn its cost of capital, averaging just -5.4% ROIC.
SoFi Technologies, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, SoFi Technologies, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $12.95 per share.