Based on Clarity's multi-model valuation engine, SoFi Technologies, Inc. (SOFI) has an estimated fair value of $6.18 per share, compared to its current market price of $18.90. The stock is currently trading 67.3% above Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY OVERVALUED.

This valuation blends 5 independent models — including Discounted Cash Flow (DCF), Comparable Companies, Residual Income, and 2 more. The primary weight is given to the Discounted Cash Flow (DCF) model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 5 models show moderate agreement with a 39% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 0.8% probability that the stock is trading below its intrinsic value, with a median simulated value of $5.40.

Clarity's 1-year price target is $5.57, reflecting expected earnings growth and margin trajectory.

SoFi Technologies, Inc. is classified under the Fintech / Payments sector, and this valuation is based on 10-K · Filed 2026-02-17 filings sourced directly from SEC EDGAR. All models use trailing twelve month (TTM) financials where available, with sector-appropriate growth and discount rate assumptions.