SoFi Technologies, Inc. (SOFI) Stock Analysis — Fair Value, Risk & Moat Rating
NMS · Financial Services · Credit Services
Is SoFi Technologies, Inc. a safe investment right now?
SoFi Technologies, Inc.'s Altman Z-Score of 0.46 places it in the distress zone. Our DCF model estimates intrinsic value at $0.00, suggesting the stock may be undervalued by 0%. Moat rating: 2.3/5 stars.
Could SoFi Technologies, Inc. go bankrupt? Altman Z-Score analysis
Z-Score of 0.46 falls below the 1.8 distress threshold, indicating significant financial stress.
- Below 1.8 — Distress Zone (high bankruptcy risk)
- 1.8 to 3.0 — Gray Zone (elevated uncertainty)
- Above 3.0 — Safe Zone (financially healthy)
What drives SOFI's Z-Score?
| Component | Formula | Value | Weight | Contribution |
|---|---|---|---|---|
| A · Working Capital / Total Assets | WC / TA | 0.0 | 1.2 | 0.0 |
| B · Retained Earnings / Total Assets | RE / TA | -0.036 | 1.4 | -0.05 |
| C · EBIT / Total Assets | EBIT / TA | 0 | 3.3 | 0.0 |
| D · Market Cap / Total Liabilities | MCap / TL | 0.8366 | 0.6 | 0.5 |
| E · Revenue / Total Assets | Rev / TA | 0.0116 | 1.0 | 0.01 |
How has SOFI's financial health changed over time?
| Year | Z-Score | Zone |
|---|---|---|
| 2020 | 116.8 | Safe |
| 2021 | 2.59 | Gray |
| 2022 | 3.16 | Safe |
| 2023 | 1.01 | Distress |
| 2024 | 0.54 | Distress |
| 2025 | 0.46 | Distress |
Source: Calculated from SOFI's latest 10-K filing on SEC EDGAR.
SoFi Technologies, Inc. — Traditional Valuation Does Not Apply
This stock does not have reliable earnings or cash flow history for fundamental valuation. The current price reflects market sentiment, momentum, or turnaround hopes rather than discountable cash flows. We provide risk metrics (Z-Score, financial health) but not a fair value estimate.
Free Cash Flow History
| Year | FCF | Growth |
|---|---|---|
| 2021 | $−0.1B | — |
| 2022 | $−0.5B | N/A |
| 2023 | $−1.4B | N/A |
| 2024 | $−7.3B | N/A |
| 2025 | $−7.3B | N/A |
Source: FCF data from SEC EDGAR filings. Price via Yahoo Finance.
Does SoFi Technologies, Inc. have a durable competitive advantage?
Moat rating: 2.3/5.
What makes up SOFI's moat score?
ROIC Stability
ROIC variability over the past decade. Score: 2/5.
Gross Margin Trend
Gross margin trajectory over the past decade. Score: 3/5.
Switching Costs
Estimated customer lock-in based on margin level. Score: 2/5.
How stable is SOFI's return on invested capital?
| Year | ROIC | Trend |
|---|---|---|
| 2020 | -0.1% | — |
Source: ROIC calculated from SEC EDGAR filings.
Is SoFi Technologies, Inc.'s dividend safe?
SoFi Technologies, Inc.'s key financial metrics
| Metric | Latest | 1Y Ago | 3Y Ago | Trend |
|---|---|---|---|---|
| Revenue | $0.4B | $0.4B | $0.1B | Rising |
| Net Income | −$0.3B | −$0.3B | −$0.2B | Declining |
| Free Cash Flow | −$7.3B | −$7.3B | −$0.5B | Declining |
Common questions about SoFi Technologies, Inc.
Is SoFi Technologies, Inc. at risk of going bankrupt?
SoFi Technologies, Inc.'s Altman Z-Score of 0.46 places it in the distress zone. This metric uses balance sheet ratios to predict bankruptcy probability within 2 years. A score below 1.8 signals distress, while above 3.0 indicates safety.
What is SoFi Technologies, Inc.'s intrinsic value based on DCF?
Our DCF model estimates SoFi Technologies, Inc.'s intrinsic value at $0.00 per share. The current margin of safety is 0.0%. This estimate is based on historical free cash flow trends and a risk-adjusted discount rate.
Does SoFi Technologies, Inc. have a competitive moat?
SoFi Technologies, Inc. receives a moat rating of 2.3 out of 5 stars, based on ROIC stability, gross margin trends, and estimated switching costs. A rating above 3.5 suggests a durable competitive advantage.
Does SoFi Technologies, Inc. pay a dividend?
SoFi Technologies, Inc. does not currently pay a regular dividend, or has suspended its dividend. Check the dividend safety section for the latest status.
Before you invest in SoFi Technologies, Inc., make sure you truly understand it.
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FairValueLabs Disclaimer
All valuations, scores, ratings, and classifications on this page are produced by the FairValueLabs internal valuation system. They do not represent actual market value, guaranteed outcomes, or professional investment advice. These are analytical estimates for educational and research purposes only.
This is not financial advice. All data is sourced from SEC EDGAR public filings. Always consult a qualified financial advisor before making investment decisions.
Last updated: Apr 20, 2026. Data sources: SEC EDGAR (financial statements), Yahoo Finance (market data, analyst consensus). Data may not reflect the most recent quarter.
SOFI analysis methodology: How we calculate fair value, Z-Scores, and moat ratings