SoFi Technologies, Inc.
—- Market cap
- $22.38B
- Debt
- —
- Cash
- −$4.93B
Complete market value, debt and cash evidence is required for enterprise value.
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SOFI stock price at premium vs UWMC $17.33 current versus $4.45 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at UWMC's multiple
Implied fair value · at SOFI's multiple
Snapshot Sep 9, 2026, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Reported gross margin
Operating income + D&A
Lower is better
Higher P/E
Lower leverage
Statements
Annual statements in reported currencies, with calculations and source evidence.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Seven period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
USD market cap plus reported borrowing debt, less cash and equivalents. This EV proxy excludes investments, preferred stock and noncontrolling-interest adjustments.
Complete market value, debt and cash evidence is required for enterprise value.
Complete market value, debt and cash evidence is required for enterprise value.
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
SoFi Technologies, Inc. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
UWM HOLDINGS CORPORATION · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SOFI can sustain its reported profitability while improving quality scores from the current 2/9 Piotroski F-Score, then holding or accumulating makes sense because leverage is lower than UWMC and the stock is trading within its historical band rather than at a clear discount.
There is no direct P/E or trading multiple for SOFI in the data, so the valuation gap versus UWMC cannot be cleanly quantified on a like-for-like basis. SOFI’s price also sits within its historical band of $14.68 to $17.94, while UWMC-implied range of $0.03 to $34.36 is extremely wide and not very decisive.
Supporting Metrics