Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SOFI stock price vs XYZ: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at XYZ's multiple
Needs XYZ P/E.
Implied fair value · at SOFI's multiple
Needs SOFI P/E.
Price unavailable
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
Not comparable
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
Eight 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.
Block, Inc. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
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.
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SOFI vs UPST
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SOFI vs PYPL
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SOFI vs HOOD
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SOFI vs LC
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SOFI vs RKT
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SOFI vs INTU
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SOFI vs FOUR
FISERV INC
SOFI vs FI
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SOFI vs GPN
WEX Inc.
SOFI vs WEX
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 23.1% revenue growth and convert it into durable margins despite a Piotroski F-Score of 2/9, then SOFI can be held or accumulated because the market is already pricing it near the top of its historical band; otherwise, the DCF range of $3.00-$4.06 argues for caution.
SOFI has no direct multiple-based valuation provided, so the price gap is hard to frame on P/E, P/S, or EV-based terms. Its current price of $18.24 sits near the top of the historical band ($16.42-$20.06) but well above the DCF range ($3.00-$4.06), suggesting the market is already discounting a materially better outcome than the cash-flow model implies.
Supporting Metrics
