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10) Still Undervalued

Despite running more than 200% in the last few months, $SOFI — believe it or not — is still undervalued.

Case in point. $SOFI currently trades at a Forward PE of about 74x, but that's based on 2025 EPS estimate of $0.30, which is below management’s revised guidance of $0.31.

In addition, analysts estimate 2026 EPS to be $0.54, which is also below management's guidance of $0.55 to $0.80.

Analysts forget that management likes to not only sandbag their guidance but also destroy it in the process. 

That said, I believe $SOFI will achieve an EPS of $1.00 in 2026, valuing SOFI at a 2026 Forward PE of about 21x today.

Now that looks like a good valuation to pay.

Some catalysts to consider include:
- new deals for the Loan Platform Business
- acquisitions
- relaunch of crypto offerings
- interest rate cuts

10) Still Undervalued Despite running more than 200% in the last few months, $SOFI — believe it or not — is still undervalued. Case in point. $SOFI currently trades at a Forward PE of about 74x, but that's based on 2025 EPS estimate of $0.30, which is below management’s revised guidance of $0.31. In addition, analysts estimate 2026 EPS to be $0.54, which is also below management's guidance of $0.55 to $0.80. Analysts forget that management likes to not only sandbag their guidance but also destroy it in the process. That said, I believe $SOFI will achieve an EPS of $1.00 in 2026, valuing SOFI at a 2026 Forward PE of about 21x today. Now that looks like a good valuation to pay. Some catalysts to consider include: - new deals for the Loan Platform Business - acquisitions - relaunch of crypto offerings - interest rate cuts

That's a wrap! If you would like to read my full investment thesis on $SOFI, do check out my deep dive article here: https://t.co/H7iuGNqovQ These posts take a lot of time and energy to write, so I would appreciate a like, share, and subscribe. Thank you for your support!

avatar for Riyado Sofian
Riyado Sofian
Fri Aug 01 19:26:54
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