SOFI — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($18.91)
DCF	$2.40	-87.3%
Graham Number	$8.51	-55.0%
Reverse DCF	—	—
DDM	—	—
EV/EBITDA	—	—

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: —

Near-term growth (yrs 1–5)(%)Rev: 40.2% / EPS: -57.0%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 15.48%

Computed WACC: 15.48%

Cost of equity (Re)16.72%(Rf 4.30% + β 2.26 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)92.56%

Debt weight (D/V)7.44%

Results

Intrinsic Value / share$2.40

Current Price$18.91

Upside / Downside-87.3%

Net Debt (used)-$3.06B

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	32.2%	36.2%	40.2%	44.2%	48.2%
7.0%	$2.40	$2.40	$2.40	$2.40	$2.40
8.0%	$2.40	$2.40	$2.40	$2.40	$2.40
9.0%	$2.40	$2.40	$2.40	$2.40	$2.40
10.0%	$2.40	$2.40	$2.40	$2.40	$2.40
11.0%	$2.40	$2.40	$2.40	$2.40	$2.40

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $0.39

Book Value / share($)Yahoo: $8.26

Results

Graham Number$8.51

Current Price$18.91

Margin of Safety-55.0%

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 15.48%

Terminal growth rate(%)

Computed WACC: 15.48%

Cost of equity (Re)16.72%(Rf 4.30% + β 2.26 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)92.56%

Debt weight (D/V)7.44%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$18.91

Implied Near-term FCF Growth—

Historical Revenue Growth40.2%

Historical Earnings Growth-57.0%

Base FCF (TTM)—

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$18.91

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: -$3.06B

Results

Implied Equity Value / share$2.40

Current Price$18.91

Upside / Downside-87.3%

Implied EV$0

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