SoFi Technologies has the GF Score of 65, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes SoFi Technologies
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
SoFi Technologies (MEX:SOFI) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
SoFi Technologies GF Score Related Terms
MEX:SOFI vs SYF, AFRM, ALLY: GF Score Comparison
For the Credit Services subindustry, SoFi Technologies's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SoFi Technologies GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's GF Score distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's GF Score falls into.
SoFi Technologies (MEX:SOFI) has a GF Score of 65 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SoFi Technologies and its competitors. This is 81% above median its historical median of 36.00. Over the past decade, SoFi Technologies' GF Score has ranged from 1.00 to 65.00.
Is SoFi Technologies' GF Score too high?
SoFi Technologies' current GF Score of 65 is 81% above median its 10-year median of 36.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 65.00. Overall, SoFi Technologies has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' GF Score compare to SYF and AFRM?
SoFi Technologies' GF Score of 65 can be compared against companies in the Credit Services industry. Historically, SoFi Technologies' own GF Score has ranged from 1.00 to 65.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SoFi Technologies and its competitors. SoFi Technologies's current GF Score is 65, which is 81% above median its own 10-year median of 36.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (MEX:SOFI) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN280.14, compared to a current price of MXN310.24 — trading 10.7% above its estimated fair value. The current GF Score is 65, which is 81% above median its 10-year median of 36.00. SoFi Technologies' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For SoFi Technologies (MEX:SOFI), the current GF Score is 65 as of Jul. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SoFi Technologies (MEX:SOFI) Overvalued in 2026?
Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued.
The current stock price of MXN310.24 is trading 10.7% above its estimated GF Value™ of MXN280.14.
GuruFocus considers SoFi Technologies to be Modestly Overvalued.
Key valuation signals for MEX:SOFI:
GF Score: 65 (81% above median its 10-year median of 36.00)
GF Value™: MXN280.14 vs. price of MXN310.24 (10.7% above fair value)
No single metric tells the full story. See the MEX:SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
65GF Score
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