SOFI (SoFi Technologies) Moat Score: 4/10 (As of Jul. 16, 2026)

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SOFI SoFi Technologies Inc SOFI
67 GF Score
Price $17.32
GF Value $16.07
Valuation Fairly Valued
! 2 Warning Signs
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What is SoFi Technologies Moat Score?

SoFi Technologies SOFI -3.08% 67 Moat Score is 4 as of Jul. 16, 2026. GuruFocus rates SOFI with a GF Score™ of 67/100 and a GF Value™ of $16.07 (Fairly Valued). The stock has 2 warning signs investors should review. Among 566 Credit Services companies, SoFi Technologies ranks better than 95.05% on this metric.

SoFi Technologies has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

SoFi Technologies has Narrow Moat: SoFi Technologies Inc has a discernible moat due to its strong brand and customer loyalty in the fintech space. However, the competitive nature of financial services and limited regulatory barriers constrain its market leadership and pricing power, resulting in a modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SoFi Technologies might have Narrow Moat - Discernible but modest moat.

SoFi Technologies  (NAS:SOFI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SoFi Technologies Moat Score Related Terms

SOFI vs SYF, AFRM, ALLY: Moat Score Comparison

For the Credit Services subindustry, SoFi Technologies's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SoFi Technologies's Moat Score distribution charts can be found below:

* The bar in red indicates where SoFi Technologies's Moat Score falls into.


SOFI
67GF Score
SoFi Technologies Inc SOFI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
SoFi Technologies (SOFI) has a Moat Score of 4 as of Jul. 16, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, SoFi Technologies ranks #28 out of 566 companies in the Credit Services industry, placing it in the top 4.9%.
Is SoFi Technologies' Moat Score too high?
SoFi Technologies' current Moat Score is 4. Based on the distribution chart, SoFi Technologies ranks #28 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SoFi Technologies has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' Moat Score compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #28 out of 566 companies for Moat Score. This places SoFi Technologies in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. SoFi Technologies's current Moat Score is 4. 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 (SOFI) is currently considered Fairly Valued. The stock's GF Value™ is $16.07, compared to a current price of $17.32 — trading 7.8% above its estimated fair value. The current Moat Score is 4. SoFi Technologies' overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For SoFi Technologies (SOFI), the current Moat Score is 4 as of Jul. 16, 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 (SOFI) Overvalued in 2026?

Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued. The current stock price of $17.32 is trading 7.8% above its estimated GF Value™ of $16.07. GuruFocus considers SoFi Technologies to be Fairly Valued.

Key valuation signals for SOFI:

  • Moat Score: 4
  • GF Value™: $16.07 vs. price of $17.32 (7.8% above fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SoFi Technologies Business Description

Address 234 1st Street, San Francisco, CA, USA, 94105
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.
67GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.32
Price
$16.07
GF Value