SoFi Technologies (FRA:6B0) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


FRA:6B0 SoFi Technologies Inc FRA:6B0
65 GF Score
Price €16.02
GF Value €14.03
Valuation Modestly Overvalued
! 2 Warning Signs
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What is SoFi Technologies Scaled Net Operating Assets?

SoFi Technologies FRA:6B0 +1.90% 65 Scaled Net Operating Assets is 0.13 as of Mar. 2026. GuruFocus rates FRA:6B0 with a GF Score™ of 65/100 and a GF Value™ of €14.03 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SoFi Technologies's operating assets for the quarter that ended in Mar. 2026 was €40,870 Mil. SoFi Technologies's operating liabilities for the quarter that ended in Mar. 2026 was €35,441 Mil. SoFi Technologies's Total Assets for the quarter that ended in Dec. 2025 was €43,264 Mil. Therefore, SoFi Technologies's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

FRA:6B0
65GF Score
SoFi Technologies Inc FRA:6B0
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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SoFi Technologies Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SoFi Technologies's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(39054.296-32653.849)/34619.658
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=43264.048 - 4209.752
=39054.296

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=34306.019 - 1237.126 - 415.044
=32653.849

SoFi Technologies's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(40870.28-35440.747)/43264.048
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=46448.993 - 5578.713
=40870.28

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=37096.967 - 1235.83 - 420.39
=35440.747

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.13 mean?
SoFi Technologies (FRA:6B0) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SoFi Technologies and its competitors.
Is SoFi Technologies' Scaled Net Operating Assets too high?
SoFi Technologies' current Scaled Net Operating Assets is 0.13. 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' Scaled Net Operating Assets compare to SYF and AFRM?
SoFi Technologies' Scaled Net Operating Assets of 0.13 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SoFi Technologies and its competitors. SoFi Technologies's current Scaled Net Operating Assets is 0.13. 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 (FRA:6B0) is currently considered Modestly Overvalued. The stock's GF Value™ is €14.03, compared to a current price of €16.02 — trading 14.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For SoFi Technologies (FRA:6B0), the current Scaled Net Operating Assets is 0.13 as of Mar. 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 (FRA:6B0) Overvalued in 2026?

Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued. The current stock price of €16.02 is trading 14.2% above its estimated GF Value™ of €14.03. GuruFocus considers SoFi Technologies to be Modestly Overvalued.

Key valuation signals for FRA:6B0:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: €14.03 vs. price of €16.02 (14.2% above fair value)
  • GF Score™: 65/100 with 2 warning signs

No single metric tells the full story. See the FRA:6B0 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.
65GF Score

Get the complete analysis for FRA:6B0

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€16.02
Price
€14.03
GF Value