Oversold

SOFI

Same as last week
Valuation62/ 100
Cash flow & growth73/ 100
Upside potential70/ 100
Risk potential23/ 100

SOFI's valuation appears fair while fundamentals provide solid support and forward estimates point to earnings growth and improving margins, though analyst coverage is limited.

Valuation

Historical cheapness: current PE is 36.1× versus the full-history median of 43× shown in the valuation table, producing 57.4/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 61.6/100. The model applies a 36.4% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 39.3× (18-month half-life). The favorable scenario uses 40.7× PE and $0.7 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +34.2%, earnings -3%, operating margin +5.6 percentage points. The business score is 72.9/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $0.71 of EPS and a 40.7× PE, suggesting a share price of about $28.81. Valuation history and outlook inform the PE.

The displayed favorable scenario is 66.3% upside, or about $28.80.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $0.42 of EPS and a 31.8× PE, suggesting a share price of about $13.27 — 23% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

SOFI vs Historical averages

MetricCurrentAverageRelative
PE36x47x24% lower
PE percentile315038% lower
EPS$0.48-$1.20$1.68 higher
FCF-$5B-$3.6B-$1.3B
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SOFI’s earnings are above their historical averages, while its earnings multiple is lower.

SOFI Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueStable
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionModerate

SOFI’s outlook is generally improving, though analyst coverage is limited.

SOFI PE Valuation

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This table applies SOFI's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

SOFI Earnings Per Share

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This chart tracks SOFI's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

SOFI Quarterly Revenue

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This chart tracks SOFI's quarterly revenue over time and shows how sales are changing from year to year.

SOFI Free Cash Flow

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This chart tracks SOFI's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

SOFI Total Shares

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This chart tracks changes in SOFI's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

SOFI Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

SOFI PE vs Financial Services Sector

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This chart compares SOFI's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

SOFI Weekly Price

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This chart uses SOFI's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

SOFI Weekly Moving Averages

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This chart compares SOFI's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

SOFI Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.

VCTR

Same as last week
Valuation13/ 100
Cash flow & growth81/ 100
Upside potential30/ 100
Risk potential30/ 100

VCTR's valuation is expensive, fundamentals are above averages and forward estimates point to earnings and revenue growth despite pressure on margins, though analyst coverage is limited.

Valuation

Historical cheapness: current PE is 20.3× versus the full-history median of 9× shown in the valuation table, producing 11.8/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 12.6/100. The model applies a 17.4% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 15.1× (18-month half-life). The favorable scenario uses 17.5× PE and $6.9 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +51.5%, earnings +34.3%, operating margin +6.7 percentage points. The business score is 80.6/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

The earnings calculation and the displayed scenario are different.

The earnings case uses $6.89 of EPS and a 17.5× PE, suggesting about $120.72 before the minimum is applied. Valuation history and outlook inform the PE.

The model applies a 15% minimum upside scenario, so the card shows +15%, or about $126.84. That adjusted price does not come from the EPS × PE calculation above.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $4.66 of EPS and a 16.6× PE, suggesting a share price of about $77.39 — 30% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

VCTR vs Historical averages

MetricCurrentAverageRelative
PE20x11x87% higher
PE percentile975095% higher
EPS$5.44$3.7445% higher
FCF$563.2M$329.6M71% higher
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VCTR’s earnings and cash flow are above their historical averages, while its earnings multiple is higher.

VCTR Forward outlook

MetricOutlook
Forward valuationImproving
Forward earningsGrowth
Forward revenueGrowth
Forward profitabilityContracting
Analyst coverageLimited
Estimate dispersionTight

VCTR’s outlook is generally improving, with narrowing profit margins the main concern.

VCTR PE Valuation

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This table applies VCTR's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

VCTR Earnings Per Share

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This chart tracks VCTR's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

VCTR Quarterly Revenue

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This chart tracks VCTR's quarterly revenue over time and shows how sales are changing from year to year.

VCTR Free Cash Flow

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This chart tracks VCTR's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

VCTR Total Shares

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This chart tracks changes in VCTR's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

VCTR Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

VCTR PE vs Financial Services Sector

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This chart compares VCTR's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

VCTR Weekly Price

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This chart uses VCTR's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

VCTR Weekly Moving Averages

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This chart compares VCTR's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

VCTR Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.