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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.

XP

Valuation50/ 100
Cash flow & growth55/ 100
Upside potential44/ 100
Risk potential34/ 100

XP's valuation appears fair, fundamentals are above averages and forward estimates point to improving growth and profitability, though analyst coverage is limited.

Score change since last week

The score rose 5 points, mainly due to valuation and price changes. Price rose 12.5%, from $17.66 to $19.86.

Valuation and price changes added 4.9 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +8.2%, earnings +11.2%, operating margin -0.9 percentage points. The business score is 55.3/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Business trends and outlook support upside. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 26.4% upside, or about $25.10.

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

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 33.7% downside, or about $13.17, with a 15% minimum.

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

XP vs Historical averages

MetricCurrentAverageRelative
PE10x25x58% lower
PE percentile205061% lower
EPS$1.92$1.2948% higher
FCF$4.1B$906.8M353% higher
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XP’s earnings and cash flow are above their historical averages, while its earnings multiple is lower.

XP Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueGrowth
Forward profitabilityExpanding
Analyst coverageLimited
Estimate dispersionTight

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

XP PE Valuation

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

XP Earnings Per Share

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

XP Quarterly Revenue

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

XP Free Cash Flow

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

XP Total Shares

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

XP 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.

XP PE vs Financial Services Sector

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This chart compares XP'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.

XP Weekly Price

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

XP Weekly Moving Averages

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This chart compares XP'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.

XP 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.