| Intrinsic Valuation of: SOFI | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 0 | Market Cap | $20B | |||||
| 2021 | - | - (-) | P/E Ratio | 35 | Total Asset | $51B | |||||
| 2022 | $-7B | - (-) | Net Income | $481M | Total Debt | $1B | |||||
| 2023 | $-7B | 0.2% (25.5%) | EBITDA | - | Total Liab | $40B | |||||
| 2024 | $-1B | 82.5% (85.9%) | Opr Margin | - | Debt/Equity | 0.13 | |||||
| 2025 | $-4B | -211.2% (-125.0%) | PreTax Margin | - | BV/Share | 7 | |||||
| 5Y Average FCF | $-5B | 2.5% (-4.5%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.48% | Historical US Bond Yield: | 4.40% | ||||||||
| Discount Rate (WACC): | 14.00% | Current US Bond Yield: | 3.48% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (2.5%) | ||||||||||
| 2026 | $0 | MBG Intrinsic Value | $4 | ||||||||
| 2027 | $0 | ||||||||||
| 2028 | $0 | ||||||||||
| 2029 | $0 | ||||||||||
| 2030 | $0 | ||||||||||
| 2031 | $0 | ||||||||||
| Terminal Value | $0 | Net Worth/Share | $8 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | $0 | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | $5B | $3 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | $1B | WACC | 12.0% | 3 | 3 | 3 | 3 | 3 | |||
| Equity Value | $4B | 12.5% | 3 | 3 | 3 | 3 | 3 | ||||
| Shares Outstanding | 1,282,741,200 | 13.0% | 3 | 3 | 3 | 3 | 3 | ||||
| 13.5% | 3 | 3 | 3 | 3 | 3 | ||||||
| DCF Intrinsic Value | $3 | 14.0% | 3 | 3 | 3 | 3 | 3 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||