Financial - Credit Services · NASDAQ
当前价格
$15.23
内在价值
使用下方计算器估算
对 SoFi Technologies, Inc. 运行完整的 DCF 分析，自动填充基本面数据，可调节假设参数，含敏感性热力图。
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
ROIC (TTM)
1.5%
ROE (TTM)
5.9%
FCF Yield
-13.46%
基于过去 12 个月的数据，SOFI 每股自由现金流为 N/A，投入资本回报率（ROIC）为 1.5%，这些是使用 DCF 方法进行股票估值的关键输入。P/FCF 比率为 N/A，FCF 收益率为 -13.46%，是评估 SOFI 相对估值的重要参考指标。
SOFI 的内在价值取决于未来增长率、折现率（WACC）和终值假设。DCF 模型将预期自由现金流折现回现值——WACC 的小幅变化可能导致估算偏移 20% 以上，因此敏感性分析至关重要。
SOFI 是否被低估取决于 DCF 内在价值与当前市价 $15.23 的比较。正的安全边际（内在价值高于市价）暗示潜在低估，但置信度取决于增长率和折现率假设的可靠性。
对 SoFi Technologies, Inc. 进行 DCF 估值的步骤：(1) 以过去 12 个月每股自由现金流为基础，(2) 根据Financial - Credit Services行业趋势和公司基本面预测未来 5-10 年的 FCF 增长，(3) 选择反映 SOFI 风险的折现率（WACC），(4) 加上预测期之后的终值。
DCF（折现现金流）根据公司未来的现金产生能力估算其当前价值。对于 SoFi Technologies, Inc.，这意味着预测Financial - Credit Services在未来 5-10 年能产生多少自由现金流，再折现到今天的价值。SOFI 的 ROIC 为 1.5%，表明公司可能面临产生超过资本成本回报的挑战。
WACC（加权平均资本成本）是 DCF 模型中的折现率——反映投资者要求的最低回报。对于 SOFI，资本结构和股权风险溢价决定了 WACC。WACC 每提高 1%，内在价值通常下降 10-15%。
