SoFi Technologies (SOFI) Stock Overview
Provides various financial services in the United States, Latin America, Canada, and Hong Kong. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
SOFI Community Fair Values
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Analyst Price Targets
Top Community Narratives
SoFi Technologies, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$16.00 |
| 52 Week High | US$32.73 |
| 52 Week Low | US$12.74 |
| Beta | 2.13 |
| 1 Month Change | -0.68% |
| 3 Month Change | -23.30% |
| 1 Year Change | 20.66% |
| 3 Year Change | 211.28% |
| 5 Year Change | 9.51% |
| Change since IPO | 52.67% |
Recent News & Updates
Seeking Alpha • 10h
SoFi: Buying The Drawdown After A Record-Breaking Q1
Summary SoFi is rated Buy, with 36% upside potential and a $22 price target, following operationally strong Q1 results. SOFI's member base grew 35% to 14.7M, with 42.7% Y/Y revenue growth and robust cross-buying driving higher-margin lending adoption. Despite rising personal loan charge-offs to 3.03%, credit performance remains within management’s loss tolerance, and capital ratios are well above regulatory minimums. Valuation is elevated versus peers, but SOFI’s Rule of 40 score of 72 and strong balance sheet justify a premium, while the drawdown offers a discounted entry. Read the full article on Seeking Alpha
New Narrative • May 02
Why is SoFi a company of the future?
Sofi Technologies (SOFI) — investors.sofi.com — is rightfully considered one of the key contenders for a spot in the "portfolio of the future." In April 2026, the company is demonstrating a transition from a stage of aggressive growth to a stage of scalable profitability, making it a unique hybrid of a bank and a technology platform. Why is SoFi a company of the future?Recent updates
Seeking Alpha • 10h
SoFi: Buying The Drawdown After A Record-Breaking Q1
Summary SoFi is rated Buy, with 36% upside potential and a $22 price target, following operationally strong Q1 results. SOFI's member base grew 35% to 14.7M, with 42.7% Y/Y revenue growth and robust cross-buying driving higher-margin lending adoption. Despite rising personal loan charge-offs to 3.03%, credit performance remains within management’s loss tolerance, and capital ratios are well above regulatory minimums. Valuation is elevated versus peers, but SOFI’s Rule of 40 score of 72 and strong balance sheet justify a premium, while the drawdown offers a discounted entry. Read the full article on Seeking AlphaNew Narrative • May 02
Why is SoFi a company of the future?
Sofi Technologies (SOFI) — investors.sofi.com — is rightfully considered one of the key contenders for a spot in the "portfolio of the future." In April 2026, the company is demonstrating a transition from a stage of aggressive growth to a stage of scalable profitability, making it a unique hybrid of a bank and a technology platform. Why is SoFi a company of the future?
New Narrative • Apr 30
SOFI: Record Everything, Down 13%—The Galileo Wound, the Muddy Waters Shadow, and a Business Growing Too Fast for Its Own Stock Price
A Digital Bank That Keeps Delivering Records and Keeps Getting Punished for It SoFi Technologies, Inc. (NASDAQ: SOFI) is a San Francisco-based digital financial services company that has spent the past four years executing one of the most ambitious transformations in fintech history—evolving from a student loan refinancing niche lender into what CEO Anthony Noto describes as the one-stop shop for digital financial services.
Narrative Update • Apr 29
SOFI: Stablecoin Partnership Will Support Future Platform And Earnings Quality Reassessment
SoFi Technologies' updated analyst price target edges down by about $0.40 to roughly $37.63. This reflects analysts' recent shift toward slightly higher discount rates and marginally lower future P/E assumptions, even as revenue growth and profit margin inputs remain broadly similar.Narrative Update • Apr 14
SOFI: Stablecoin And Big Business Banking Expansion Will Support Future Platform Profitability
SoFi Technologies' updated analyst price target reflects a modest reset, with recent cuts of $1 to $10 by several firms tied to questions around loan growth quality, stablecoin risks, and the impact of short seller scrutiny, even as some analysts highlight potential benefits from new partnerships and traction in Big Business Banking. Analyst Commentary Recent research shows a mix of caution and optimism around SoFi Technologies, with some firms trimming price targets while others point to potential upside tied to execution in key growth areas and new product initiatives.Narrative Update • Mar 31
SOFI: Stablecoin Partnership Will Support Future Platform Profitability Despite Short Seller Pressure
Analysts have trimmed SoFi Technologies' average price target by single digits, typically by $0.50 to $7, as they balance concerns raised in recent short reports and target cuts with more supportive views around the bank's stablecoin partnership, prior upgrades, and the unchanged $38 fair value in this model. Analyst Commentary Street research on SoFi Technologies has been mixed, but there is a clear pocket of optimism where bulls are leaning into execution on growth initiatives, capital flexibility, and product expansion.Narrative Update • Mar 17
SOFI: Stablecoin Partnership And Capital Raises Will Support Future Platform Profitability
Analysts kept their SoFi Technologies fair value estimate steady at $38.00, while slightly adjusting assumptions around the discount rate, revenue growth, profit margin, and future P/E to reflect a mix of cautious price target revisions and optimism around the SoFiUSD stablecoin partnership with MasterCard and recent upgrade activity. Analyst Commentary Recent Street research around SoFi Technologies reflects a mix of caution and optimism, with the SoFiUSD partnership and ongoing execution as key talking points.
New Narrative • Mar 09
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.
Narrative Update • Mar 03
SOFI: Elevated Multiple Could Struggle To Absorb Recent Equity Issuance
Our updated SoFi Technologies narrative lifts fair value from $8.92 to $12.37, as analysts factor in a slightly lower discount rate, more moderate revenue growth of 15.54%, a higher projected profit margin of 23.47%, and a recalibrated future P/E of 18.66x following a mixed set of recent target changes and rating shifts across the Street. Analyst Commentary Street research on SoFi Technologies over the past few months reflects a mixed but engaged view from major firms.Narrative Update • Feb 17
SOFI: Recent Capital Raises Will Support Future Platform And Lending Profitability
Analysts maintained their SoFi Technologies fair value target at $38.00 and updated their models to incorporate revised views on revenue growth, profitability, and future P/E. They cited a combination of recent upgrades, price target adjustments, and differing opinions on how SoFi's capital raises and loan growth outlook may affect the company.New Narrative • Feb 14
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
Analyzing SoFi’s valuation requires looking at its transition from a high-growth fintech disruptor to a diversified, profitable financial powerhouse. Based on recent 2026 data and long-term analyst projections, here is a breakdown of where the business is headed.Analysis Article • Feb 13
SoFi Technologies, Inc.'s (NASDAQ:SOFI) Stock Retreats 29% But Earnings Haven't Escaped The Attention Of Investors
SoFi Technologies, Inc. ( NASDAQ:SOFI ) shareholders that were waiting for something to happen have been dealt a blow...
Narrative Update • Feb 03
SOFI: Fresh Capital Raises Will Shape Future Loan Platform Maturity
Analysts now peg their fair value estimate for SoFi Technologies at $26.75, down slightly from $27.15. This reflects lower Street price targets even as they factor in higher projected revenue growth, stronger profit margins, and a more conservative future P/E multiple.Narrative Update • Jan 20
SOFI: Capital Raises And Capital Light Lending Will Drive Future Profitability
Narrative Update Analysts have modestly lifted their average price target on SoFi Technologies to US$28. The shift is supported by recent research that highlights stronger than expected Q3 results, ongoing capital raises to support growth, and mixed views on the stock's current valuation multiple.Narrative Update • Jan 06
SOFI: Capital Light Loan Platform And Stablecoin Launch Will Drive Profitability
Analysts have nudged their average price targets on SoFi Technologies higher into a mid to high $20s range, citing stronger than expected Q3 results, faster scaling in the capital light loan platform business, and updated revenue and earnings assumptions that still factor in a potential slowdown against tougher comparisons. Analyst Commentary Street research on SoFi Technologies has turned more constructive overall, with several bullish analysts lifting their valuation frameworks following the latest Q3 report.Narrative Update • Dec 30
SoFi Stock: When a Fintech Starts Behaving Like a Platform Bank
SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth, but balance-sheet ownership.Narrative Update • Dec 20
SOFI: Capital Light Loan Platform Is Expected To Drive Higher Profitability
Analysts have lifted their fair value estimate for SoFi Technologies by $8.00 to $38.00 per share, citing stronger than expected Q3 results, accelerating growth and scalability in the capital light loan platform business, and improving long term profitability assumptions, despite some peers tempering outer year forecasts. Analyst Commentary Bullish analysts broadly view SoFi's latest quarter as a validation of its strategy, highlighting the combination of strong operating execution, scalable capital light businesses, and improving profitability that supports higher valuation levels.Narrative Update • Dec 06
SOFI: Loan Platform Maturity And Easing Rates Will Shape Future Performance
The analyst-derived fair value estimate for SoFi Technologies has inched higher to approximately $27 from about $26.6, as analysts point to stronger-than-expected Q3 execution, improving key performance indicators, and a higher justified earnings multiple despite some moderation in longer-term growth assumptions. Analyst Commentary Street research on SoFi following the Q3 print is broadly constructive, but not uniformly so, resulting in a clustered set of targets in the high teens to high 30s and a mix of Buy, Neutral, and Underperform stances.Narrative Update • Nov 22
SOFI: Lending Platform Expansion And Interest Rate Trends Will Guide Balanced Performance
Analysts have increased their price target for SoFi Technologies from $26.03 to $26.61. They cite improved loan platform scalability, robust quarterly results, and a slightly lower discount rate that supports a higher valuation.Narrative Update • Nov 07
SOFI: Lending Momentum And Platform Expansion Will Support Balanced Long-Term Performance
Analysts have raised their price target for SoFi Technologies from approximately $22.81 to $26.03. They cite stronger profit margins and continued momentum in the company’s lending and platform businesses as key drivers for their more positive outlook.Narrative Update • Nov 04
SoFi’s Growth Engine Powers Ahead
SoFi Stock: Explosive Growth, Real Profits SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor — it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million , up 38% year-over-year , and adjusted net revenue of $950 million.Narrative Update • Oct 24
Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward
Analysts have raised their fair value estimate for SoFi Technologies from $22.08 to $22.81. This change reflects upward revisions based on expectations of stronger profit margins, modestly higher revenue growth, and improved sector sentiment as a result of lower interest rates and resilient credit performance.Narrative Update • Oct 10
Digital Transformation In Banking And AI Will Yield Mixed Results
SoFi Technologies’ fair value estimate has increased from $21.28 to $22.08, as analysts point to improved credit performance, rising growth projections, and an enhanced outlook in light of the sector’s favorable interest rate trends. Analyst Commentary Recent research notes continue to reflect a dynamic outlook for SoFi Technologies, with both bullish and cautious perspectives influencing fair value estimates and market sentiment.Narrative Update • Sep 26
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts have modestly raised SoFi’s price target to $21.28, citing anticipated interest rate cuts, improved digital lending trends, and upcoming product launches—though some caution remains on valuation relative to fundamentals. Analyst Commentary Bullish analysts are increasing price targets due to anticipated interest rate cuts, which are expected to benefit bank processors, lenders, and exchanges, notably improving SoFi's forward outlook and justifying higher valuation multiples.Narrative Update • Sep 11
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts raised SoFi Technologies’ price target to $21.00, citing improved digital lending conditions, new revenue streams from crypto and student lending, and a stronger balance sheet, although some warn current valuation may be stretched. Analyst Commentary Improved funding availability and lower costs in digital lending markets are expected to drive stronger lending growth, with potential for additional upside if interest rate cuts occur.Narrative Update • Aug 27
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts have raised SoFi Technologies' price target to $20.78, citing optimism about new revenue streams from product diversification, improved sector trends, and a stronger balance sheet, though some caution that the stock may be fairly valued following its recent rally. Analyst Commentary Product diversification, particularly expanding into a crypto trading platform and student lending following new legislation, is seen as a key growth driver and revenue catalyst.Narrative Update • Aug 06
Digital Transformation In Banking And AI Will Yield Mixed Results
SoFi Technologies' consensus price target has increased, primarily reflecting improved net profit margins, although a higher discount rate partially offsets this, resulting in a new analyst price target of $20.11. What's in the News SoFi completed a $1.5 billion follow-on equity offering of common stock at $20.85 per share, with Citigroup and Mizuho added as co-lead underwriters.Seeking Alpha • Apr 28
SoFi Technologies Q1 Preview: Student Loan Boom
Summary SoFi's shares have outperformed the market, driven by regulatory changes and resumption of student loan payments, making it a strong buy heading into earnings. The fintech bank's multi-segment platform and cross-selling opportunities position it for significant growth, especially with the end of the student loan payment moratorium. SoFi is expected to report strong Q1 earnings, with significant year-over-year growth in both EPS and revenue, driven by increased student loan refinancing demand. Despite valuation concerns, SoFi's impressive revenue growth and profitability acceleration justify a premium, with potential for further upside if the stock re-rates. Read the full article on Seeking AlphaSeeking Alpha • Apr 19
SOFI: Why I Loaded Up More Shares
Summary SoFi secured $3.2B in new loan funding, bringing its total third-party capital commitments to over $5B. Non-lending segments drove 47% of 2024 revenue, up from 38% in 2023, accelerating SoFi’s platform transformation. The company generated $67M in fee income from $2.1B of LPB-originated loans, without holding credit risk. SoFi reported $666M in adjusted EBITDA for 2024, a 26% margin, with strong contribution from capital-light segments. EPS is projected to double from $0.25 in 2025 to $0.50 in 2026, supporting a $12–$20/share valuation range. Read the full article on Seeking AlphaSeeking Alpha • Apr 08
SoFi Technologies: Buy And Hold The First Fintech Super-App
Summary SoFi’s ecosystem unlocks high LTV via product depth, data leverage, and network effects—clear moat forming in digital banking. Market is mispricing forward growth; 5x sales on 2025–2026 revs implies $14–$16/share. Macro risk caps near-term re-rating, but optionality is strong if policy stabilizes and rates ease by mid-2026. Read the full article on Seeking AlphaSeeking Alpha • Apr 01
SoFi Technologies: Be Greedy When Others Are Fearful
Summary SoFi Technologies stock has surged ~32% since late February 2024, outperforming the S&P 500 index despite recent market dips. SOFI's impressive growth in membership and product additions, coupled with a shift towards a fee-based revenue model, supports its valuation and GARP status. The firm's strong EPS growth, margin expansion, and optimistic management guidance suggest a potential fair value of ~$14/share, offering an 18% upside. Risks include macroeconomic influences and potential policy shifts, which could impact SOFI's lending business and valuation assumptions, making the stock vulnerable in a recession. Read the full article on Seeking AlphaSeeking Alpha • Mar 22
SoFi Technologies: Don't Let This Steep Selloff Go To Waste (Rating Upgrade)
Summary SoFi Technologies investors were reminded of why investing in SOFI isn't for the faint-hearted, as they endured a 40% plunge from recent highs. SoFI investors need to navigate economic uncertainties, while seeking to benefit from the deregulatory agenda of the Trump administration. Despite that, SOFI's previous earnings multiples showed why overstating the bullish case isn't astute. However, bearish investors must also reconsider their pessimistic overtures on SOFI, as the stock seems to have struck a bottom recently. I argue why investors who bided their time patiently for this opportunity shouldn't let the selloff go to waste. Read the full article on Seeking AlphaSeeking Alpha • Mar 15
SoFi: Student Loan Changes Are Good
Summary SoFi Technologies has shown strong performance, with shares up 8% since October, outperforming the S&P 500, which is down nearly 5%. The company has achieved multiple GAAP-profitable quarters and a full year of GAAP net income in 2024, indicating sustainable, long-term profitability. SoFi's customer base is growing rapidly, with a 34% year-over-year membership increase and 40% of new members adopting a second product within 30 days. Despite a recent pullback in shares, SoFi's robust revenue and EPS growth, along with favorable regulatory changes. I think this presents a prime buying opportunity for long-term investors. Read the full article on Seeking AlphaSeeking Alpha • Mar 08
SoFi Stock: This Dip Is A Gift
Summary I maintain a "Buy" rating on SoFi Technologies, Inc. (SOFI) due to its strong growth prospects and undervaluation despite recent market pressures. SOFI's Q4 2024 results showed a 34% YoY increase in members and a 26% YoY rise in adjusted net revenue, beating consensus expectations. The firm's diversification into fee-based revenue streams and strong EBITDA margins support its long-term growth potential, even amid macroeconomic uncertainties. Despite risks from potential changes in federal student loan management, SOFI's strategic diversification and undervaluation suggest a 46% upside over the next 12 months. The new product launches SOFI plans to realize this and next year, the strategic diversification away from lending, and the PEG ratios well below the industry's norms suggest that the stock is a "Buy"on its dip. Read the full article on Seeking AlphaSeeking Alpha • Feb 27
SoFi Technologies: Fintech Hype Against Biting Competition
Summary SoFi Technologies' valuation is excessively high, with aggressive growth assumptions that are not supported by the company's fundamentals and competitive landscape. SOFI faces intense competition from both traditional financial giants like JPMorgan and innovative fintech companies, risking its growth and differentiation strategy. Despite achieving profitability in 2024, SOFI's decelerating revenue growth and high competition make long-term aggressive bottom-line growth challenging. The DCF model and valuation ratios indicate significant downside potential, justifying a SELL rating due to high risks and uncertainties. Read the full article on Seeking AlphaSeeking Alpha • Feb 19
SoFi Technologies Stock: This Pullback Offers Investors A Great Opportunity
Summary SoFi Technologies, Inc. demonstrated strong growth, with Q4 2024 revenue up 19.3% year-over-year, and it expects continued growth in 2025. The company reached 10.13 million members and 14.75 million products in Q4 2024, driven by Financial Services Products. Net profits surged from $24.6 million to $332.5 million, with management anticipating further revenue and profit increases in 2025. Despite shares being pricier than a few years ago, SoFi remains attractively valued, justifying a reaffirmed “buy” rating. Read the full article on Seeking AlphaShareholder Returns
| SOFI | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -0.6% | 1.9% | 3.2% |
| 1Y | 20.7% | 12.9% | 31.0% |
Return vs Industry: SOFI exceeded the US Consumer Finance industry which returned 12.9% over the past year.
Return vs Market: SOFI underperformed the US Market which returned 31% over the past year.
Price Volatility
| SOFI volatility | |
|---|---|
| SOFI Average Weekly Movement | 7.4% |
| Consumer Finance Industry Average Movement | 6.9% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: SOFI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SOFI's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2011 | 6,100 | Anthony Noto | www.sofi.com |
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services.
SoFi Technologies, Inc. Fundamentals Summary
| SOFI fundamental statistics | |
|---|---|
| Market cap | US$20.89b |
| Earnings (TTM) | US$576.94m |
| Revenue (TTM) | US$3.91b |
35.5x
P/E Ratio5.2x
P/S RatioIs SOFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SOFI income statement (TTM) | |
|---|---|
| Revenue | US$3.91b |
| Cost of Revenue | US$644.60m |
| Gross Profit | US$3.26b |
| Other Expenses | US$2.69b |
| Earnings | US$576.94m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.45 |
| Gross Margin | 83.51% |
| Net Profit Margin | 14.76% |
| Debt/Equity Ratio | 16.8% |
How did SOFI perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/07 05:37 |
| End of Day Share Price | 2026/05/07 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
SoFi Technologies, Inc. is covered by 31 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |