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SOFI logo

SOFI Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
15.690
Open
15.670
VWAP
15.36
Vol
54.98M
Mkt Cap
19.42B
Low
15.150
Amount
844.29M
EV/EBITDA(TTM)
21.46
Total Shares
1.28B
EV
16.31B
EV/OCF(TTM)
--
P/S(TTM)
6.34
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
Show More

Events Timeline

(ET)
2026-03-26
13:20:00
SoFi Expands Loan Platform Business, Commits Over $3.6B in Loans
select
2026-03-17 (ET)
2026-03-17
19:10:00
SoFi to Explore Legal Action Against Muddy Waters Report
select
2026-03-17
16:40:00
Major Averages Close Fractionally Higher, WTI Crude Near $96
select

News

Marketbeat
4.5
03-28Marketbeat
MarketBeat Weekly Recap – March 23 to March 27
  • Market Trends: Following recent uncertainty, stocks have pulled back, with the Trump administration's pause in hostilities with Iran initially easing investor anxiety, but rising energy prices and inflation concerns are complicating the market outlook.

  • Investment Opportunities: Analysts are highlighting potential opportunities in various sectors, including energy stocks and companies like Advanced Micro Devices (AMD), which is expected to see growth due to strong institutional buying and planned product launches.

  • Stock Performance: Companies like Rivian Automotive and Tesla are under scrutiny, with Rivian showing quiet performance while Tesla faces regulatory challenges, impacting investor sentiment and stock prices.

  • Consumer Sector Insights: Retail stocks, particularly Gap and Macy's, are experiencing mixed reactions post-earnings reports, with some showing recovery while others face caution from investors regarding their future strategies.

Yahoo Finance
2.0
03-28Yahoo Finance
Analysis of Today's Savings Rates
  • Current Rate Overview: According to the FDIC, the national average savings account rate stands at 0.39%, a significant increase from 0.06% three years ago, indicating a gradual recovery in the savings market despite still being lower than other investment returns.
  • High-Yield Account Benefits: Some top savings accounts currently offer rates as high as 4% APY, such as those from SoFi and Valley Bank Direct, attracting savers seeking higher returns, which could lead to a shift of funds towards these high-yield products.
  • Interest Earnings Calculation: With an average rate of 0.39%, depositing $1,000 would yield only $3.91 in interest after one year, whereas a high-yield account at 4% APY would generate $40.81, highlighting the significant advantage of high-yield accounts.
  • Impact of Deposit Amount: Depositing $10,000 in a 4% APY account would result in a total balance of $10,408.08 after one year, earning $408.08 in interest, emphasizing the positive correlation between deposit amounts and earnings.
Fool
2.0
03-27Fool
Financial Stocks Struggle, Consumer Finance Takes Major Hit
  • Consumer Finance Decline: Year-to-date, consumer finance stocks have plummeted by 21%, with Robinhood, Affirm, and SoFi down 39%, 40%, and 38% respectively, reflecting investor concerns over economic slowdown and rising credit risks, leading to a valuation correction for these previously high-performing stocks in 2025.
  • Payment Processor Advantage: Visa and Mastercard, as the largest payment processors in the U.S., account for 76% of credit card transaction volume and 69% of cards in circulation, and due to their lack of credit risk exposure, they maintain stable cash flows during economic downturns, with expectations of double-digit earnings growth in 2026.
  • Market Dominance: S&P Global and Moody's control 80% of the credit rating market, and with its strong positions in market intelligence and indexing, S&P Global has historically performed well under various market conditions, with a projected 5% increase in credit issuance in 2026.
  • Analyst Optimism: 93% of analysts rate Mastercard and S&P Global as
NASDAQ.COM
2.0
03-27NASDAQ.COM
Financial Stocks Decline, Visa and Mastercard Stand Out
  • Overall Financial Sector Decline: Financial stocks have dropped approximately 10% year-to-date, with consumer finance stocks suffering the most, down 21%, significantly impacting the entire financial sector.
  • Visa and Mastercard's Market Position: As the largest payment processors in the U.S., Visa and Mastercard account for 76% of credit card purchase volume and 69% of all cards in circulation, and their lack of credit risk allows them to perform relatively well during economic downturns.
  • Analyst Optimism for Visa and Mastercard: With 93% of analysts rating Mastercard as a 'buy' with a price target of $669, indicating a 34% upside, and 92% rating Visa with a target of $408, also suggesting a 34% potential gain, both companies are viewed favorably.
  • S&P Global's Resilient Performance: As a dominant player in the credit ratings market, S&P Global, alongside Moody's, controls 80% of the market share, with a projected 5% increase in credit issuance in 2026, and its status as a Dividend King with 53 consecutive years of dividend increases underscores its financial strength.
stocktwits
7.5
03-26stocktwits
SoFi Closes Over $1 Billion Loan Deal with Global Bank
  • Loan Platform Expansion: SoFi has closed a transaction with a leading global bank for over $1 billion in loans and established a new partnership with a top-five global private asset management firm, expected to deliver up to $2 billion over two years, indicating sustained strong demand for personal loans.
  • Strategic Partnerships: The company is committing over $3.6 billion in personal loan delivery across three new partnerships, showcasing the unique value of its Loan Platform Business in effectively connecting borrower demand with institutional capital, thereby driving a capital-light, fee-based revenue model.
  • Market Reaction Analysis: Despite the growth potential of SoFi's Loan Platform Business, its stock fell more than 3% on Thursday, reflecting mixed sentiments among retail traders regarding its expansion plans, with shares down 40% year-to-date.
  • Strong Borrower Demand: SoFi's Loan Platform Business secured over $10 billion in commitments by 2025 to meet borrower demand, underscoring the company's competitiveness and adaptability in the personal loan market.
Fool
8.5
03-26Fool
Delta Airlines' Optimistic Outlook and Mastercard's Acquisition of Stablecoin Company
  • Delta Airlines Guidance: Delta Airlines issued a first-quarter earnings guidance ahead of industry expectations, projecting EPS in the range of $0.50 to $0.90, despite rising fuel costs and adverse weather, indicating strong demand and revenue growth potential.
  • Strong Industry Demand: With 90% of Delta's revenue derived from premium offerings and loyalty programs, the demand from high-income earners is driving the airline industry's recovery, and its maintenance business is expected to grow by 150% year-over-year, further enhancing the company's diversified revenue streams.
  • Mastercard Acquisition Move: Mastercard's acquisition of UK stablecoin company BVNK for approximately $1.8 billion aims to integrate cryptocurrency payments into its infrastructure, marking a strategic move into the digital currency space and ensuring it remains competitive in the evolving market.
  • Fintech and Traditional Finance Convergence: As fintech companies increasingly blend with traditional financial institutions, Mastercard's acquisition reflects heightened competition within the industry, with legacy financial firms actively adapting to emerging technologies to maintain market competitiveness.
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
Wall Street analysts forecast SOFI stock price to rise
5 Buy
6 Hold
3 Sell
Hold
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Wells Fargo
Equal Weight
initiated
$19
AI Analysis
2026-03-19
Reason
Wells Fargo
Price Target
$19
AI Analysis
2026-03-19
initiated
Equal Weight
Reason
Wells Fargo initiated coverage of SoFi Technologies with an Equal Weight rating and $19 price target. The company is a "digital leader sitting at the nexus" of technology and financial services, the analyst tells investors in a research note. Wells says that while SoFI has "strong" earnings growth, its neutral rating reflects the stock's valuation and the company's loan sale risk.
Keefe Bruyette
Tim Switzer
Underperform
maintain
$20
2026-03-18
Reason
Keefe Bruyette
Tim Switzer
Price Target
$20
2026-03-18
maintain
Underperform
Reason
Keefe Bruyette analyst Tim Switzer says the short report by Muddy Waters took a thorough look at SoFi Technologies' accounting, tying together some previously unknown information from uniform commercial code filings and bills of sale with the company's' regular investor disclosures. Keefe believes most of the Street is already aware of these issues. This means the stock reaction going forward is likely more dependent on retail investors, who are "less aware of the intricacies of SOFI's accounting/business model," the analyst tells investors in a research note. Keefe thinks the short report "raises some new questions." It keeps an Underperform rating on SoFi with a $20 price target. The stock closed Tuesday down 1% to $17.37.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SOFI
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Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 50.52, compared to its 5-year average forward P/E of 14.73. For a more detailed relative valuation and DCF analysis to assess SoFi Technologies Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
14.73
Current PE
50.52
Overvalued PE
81.06
Undervalued PE
-51.60

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
Undervalued EV/EBITDA

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
5.02
Current PS
8.15
Overvalued PS
8.16
Undervalued PS
1.87

Financials

AI Analysis
Annual
Quarterly

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Whales Holding SOFI

G
Ghisallo Capital Management LLC
Holding
SOFI
+6.38%
3M Return
F
Fuh Hwa Securities Investment Trust Co., Ltd.
Holding
SOFI
+3.12%
3M Return
T
Two Sigma Investments, LP
Holding
SOFI
+0.15%
3M Return
V
Voloridge Investment Management, LLC
Holding
SOFI
-0.02%
3M Return
C
Contrarius Investment Management Ltd.
Holding
SOFI
-2.56%
3M Return
J
Jane Street Group, LLC
Holding
SOFI
-3.53%
3M Return

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Frequently Asked Questions

What is SoFi Technologies Inc (SOFI) stock price today?

The current price of SOFI is 15.23 USD — it has decreased -4.03

What is SoFi Technologies Inc (SOFI)'s business?

SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.

What is the price predicton of SOFI Stock?

Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is SoFi Technologies Inc (SOFI)'s revenue for the last quarter?

SoFi Technologies Inc revenue for the last quarter amounts to 863.43M USD, increased 42.49

What is SoFi Technologies Inc (SOFI)'s earnings per share (EPS) for the last quarter?

SoFi Technologies Inc. EPS for the last quarter amounts to 0.13 USD, decreased -56.67

How many employees does SoFi Technologies Inc (SOFI). have?

SoFi Technologies Inc (SOFI) has 5000 emplpoyees as of March 30 2026.

What is SoFi Technologies Inc (SOFI) market cap?

Today SOFI has the market capitalization of 19.42B USD.