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  3. SOFI
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SOFI

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    Overview
    Forecast
    Valuation
    Earnings
High
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Low
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Amount
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EV/EBITDA(TTM)
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
989.35M
+33.86%
0.118
-59.17%
1.01B
+30.59%
0.126
+109.7%
1.08B
+25.54%
0.147
+83.91%
Estimates Revision
The market is revising Upward the revenue expectations for SoFi Technologies, Inc. (SOFI) for FY2025, with the revenue forecasts being adjusted by 4.03% over the past three months. During the same period, the stock price has changed by 16.63%.
Revenue Estimates for FY2025
Revise Upward
up Image
+4.03%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+17.51%
In Past 3 Month
Stock Price
Go Up
up Image
+16.63%
In Past 3 Month
Wall Street analysts forecast SOFI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 27.21 USD with a low forecast of 12.00 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.
16 Analyst Rating
Wall Street analysts forecast SOFI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 27.21 USD with a low forecast of 12.00 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.
5 Buy
7 Hold
4 Sell
Hold
Current: 29.600
sliders
Low
12.00
Averages
27.21
High
38.00
Current: 29.600
sliders
Low
12.00
Averages
27.21
High
38.00
JPMorgan
Neutral
maintain
$28 -> $31
2025-12-04
New
Reason
JPMorgan
Price Target
$28 -> $31
2025-12-04
New
maintain
Neutral
Reason
JPMorgan raised the firm's price target on SoFi Technologies to $31 from $28 and keeps a Neutral rating on the shares as part of a 2026 outlook on the financial technology group. The firm sees a "soft-landing grind" in 2026 with slowing real growth for the sector, driven by a weakening labor market and the lagged tariff effects, partially offset by tax cuts.
Truist
Hold
downgrade
$31 -> $28
2025-11-25
Reason
Truist
Price Target
$31 -> $28
2025-11-25
downgrade
Hold
Reason
Truist lowered the firm's price target on SoFi Technologies to $28 from $31 and keeps a Hold rating on the shares. The firm is lowering its estimates for revenue and earnings in Q4, 2026, and 2027 on expectation of a slowdown due to tougher comps as SoFi is beginning to lap some outsized growth in their Loan Platform Business, the analyst tells investors in a research note.
Goldman Sachs
Neutral
maintain
$24 -> $27
2025-10-30
Reason
Goldman Sachs
Price Target
$24 -> $27
2025-10-30
maintain
Neutral
Reason
Goldman Sachs raised the firm's price target on SoFi Technologies to $27 from $24 and keeps a Neutral rating on the shares.
UBS
Neutral
maintain
2025-10-30
Reason
UBS
Price Target
2025-10-30
maintain
Neutral
Reason
UBS raised the firm's price target on SoFi Technologies to $27.50 from $20.50 and keeps a Neutral rating on the shares.
Mizuho
Dan Dolev
upgrade
$31 -> $38
2025-10-30
Reason
Mizuho
Dan Dolev
Price Target
$31 -> $38
2025-10-30
upgrade
Reason
Mizuho analyst Dan Dolev raised the firm's price target on SoFi Technologies to $38 from $31 and keeps an Outperform rating on the shares. The firm upped estimates following the Q3 report and believes SoFi's fiscal 2025 guidance "remains quite conservative." It expects another "beat and raise" print in Q4.
Goldman Sachs
Michael Ng
Neutral
maintain
$24 -> $27
2025-10-29
Reason
Goldman Sachs
Michael Ng
Price Target
$24 -> $27
2025-10-29
maintain
Neutral
Reason
Goldman Sachs analyst Michael Ng raised the firm's price target on SoFi Technologies to $27 from $24 and keeps a Neutral rating on the shares. SoFi shares rallied after a strong beat-and-raise quarter marked by record originations, robust Loan Platform growth, and accelerating member gains, the analyst tells investors in a research note. Results were driven by faster-than-expected balance sheet expansion, supported by summer capital raises and favorable private-market funding conditions. While credit trends in recent securitizations warrant monitoring, lower funding costs and stable capital markets position the company for potential net interest margin expansion and further estimate increases, Goldman says.
See All Ratings

Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 52.21, compared to its 5-year average forward P/E of 12.59. For a more detailed relative valuation and DCF analysis to assess SoFi Technologies Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

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
12.59
Current PE
52.21
Overvalued PE
77.51
Undervalued PE
-52.33

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
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

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
N/A
5Y Average PS
4.73
Current PS
0.00
Overvalued PS
7.92
Undervalued PS
1.55
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Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areSelling! The selling amount has increased 397.94% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areSelling! The selling amount has increased 397.94% over the last month.
Sold
Bought
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SOFI News & Events

Events Timeline

(ET)
2025-12-04
21:40:00
New
Goldman Sachs Prices New Offering at $27.50
select
2025-12-04
19:40:00
U.S. Equity Futures Little Changed, Tech Stocks Mixed Performance
select
2025-12-04
16:30:00
SoFi Shares Drop 4% to $28.39 After $1.5B Share Offering Announcement
select
Sign Up For More Events
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News

[object Object]
Preview
8.5
11:31 AMMarketWatch
PinnedSoFi's Booming Stock Takes a Hit Following Announcement of $1.5 Billion Stock Offering
  • Stock Performance: SoFi Technologies Inc. shares dropped over 6% in after-hours trading following the announcement of a $1.5 billion stock offering.
  • Use of Proceeds: The company plans to utilize the funds for general corporate purposes, including enhancing its capital position and funding growth opportunities.
[object Object]
Preview
8.5
11:00 AMNASDAQ.COM
PinnedSoFi Technologies Sets Public Offering Price at $27.50 per Share for Approximately 54.55 Million Shares

  • Public Offering Announcement: SoFi Technologies Inc. has priced its public offering of approximately 54.55 million shares at $27.50 per share, aiming for total gross proceeds of about $1.5 billion.

  • Underwriter Option: The company has granted underwriters a 30-day option to purchase an additional 8,181,818 shares at the public offering price.

  • Closing Date: The offering is expected to close on December 8, 2025, pending customary closing conditions.

  • Use of Proceeds: SoFi plans to use the net proceeds for general corporate purposes, including enhancing capital position and funding growth opportunities.

[object Object]
Preview
8.5
07:05 AMCNBC
PinnedSoFi's Shares Decline Following $1.5 Billion Stock Sale Announcement

  • Stock Offering Announcement: SoFi shares dropped nearly 6% after the company announced a $1.5 billion stock offering aimed at enhancing its capital position and funding growth opportunities.

  • Market Performance: The stock offering follows a significant increase in SoFi's market cap, which has nearly doubled in 2025, and a more than sixfold rise in stock price since the end of 2022.

  • Impact on Shareholders: Planned share sales typically lead to a decline in share price due to the dilution of existing shareholders' stakes.

  • Financial Growth: In its recent earnings report, SoFi reported a 38% revenue growth year-over-year, reaching $961.6 million, with net income more than doubling to $139.4 million and cash reserves of $3.25 billion.

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People Also Watch

FAQ

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

The current price of SOFI is 29.6 USD — it has increased 1.82 % in the last trading day.

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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.

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What is the price predicton of SOFI Stock?

Wall Street analysts forecast SOFI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 27.21 USD with a low forecast of 12.00 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.

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

SoFi Technologies Inc revenue for the last quarter amounts to 800.18M USD, increased 39.55 % YoY.

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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 0.11 USD, increased 120.00 % YoY.

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What changes have occurred in the market's expectations for SoFi Technologies Inc (SOFI)'s fundamentals?

The market is revising Upward the revenue expectations for SoFi Technologies, Inc. (SOFI) for FY2025, with the revenue forecasts being adjusted by 4.03% over the past three months. During the same period, the stock price has changed by 16.63%.
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How many employees does SoFi Technologies Inc (SOFI). have?

SoFi Technologies Inc (SOFI) has 5000 emplpoyees as of December 05 2025.

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What is SoFi Technologies Inc (SOFI) market cap?

Today SOFI has the market capitalization of 35.06B USD.

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