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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
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
20.130
Open
19.600
VWAP
19.65
Vol
73.61M
Mkt Cap
24.78B
Low
19.390
Amount
1.45B
EV/EBITDA(TTM)
27.83
Total Shares
1.28B
EV
21.16B
EV/OCF(TTM)
--
P/S(TTM)
7.93
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)
2026-04-16
14:40:00
Slate Auto Closes $650M Series C Funding
select
2026-04-15 (ET)
2026-04-15
10:20:00
SoFi Technologies Shares Rise 2.32%
select
2026-04-14 (ET)
2026-04-14
17:00:00
SoFi Technologies Shares Rise 5.16%
select
2026-04-13 (ET)
2026-04-13
08:10:00
SoFi Launches Instant Bank Transfer Service via Galileo
select

News

Fool
9.5
04-18Fool
PinnedSoFi's Financial Report Faces Short-Seller Scrutiny
  • Short-Seller Report Impact: The short-seller report from Muddy Waters Research alleges financial engineering and improper accounting by SoFi, raising investor concerns about future performance and potentially affecting stock price stability.
  • Strong Customer Growth: Despite the scrutiny, SoFi continues to rapidly add new customers, with expectations that its Q1 2026 earnings report will show strong growth and improving profits, reflecting resilience in market demand.
  • Charge-Off Rate Controversy: Muddy Waters claims that SoFi's reported personal loan charge-off rate is artificially lowered to 2.89%, while the actual rate is 6.1%, which could undermine investor confidence in the company's financial health.
  • Inflated EBITDA Data: The report suggests that SoFi's reported EBITDA for 2025 may be inflated by 90% due to improper accounting practices, raising serious concerns about financial transparency, prompting investors to closely monitor subsequent developments.
NASDAQ.COM
7.0
04-18NASDAQ.COM
SoFi Stock Declines Following Short-Seller Report Allegations
  • Impact of Short-Seller Report: The release of a short-seller report by Muddy Waters Research alleging accounting malpractice has led to a significant decline in SoFi's stock price after a period of strong performance, prompting investors to monitor the company's personal loan charge-off rate closely.
  • Financial Data Scrutiny: The report claims that SoFi's reported personal loan charge-off rate is artificially lowered to 2.89%, while the actual rate is estimated at 6.1%, which could undermine the company's financial transparency and investor confidence moving forward.
  • EBITDA Inflation Risk: Muddy Waters asserts that SoFi's reported adjusted EBITDA for 2025 is inflated by 90%, suggesting that the reported $259 million in fair value gains on personal loans may be significantly exaggerated, raising concerns about the company's financial health.
  • Investor Caution Advised: Despite management's denial of all allegations, investors should exercise caution when considering investments in SoFi, particularly by paying attention to changes in its personal loan charge-off rate in the upcoming Q1 2026 earnings report.
Fool
8.5
04-16Fool
Investment Trends in the Fintech Sector
  • Revenue Growth Highlights: In 2025, five fintech companies including Lemonade, Nu Holdings, Robinhood, SoFi, and Upstart achieved at least 35% year-over-year revenue growth, with two exceeding 50%, indicating strong growth potential in the sector.
  • Profitability Improvement: Block expects a 26% adjusted operating margin in 2026, while PayPal generated $5.6 billion in free cash flow on $33.2 billion in revenue in 2025, showcasing the profitability advantage of established fintech players.
  • Valuation Attractiveness: PayPal's stock currently trades 84% below its historical peak, with a forward price-to-earnings ratio of 9.1, highlighting its appeal as an investment opportunity amid market fluctuations.
  • Diversity in Investment Strategy: When selecting stocks, investors should consider various factors such as growth, profitability, and valuation to develop a strategy that aligns with their individual investment philosophy, thereby maximizing returns in the fintech space.
Yahoo Finance
9.5
04-16Yahoo Finance
Major Banks Report Strong Q1 Earnings, Surpassing Expectations
  • Investment Banking Recovery: Morgan Stanley and Bank of America reported Q1 earnings that exceeded analyst expectations, achieving trading revenue growth of 25% and 30% respectively, indicating a recovery in investment banking and boosting market confidence, leading to a strong start for the financial sector.
  • Surge in Trading Activity: Increased market volatility has significantly elevated trading activities at major banks, driving overall revenue growth, particularly with Bank of America achieving record equities trading, reflecting a positive investor sentiment towards the market.
  • Improved M&A Climate: A healthier environment for mergers and acquisitions has provided strong support for investment banking divisions, signaling a revival of corporate confidence that will deliver sustained growth momentum for the financial industry and aid overall economic recovery.
  • Strong Stock Performances: Against this backdrop, stocks of companies like Affirm, SoFi, and StepStone Group saw notable increases, rising 6.6%, 4.4%, and 5.4% respectively, indicating a strong buying interest in high-quality stocks from the market.
stocktwits
9.5
04-16stocktwits
SoFi Stock Rallies Amid Analyst Optimism and Earnings Expectations
  • Stock Price Surge: SoFi Technologies Inc. (SOFI) shares have jumped over 15% this week, positioning the stock for its best week since late November, reflecting strong market confidence in its future growth prospects.
  • Optimistic Earnings Forecast: Analysts expect SoFi to report quarterly revenues of $1.05 billion for Q1 2026, representing a year-on-year growth of approximately 36%, indicating the company's potential in digital asset expansion and profitability.
  • Divergent Analyst Ratings: While Argus initiated coverage with a 'Hold' rating, among the 24 analysts covering SOFI stock, 8 have issued 'Buy' ratings, showcasing a mixed outlook on the company's future performance.
  • Retail Sentiment Turns Bullish: On Stocktwits, retail sentiment around SOFI stock shifted from 'neutral' to 'bullish' over the past 24 hours, with investors widely predicting that the upcoming earnings report will exceed expectations, further driving the stock price upward.
Fool
4.5
04-15Fool
Market Rebound: Promising Investment Opportunities
  • Market Rebound: The market has experienced one of its largest rebounds in months, indicating strong recovery potential and a resurgence of investor confidence, which may lead to increased capital inflows into equities.
  • Bullish Stocks: Analysts are optimistic about certain stocks, believing they possess strong holding value amid future market volatility, thus providing a buffer against uncertainties.
  • Further Upside Potential: Signs of a rebound suggest that the market may have more room to run, prompting investors to focus on these promising stocks to capitalize on future profit opportunities.
  • Video Analysis: The video offers an in-depth analysis of the market rebound, encouraging viewers to subscribe for more investment insights, reflecting a commitment to staying informed about market dynamics.
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
Argus
Hold
initiated
AI Analysis
2026-04-15
New
Reason
Argus
Price Target
AI Analysis
2026-04-15
New
initiated
Hold
Reason
Argus initiated coverage of SoFi Technologies with a Hold rating.
BofA
Mihir Bhatia
Underperform
downgrade
$20 -> $18
2026-04-13
Reason
BofA
Mihir Bhatia
Price Target
$20 -> $18
2026-04-13
downgrade
Underperform
Reason
BofA analyst Mihir Bhatia lowered the firm's price target on SoFi Technologies to $18 from $20 and keeps an Underperform rating on the shares. The firm is lowering price targets for a number of stocks in the consumer finance group to account for revised estimates, lower market multiples and higher macro uncertainty.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SOFI
Unlock Now

Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 33.33, compared to its 5-year average forward P/E of 17.68. 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
17.68
Current PE
33.33
Overvalued PE
83.10
Undervalued PE
-47.74

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
5Y Average EV/EBITDA
14.68
Current EV/EBITDA
16.69
Overvalued EV/EBITDA
17.49
Undervalued EV/EBITDA
11.87

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
5.03
Current PS
4.28
Overvalued PS
8.08
Undervalued PS
1.98

Financials

AI Analysis
Annual
Quarterly

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Simplex Trading, LLC
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3M Return
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Peak6 Group LLC
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Frequently Asked Questions

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

The current price of SOFI is 19.43 USD — it has increased 2.1

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 April 19 2026.

What is SoFi Technologies Inc (SOFI) market cap?

Today SOFI has the market capitalization of 24.78B USD.