SOFI

SoFi Technologies Inc

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Advanced Chart

22.080

+0.62(2.889%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

22.430

Open

21.790

VWAP

22.09

Vol

52.85M

Mkt Cap

26.21B

Low

21.680

Amount

1.17B

EV/EBITDA(TTM)

51.19

Total Shares

1.06B

27.29B

EV/OCF(TTM)

P/S(TTM)

9.88

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

863.85M

+25.3%

904.52M

+22.38%

951.38M

+23.44%

Estimates Revision

The market is revising Upward the revenue expectations for SoFi Technologies, Inc. (SOFI) for FY2025, with the revenue forecasts being adjusted by 4.48% over the past three months. During the same period, the stock price has changed by 69.72%.

Revenue Estimates for FY2025

Revise Upward

+4.48%

In Past 3 Month

Stock Price

Go Up

+69.72%

In Past 3 Month

17 Analyst Rating

-22.64% Downside

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 17.08 USD with a low forecast of 11.00 USD and a high forecast of 21.00 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.

6 Buy

8 Hold

3 Sell

Hold

-22.64% Downside

Current: 22.080

Low

11.00

Averages

17.08

High

21.00

-22.64% Downside

Current: 22.080

Low

11.00

Averages

17.08

High

21.00

Keefe Bruyette

Timothy Switzer

Underperform

maintain

$13 -> $14

2025-08-05

New

Reason

Keefe Bruyette

Timothy Switzer

Price Target

$13 -> $14

2025-08-05

New

maintain

Underperform

Reason

Keefe Bruyette analyst Timothy Switzer raised the firm's price target on SoFi Technologies to $14 from $13 and keeps an Underperform rating on the shares. The firm was not surprised by the capital raise and views the raise positively, the analyst tells investors in a research note.

Truist

Hold

maintain

$20 -> $23

2025-08-04

New

Reason

Truist

Price Target

$20 -> $23

2025-08-04

New

maintain

Hold

Reason

Truist raised the firm's price target on SoFi Technologies to $23 from $20 and keeps a Hold rating on the shares. The firm cites the company's strong Q2 print, higher origination volumes, higher interchange revenues, and a better than previously expected incremental margin, the analyst tells investors in a research note.

Rothschild & Co Redburn

Harry Bartlett

Neutral

initiated

$20.50

2025-08-01

Reason

Rothschild & Co Redburn

Harry Bartlett

Price Target

$20.50

2025-08-01

initiated

Neutral

Reason

Rothschild & Co Redburn analyst Harry Bartlett initiated coverage of SoFi Technologies with a Neutral rating and $20.50 price target.

Barclays

Equal Weight

maintain

$18 -> $21

2025-07-30

Reason

Barclays

Price Target

$18 -> $21

2025-07-30

maintain

Equal Weight

Reason

Barclays raised the firm's price target on SoFi Technologies to $21 from $18 and keeps an Equal Weight rating on the shares. The company's Q2 results were ahead of expectations across all segments and management remains confident in its outlook and execution, the analyst tells investors in a research note.

Morgan Stanley

Underweight

maintain

$11 -> $13

2025-07-30

Reason

Morgan Stanley

Price Target

$11 -> $13

2025-07-30

maintain

Underweight

Reason

Morgan Stanley raised the firm's price target on SoFi Technologies to $13 from $11 and keeps an Underweight rating on the shares. The driver of the "strong" Q2 beat was the Loan Platform Business as volumes beat the firm's estimate by 35%, likely as SoFi started underwriting deeper to near-prime, the analyst tells investors. The topline reacceleration has been "impressive," but the firm looks for a fade in the second half and 2026, adding that it also now assumes the new $1.5B stock offering drives 7% dilution.

William Blair

Outperform

maintain

$30

2025-07-29

Reason

William Blair

Price Target

$30

2025-07-29

maintain

Outperform

Reason

William Blair recommends investors add to SoFi Technologies positions post the Q2 report despite the 7% rally in the premarket. The Street is only starting to appreciate the extent and speed of the company's "disruptive" digital banking offerings, the analyst tells investors in a research note. William Blair believes traditional banks will "rapidly" lose market share to SoFi as the company expands its savings, spending, lending, investing, and advice offerings. The firm's 2026 projections imply a roughly $30 share price, or over 30% upside from current levels. It keeps an Outperform rating on the name. The stock in premarket trading is up 9% to $22.93.

See All Ratings

Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 51.80, compared to its 5-year average forward P/E of 9.63. 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.

N/A

5Y Average PE

9.63

Current PE

51.80

Overvalued PE

75.74

Undervalued PE

-56.47

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.

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.

Fair

5Y Average PS

4.49

Current PS

6.78

Overvalued PS

7.66

Undervalued PS

1.32