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SOFI Stock Forecast 2026-2027
$17.76
Current Price
$22.65B
Market Cap
Buy 8
Hold 10
Sell 4
Wall St Analyst Ratings
Distance to SOFI Price Targets
+114.0%
To High Target of $38.00
+46.4%
To Median Target of $26.00
-32.4%
To Low Target of $12.00
SOFI Price Momentum
-6.0%
1 Week Change
-9.4%
1 Month Change
+46.9%
1 Year Change
-32.2%
Year-to-Date Change
-45.7%
From 52W High of $32.73
+106.5%
From 52W Low of $8.60
📊 TOP ANALYST CALLS
Did SOFI Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if SoFi is one of their latest high-conviction picks.
Latest SOFI Stock Price Targets & Analyst Predictions
Based on our analysis of 31 Wall Street analysts, SOFI has a neutral consensus with a median price target of $26.00 (ranging from $12.00 to $38.00). The overall analyst rating is Buy (6.6/10). Currently trading at $17.76, the median forecast implies a 46.4% upside. This outlook is supported by 8 Buy, 10 Hold, and 4 Sell ratings.
Conversely, the most conservative target is provided by Terry Ma at Barclays, suggesting a 32.4% downside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
SOFI Analyst Ratings
8
Buy
10
Hold
4
Sell
SOFI Price Target Range
Low
$12.00
Average
$26.00
High
$38.00
Current: $17.76
Latest SOFI Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for SOFI.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Feb 18, 2026 | Truist Securities | Matthew Coad | Hold | Maintains | $21.00 |
| Feb 9, 2026 | Citizens | Devin Ryan | Market Outperform | Upgrade | $30.00 |
| Feb 3, 2026 | JP Morgan | Reginald Smith | Overweight | Upgrade | $31.00 |
| Feb 2, 2026 | Needham | Kyle Peterson | Buy | Maintains | $33.00 |
| Jan 6, 2026 | Goldman Sachs | Michael Ng | Neutral | Maintains | $24.00 |
| Jan 6, 2026 | Barclays | Terry Ma | Equal-Weight | Maintains | $28.00 |
| Nov 25, 2025 | Truist Securities | Matthew Coad | Hold | Maintains | $28.00 |
| Nov 4, 2025 | Truist Securities | Matthew Coad | Hold | Maintains | $31.00 |
| Oct 30, 2025 | UBS | Tim Chiodo | Neutral | Maintains | $27.50 |
| Oct 29, 2025 | Keefe, Bruyette & Woods | Timothy Switzer | Underperform | Maintains | $20.00 |
| Oct 29, 2025 | Citigroup | Peter Christiansen | Buy | Maintains | $37.00 |
| Oct 29, 2025 | BTIG | Vincent Caintic | Neutral | Reiterates | $N/A |
| Oct 29, 2025 | Goldman Sachs | Michael Ng | Neutral | Maintains | $27.00 |
| Oct 29, 2025 | JP Morgan | Reginald Smith | Neutral | Maintains | $28.00 |
| Oct 29, 2025 | Barclays | Terry Ma | Equal-Weight | Maintains | $23.00 |
| Oct 29, 2025 | Needham | Kyle Peterson | Buy | Maintains | $36.00 |
| Oct 24, 2025 | Truist Securities | Matthew Coad | Hold | Maintains | $29.00 |
| Oct 24, 2025 | JP Morgan | Reginald Smith | Neutral | Maintains | $26.00 |
| Oct 15, 2025 | Keefe, Bruyette & Woods | Timothy Switzer | Underperform | Maintains | $18.00 |
| Oct 13, 2025 | Goldman Sachs | Michael Ng | Neutral | Maintains | $24.00 |
SoFi Technologies, Inc. (SOFI) Competitors
The following stocks are similar to SoFi based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
SoFi Technologies, Inc. (SOFI) Financial Data
SoFi Technologies, Inc. has a market capitalization of $22.65B with a P/E ratio of 45.4x. The company generates $3.58B in trailing twelve-month revenue with a 13.4% profit margin.
Revenue growth is +40.2% quarter-over-quarter, while maintaining an operating margin of +18.2% and return on equity of +5.7%.
Valuation Metrics
Market Cap
$22.65B
Enterprise Value
$19.51B
P/E Ratio
45.4x
PEG Ratio
-0.8x
Price/Sales
6.3x
Growth & Margins
Revenue Growth (YoY)
+40.2%
Gross Margin
N/A
Operating Margin
+18.2%
Net Margin
+13.4%
EPS Growth
-47.8%
Financial Health
Cash/Price Ratio
+22.1%
Current Ratio
1.2x
Debt/Equity
18.5x
ROE
+5.7%
ROA
+1.1%
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SoFi Technologies, Inc. (SOFI) Business Model
About SoFi Technologies, Inc.
What They Do
Provides a comprehensive suite of digital financial services.
Business Model
The company operates as a nationally chartered online bank, generating revenue through multiple segments: Lending, Technology Platform, and Financial Services. It offers a range of loans with competitive interest rates, technology solutions for financial institutions, and a variety of financial products including savings accounts, investment options, and insurance, all accessible through its user-friendly app.
Additional Information
Founded in 2011 and headquartered in San Francisco, SoFi Technologies, Inc. serves clients across the United States and internationally, emphasizing a member-centric ecosystem that includes tools for personal finance management and employee benefits. Its innovative solutions aim to enhance financial independence for its users.
Company Information
Sector
Financial Services
Industry
Credit Services
Employees
6,100
CEO
Mr. Anthony J. Noto
Country
United States
IPO Year
2020
Website
www.sofi.comSoFi Technologies, Inc. (SOFI) Latest News & Analysis
Featured Analysis
Powered by
Zacks Investment Research
Nu Holdings Turns Expanding Customer Base Into Profitable Growth
NU grows to 131M customers as Q4 revenues jump 57% and profit rises 70%, showing how its expanding fintech platform is turning scale into strong profitability.
Mar 13, 2026
By Zacks Equity Research
Analyst Blog
These Beaten Down Finance Stocks Should Stay on Your Radar
While both Robinhood and SoFi have been beaten down from all-time highs, both platforms are still seeing strong growth momentum, with EPS revisions for their current and next fiscal years remaining positive.
Mar 12, 2026
By Derek Lewis
Investment Ideas
SOFI's 2026 Outlook Indicates Stronger Margins to Support Growth
SoFi Technologies' 2026 outlook highlights not only growth but also improving profitability as the company scales its operations.
Mar 12, 2026
By Zacks Equity Research
Analyst Blog
Latest News
Quick Summary
SoFi announced a monthly distribution of $0.1279 per share for the SoFi Enhanced Yield ETF (THTA), with a distribution rate of 10.00% and a 30-day SEC yield of 3.05%. Ex-date is March 16, 2026.
Why It Matters
SoFi's announcement of a 10% distribution rate for THTA signals strong yield potential, attracting income-focused investors and impacting ETF market dynamics.
Source: GlobeNewsWire
Market Sentiment:
Neutral
SoFi Technologies, Inc. (SOFI) Advances While Market Declines: Some Information for Investors
3 days ago
Quick Summary
SoFi Technologies, Inc. (SOFI) closed at $18.53, up 1.31% from the previous trading day.
Why It Matters
SoFi's stock increase signals positive market sentiment and potential growth, influencing investor confidence and future trading decisions.
Source: Zacks Investment Research
Market Sentiment:
Neutral
Quick Summary
SoFi Technologies has experienced significant growth over the past year, driven by strong revenue and EPS expectations, increased digital banking demand, and Galileo adoption.
Why It Matters
SoFi's revenue and earnings growth, driven by digital banking and Galileo adoption, signals strong future performance, making it an attractive investment opportunity.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
SoFi Technologies projects growth and improving profitability by 2026 as it scales operations.
Why It Matters
SoFi Technologies' positive 2026 outlook suggests potential revenue growth and enhanced profitability, indicating a stronger financial position, which can attract investor interest and boost stock performance.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
SoFi demonstrates strong earnings potential, while Nu expands into the U.S. following success in Latin America, presenting attractive investment opportunities in fintech.
Why It Matters
SoFi's strong earnings highlight its successful business model, while Nu's U.S. expansion signals growth potential, making both stocks attractive options in the competitive fintech sector.
Source: The Motley Fool
Market Sentiment:
Positive
Quick Summary
SoFi Technologies Inc. (NASDAQ: SOFI) has seen a notable increase in its momentum score, rising from 39.06 to 63.72 this week, attracting significant market interest.
Why It Matters
SoFi's rising momentum score indicates increased investor interest and potential stock price appreciation, signaling a favorable trend for current and prospective shareholders.
Source: Benzinga
Market Sentiment:
Positive
Frequently Asked Questions About SOFI Stock
What is SoFi Technologies, Inc.'s (SOFI) stock forecast for 2026?
Based on our analysis of 31 Wall Street analysts, SoFi Technologies, Inc. (SOFI) has a median price target of $26.00. The highest price target is $38.00 and the lowest is $12.00.
Is SOFI stock a good investment in 2026?
According to current analyst ratings, SOFI has 8 Buy ratings, 10 Hold ratings, and 4 Sell ratings. The stock is currently trading at $17.76. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for SOFI stock?
Wall Street analysts predict SOFI stock could reach $26.00 in the next 12 months. This represents a 46.4% increase from the current price of $17.76. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is SoFi Technologies, Inc.'s business model?
The company operates as a nationally chartered online bank, generating revenue through multiple segments: Lending, Technology Platform, and Financial Services. It offers a range of loans with competitive interest rates, technology solutions for financial institutions, and a variety of financial products including savings accounts, investment options, and insurance, all accessible through its user-friendly app.
What is the highest forecasted price for SOFI SoFi Technologies, Inc.?
The highest price target for SOFI is $38.00 from at , which represents a 114.0% increase from the current price of $17.76.
What is the lowest forecasted price for SOFI SoFi Technologies, Inc.?
The lowest price target for SOFI is $12.00 from Terry Ma at Barclays, which represents a -32.4% decrease from the current price of $17.76.
What is the overall SOFI consensus from analysts for SoFi Technologies, Inc.?
The overall analyst consensus for SOFI is neutral. Out of 31 Wall Street analysts, 8 rate it as Buy, 10 as Hold, and 4 as Sell, with a median price target of $26.00.
How accurate are SOFI stock price projections?
Stock price projections, including those for SoFi Technologies, Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: March 15, 2026 8:16 AM UTC