SOFIFinancial Services · Credit ServicesThe 25 Wall Street analysts covering SoFi Technologies, Inc. hold a median 12-month price target of $19 — +20.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 32 of 100 as at 6 Oct 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores SoFi Technologies, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Growth (72): Sales and profits are climbing, and climbing faster than before.
Accruals (12): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Size (10): Larger than most of the companies we track — more scrutinised, less often mispriced.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on SOFI, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +20.6% from it.
Of the 20 most recent actions, 3 moved their price target up and 5 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 6 Oct 2026 | TD Cowen | Maintains | Hold | $18 → $18 |
| 9 Sept 2026 | Loop Capital | Initiates | Hold | $22 |
| 2 Sept 2026 | Scotiabank | Initiates | Sector Outperform | $25 |
| 17 Aug 2026 | Piper Sandler | Initiates | Overweight | — |
| 17 Aug 2026 | Piper Sandler | Initiates | Overweight | $22 |
| 12 Aug 2026 | Truist Securities | Maintains | Hold | $18 → $19 |
| 12 Aug 2026 | Truist Securities | Maintains | Hold | — |
| 31 July 2026 | Mizuho | Maintains | Outperform | — |
| 31 July 2026 | Mizuho | Maintains | Outperform | $29 → $22 |
| 30 July 2026 | Morgan Stanley | Maintains | Underweight | — |
| 30 July 2026 | Morgan Stanley | Maintains | Underweight | $16 → $15 |
| 30 July 2026 | Needham | Maintains | Buy | $25 → $24 |
| 30 July 2026 | Needham | Maintains | Buy | — |
| 30 July 2026 | Wells Fargo | Maintains | Equal-Weight | — |
| 30 July 2026 | Wells Fargo | Maintains | Equal-Weight | $18 → $17 |
| 24 July 2026 | Truist Securities | Maintains | Hold | $17 → $18 |
| 24 July 2026 | Truist Securities | Maintains | Hold | — |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | $17 → $21 |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | — |
| 12 May 2026 | Truist Securities | Maintains | Hold | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. SOFI appears on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 6 Oct 2026, SoFi Technologies, Inc. returned −40.2% against +17.3% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 24% of US stocks
Cheaper than 26% of US stocks
Cheaper than 47% of US stocks
Higher than 84% of US stocks
Higher than 78% of US stocks
Higher than 75% of US stocks
Higher than 77% of US stocks
Higher than 57% of US stocks
Higher than 52% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
SoFi Technologies, Inc. has a market value of $20.4B and an enterprise value of $20.6B.
Revenue in the twelve months to 30 June 2026: $4.3B. The latest quarter grew 42.6% year on year.
Net income over the same four quarters: $636.3M, a 14.8% net margin.
Diluted earnings per share, trailing twelve months: $0.48.
Free cash flow in the twelve months to 30 June 2026: −$8.8B, after $6.8M of capital spending.
Trailing P/E: 32.2×; forward P/E: 19.1× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
SoFi Technologies, Inc. employs 6,100 people — $706K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own SoFi Technologies, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
SoFi Technologies closed at $15.76, down 1.01% from the preceding trading day, while the market gained.
Why it matters — The trading-day move provides SOFI watchers with a snapshot of the stock’s performance relative to the broader market.
The article says SoFi has been one of 2026’s toughest stocks to own, with shares at $15.97, down 39% year-to-date and below the 52-week high of $32.73.
Why it matters — The excerpt highlights recent share-price weakness that may be relevant to investors following SOFI.
A first-round upset in Brazil's presidential election drove Latin American assets higher, lifting Nu Holdings stock by 12% to $15. In contrast, U.S. fintech peers saw more modest moves, with Robinhood edging higher while SoFi remained unchanged.
Why it matters — The report highlights that a Brazilian election-driven rally benefited a Latin American digital bank far more than U.S. fintechs, with SoFi unmoved by the event.
SoFi's stock fell 12% in September. The company added 1.1 million new customers in the second quarter, a 35% year-over-year increase, and its lending and financial services segments are growing quickly with profits following suit.
Why it matters — SoFi watchers would care because the stock's September decline comes despite strong customer growth and expanding profitability in its lending and financial services segments.
Nu Holdings, the Brazilian digital bank behind Nubank, rose 3% after ruling out an acquisition of Monzo, settling a question that had been hanging over the company. SoFi and Robinhood did not participate in the rally.
Why it matters — SoFi watchers would care because the resolution of Nu's acquisition speculation and the resulting move in Nu's stock could influence sentiment and competitive dynamics among digital-banking peers like SoFi.
The 25 Wall Street analysts covering SoFi Technologies, Inc. have a median 12-month price target of $19, with estimates ranging from $12 to $30. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 25 analysts covering SoFi Technologies, Inc., 9 rate it a Buy, 12 a Hold and 4 a Sell. Ticker Nerd's systematic factor model ranks SoFi Technologies, Inc. 32 out of 100 across roughly 4,600 US stocks as at 6 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 6 Oct 2026, SoFi Technologies, Inc. ranks 32 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (72 of 100).
No one can know that. What the data says: the median 12-month target from 25 analysts implies +20.6% from the last close, and Ticker Nerd's factor model ranks SoFi Technologies, Inc. 32 out of 100 as at 6 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering SoFi Technologies, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for SOFI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $12 to $30 over the next 12 months.
SoFi Technologies, Inc. returned -40.2% over the 12 months to 6 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
SoFi Technologies, Inc. is a financial services company that provides a broad digital platform for borrowing, saving, spending, investing, and protecting money.
The most recent item we track (Zacks Investment Research, 6 Oct 2026): "SoFi Technologies, Inc. (SOFI) Stock Sinks As Market Gains: Here's Why". SoFi Technologies closed at $15.76, down 1.01% from the preceding trading day, while the market gained.
SoFi Technologies, Inc. is a financial services company that provides a broad digital platform for borrowing, saving, spending, investing, and protecting money. Its main offerings include personal loans, student loan refinancing, home loans, checking and savings accounts, credit cards, investing tools, insurance-related services, and personal finance management features. The company also operates a technology platform that supports banking and financial infrastructure services for other businesses. SoFi Technologies, Inc. serves consumers through mobile and online channels with an integrated product suite designed to consolidate everyday financial needs in one place. Headquartered in San Francisco, California, and founded in 2011, SoFi Technologies, Inc. plays a notable role in the fintech sector by combining consumer finance, digital banking, investing, and technology-enabled financial services under one brand.
CEO Mr. Anthony J. Noto · 6,100 employees · United States · https://www.sofi.com
