Missed NVDA?
Don’t Miss the Next One.
Join 5,000+ investors using Ticker Nerd’s Market Radar to stay ahead of major market moves, analyst upgrades, and trending opportunities — for free.
SOFI Stock Forecast 2025-2026
$27.78
Current Price
$33.50B
Market Cap
Buy 6
Hold 11
Sell 4
Wall St Analyst Ratings
Distance to SOFI Price Targets
+36.8%
To High Target of $38.00
-1.0%
To Median Target of $27.50
-56.8%
To Low Target of $12.00
SOFI Price Momentum
-6.5%
1 Week Change
-1.5%
1 Month Change
+73.4%
1 Year Change
+80.4%
Year-to-Date Change
-15.1%
From 52W High of $32.73
+223.0%
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 $27.50 (ranging from $12.00 to $38.00). The overall analyst rating is Buy (6.5/10). Currently trading at $27.78, the median forecast implies a -1.0% downside. This outlook is supported by 6 Buy, 11 Hold, and 4 Sell ratings.
Conversely, the most conservative target is provided by Terry Ma at Barclays, suggesting a 56.8% 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
6
Buy
11
Hold
4
Sell
SOFI Price Target Range
Low
$12.00
Average
$27.50
High
$38.00
Current: $27.78
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 |
|---|---|---|---|---|---|
| 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 | BTIG | Vincent Caintic | Neutral | Reiterates | $N/A |
| Oct 29, 2025 | Barclays | Terry Ma | Equal-Weight | Maintains | $23.00 |
| Oct 29, 2025 | Keefe, Bruyette & Woods | Timothy Switzer | Underperform | Maintains | $20.00 |
| Oct 29, 2025 | JP Morgan | Reginald Smith | Neutral | Maintains | $28.00 |
| Oct 29, 2025 | Goldman Sachs | Michael Ng | Neutral | Maintains | $27.00 |
| Oct 29, 2025 | Citigroup | Peter Christiansen | Buy | Maintains | $37.00 |
| 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 |
| Sep 29, 2025 | Morgan Stanley | Jeffrey Adelson | Underweight | Maintains | $18.00 |
| Sep 18, 2025 | Mizuho | Dan Dolev | Outperform | Maintains | $31.00 |
| Sep 10, 2025 | Needham | Kyle Peterson | Buy | Maintains | $29.00 |
| Aug 20, 2025 | JP Morgan | Reginald Smith | Neutral | Maintains | $24.00 |
| Aug 20, 2025 | Citigroup | Ashwin Shirvaikar | Buy | Maintains | $28.00 |
| Aug 5, 2025 | Keefe, Bruyette & Woods | Timothy Switzer | Underperform | Maintains | $14.00 |
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 $33.50B with a P/E ratio of 49.3x. The company generates $3.29B in trailing twelve-month revenue with a 19.5% profit margin.
Revenue growth is +37.8% quarter-over-quarter, while maintaining an operating margin of +15.6% and return on equity of +8.6%.
Valuation Metrics
Market Cap
$33.50B
Enterprise Value
$35.24B
P/E Ratio
49.3x
PEG Ratio
0.5x
Price/Sales
10.1x
Growth & Margins
Revenue Growth (YoY)
+37.8%
Gross Margin
N/A
Operating Margin
+15.6%
Net Margin
+19.5%
EPS Growth
+129.5%
Financial Health
Cash/Price Ratio
+9.8%
Current Ratio
1.2x
Debt/Equity
32.0x
ROE
+8.6%
ROA
+1.6%
💡 SKIP THE NOISE
97% of Analyst Ratings Go Nowhere
We filter thousands of calls to find the few that actually matter. Get the top analyst buy ratings — tracked and updated every Monday and Thursday.
SoFi Technologies, Inc. (SOFI) Business Model
About SoFi Technologies, Inc.
What They Do
Offers a suite of financial products and services.
Business Model
SoFi Technologies operates a digital platform providing various financial products, including lending services, investing tools, and digital banking. The company generates revenue through interest on loans, fees for financial services, and a percentage of investment earnings.
Additional Information
Founded in 2011 and based in San Francisco, SoFi targets a younger demographic, emphasizing modern, mobile-first solutions. The company aims to disrupt traditional finance by enhancing accessibility and efficiency in financial transactions.
Company Information
Sector
Financial Services
Industry
Credit Services
Employees
5,000
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
Why Revenue Durability Now Matters Most for Nu Holdings' Investors
NU's rising revenue durability and deeper multi-product monetization are reshaping its growth story and supporting steadier performance.
Dec 05, 2025
By Shuvra Shankar Dey
Analyst Blog
SoFi Technologies, Inc. (SOFI) Rises Higher Than Market: Key Facts
SoFi Technologies, Inc. (SOFI) reached $29.6 at the closing of the latest trading day, reflecting a +1.82% change compared to its last close.
Dec 04, 2025
By Zacks Equity Research
Tale of the Tape
SoFi's Blockchain Remittance Push Signals New Growth Phase
SOFI's blockchain push aims to speed up cross-border transfers, cut fees and deepen user engagement across its growing financial ecosystem.
Dec 04, 2025
By Zacks Equity Research
Analyst Blog
Latest News
Quick Summary
SoFi is experiencing record user growth, with each new customer potentially contributing to long-term revenue as they engage with additional services.
Why It Matters
SoFi's growing user base signals potential revenue growth and long-term profitability, enhancing its market position and attractiveness to investors.
Source: The Motley Fool
Market Sentiment:
Positive
SoFi Technologies, Inc. (SOFI) Presents at UBS Global Technology and AI Conference 2025 Transcript
3 days ago
Quick Summary
SoFi Technologies, Inc. (SOFI) presented at the UBS Global Technology and AI Conference 2025, sharing insights relevant to investors in the tech and AI sectors.
Why It Matters
SoFi's participation in the UBS Global Technology and AI Conference indicates its engagement with key trends, potentially influencing investor sentiment and stock performance.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
SoFi has reduced its reliance on consumer lending by expanding into banking, investing, and crypto trading, signaling potential growth opportunities for investors.
Why It Matters
SoFi's diversification into banking, investing, and crypto reduces risk and enhances growth potential, making it a more attractive investment opportunity.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
SoFi Technologies (SOFI) is currently attracting significant attention from Zacks.com users, indicating potential investor interest and market activity surrounding the stock.
Why It Matters
Increased interest from Zacks.com users may indicate growing market sentiment and potential volatility for SoFi Technologies (SOFI), affecting its stock performance and investment strategies.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
SoFi Technologies may lead future banking models, while Summit Therapeutics is developing a drug with significant sales potential.
Why It Matters
SoFi's potential dominance in banking signals a shift in financial services, affecting market competition. Summit's promising drug could lead to significant revenue, impacting biotech valuations.
Source: The Motley Fool
Market Sentiment:
Positive
Quick Summary
XP Inc. (XP) and SoFi Technologies, Inc. (SOFI) are two Financial - Miscellaneous Services stocks being evaluated for their appeal to value investors.
Why It Matters
The comparison between XP Inc. and SoFi Technologies highlights potential investment opportunities, influencing stock selection and valuation strategies among investors in the financial sector.
Source: Zacks Investment Research
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 $27.50. 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 6 Buy ratings, 11 Hold ratings, and 4 Sell ratings. The stock is currently trading at $27.78. 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 $27.50 in the next 12 months. This represents a -1.0% decrease from the current price of $27.78. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is SoFi Technologies, Inc.'s business model?
SoFi Technologies operates a digital platform providing various financial products, including lending services, investing tools, and digital banking. The company generates revenue through interest on loans, fees for financial services, and a percentage of investment earnings.
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 36.8% increase from the current price of $27.78.
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 -56.8% decrease from the current price of $27.78.
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, 6 rate it as Buy, 11 as Hold, and 4 as Sell, with a median price target of $27.50.
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: December 7, 2025 3:42 AM UTC