SOFIFinancial Services · Credit ServicesThe 26 Wall Street analysts covering SoFi Technologies, Inc. hold a median 12-month price target of $19 — +9.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 35 of 100 as at 12 Sept 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
Quality (72): The business earns solid, repeatable profits on what it owns.
Accruals (11): 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 +9.6% from it.
Of the 20 most recent actions, 3 moved their price target up and 4 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 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 | — |
| 12 Aug 2026 | Truist Securities | Maintains | Hold | $18 → $19 |
| 31 July 2026 | Mizuho | Maintains | Outperform | — |
| 31 July 2026 | Mizuho | Maintains | Outperform | $29 → $22 |
| 30 July 2026 | Morgan Stanley | Maintains | Underweight | $16 → $15 |
| 30 July 2026 | Morgan Stanley | Maintains | Underweight | — |
| 30 July 2026 | Needham | Maintains | Buy | $25 → $24 |
| 30 July 2026 | Needham | Maintains | Buy | — |
| 30 July 2026 | Wells Fargo | Maintains | Equal-Weight | $18 → $17 |
| 30 July 2026 | Wells Fargo | Maintains | Equal-Weight | — |
| 24 July 2026 | Truist Securities | Maintains | Hold | — |
| 24 July 2026 | Truist Securities | Maintains | Hold | $17 → $18 |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | $17 → $21 |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | — |
| 12 May 2026 | Truist Securities | Maintains | Hold | — |
| 4 May 2026 | Citigroup | Maintains | Buy | — |
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 11 Sept 2026, SoFi Technologies, Inc. returned −33.2% against +17.5% for the S&P 500, dividends included.
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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 21% of US stocks
Cheaper than 24% of US stocks
Cheaper than 45% 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
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 $22.4B and an enterprise value of $22.4B.
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: 35.3×; forward P/E: 20.9× — the forward figure prices analyst consensus estimates, not reported 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 added more than 1 million customers in the second quarter and is on track to achieve its high cross-buy goal. Its lending segment showed momentum with record originations during the quarter.
Why it matters — A SOFI watcher would care because strong customer growth and record lending originations highlight continued business momentum.
The Motley Fool reports that SoFi shares, along with other fintech stocks, remain in a slump, down over 31% year to date. Macro worries, mixed results, and other lingering concerns continue to weigh on the stock.
Why it matters — SoFi watchers would care because the article highlights the ongoing pressures on the stock's performance, including macroeconomic worries and mixed financial results that are keeping shares depressed.
The article discusses SoFi Technologies' emerging competitive advantages, including its bank charter and external infrastructure validation via Payward, which connects Kraken institutional customers with 24/7 dollar settlement. It also notes SoFi sold or transferred $4.1 billion of Q2 loans, with personal-loan execution reaching 106.5% of principal value.
Why it matters — SOFI watchers would care because the piece examines both SoFi's bank-charter moat and the risk that competitors like Chime are closing the gap.
Seeking Alpha reports that SoFi Technologies is experiencing strong adoption and cross-selling across its vertically integrated fintech/neobank capabilities, aided by its paid SoFi Plus subscription platform. The company has delivered consecutive Rule of 40% performance (revenue growth/EBITDA margin) and grew tangible book value per share to $7.34, up 56% year-over-year, while consolidation has resulted in a more attractive entry point at a 3-year PEG ratio of 0.76x.
Why it matters — SOFI watchers would care because the article highlights the company's profitable growth trajectory, subscription-driven cross-selling, and improving valuation metrics.
Zacks compares SoFi and Nu as the two digital banking stocks take increasingly different growth paths, shaped by scale, cross-selling, AI, and diversification in their business models.
Why it matters — A SOFI watcher would care because the comparison highlights how SoFi's strategy and growth trajectory stack up against a key digital banking competitor.
The 26 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 26 analysts covering SoFi Technologies, Inc., 9 rate it a Buy, 13 a Hold and 4 a Sell. Ticker Nerd's systematic factor model ranks SoFi Technologies, Inc. 35 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.
As at 12 Sept 2026, SoFi Technologies, Inc. ranks 35 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 Quality (72 of 100).
No one can know that. What the data says: the median 12-month target from 26 analysts implies +9.6% from the last close, and Ticker Nerd's factor model ranks SoFi Technologies, Inc. 35 out of 100 as at 12 Sept 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 -33.2% over the 12 months to 11 Sept 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 (The Motley Fool, 12 Sept 2026): "Down 30% This Year, Is It Finally Time to Buy SoFi Stock?". SoFi added more than 1 million customers in the second quarter and is on track to achieve its high cross-buy goal. Its lending segment showed momentum with record originations during the quarter.
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
