SoFi Technologies

Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

02 Feb 25

Updated

22 Nov 25

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

82.8%

7D

2.5%

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1Y

82.8%

7D

2.5%

You can edit this narrative until Nov 23 11:10 AM. Then, changes will post as Updates.

Author's Valuation

US$26.619.1% overvalued

AnalystConsensusTarget Fair Value

Shared on 22 Nov 25

Fair value Increased 2.24%

SOFI: Lending Platform Expansion And Interest Rate Trends Will Guide Balanced Performance

Analysts have increased their price target for SoFi Technologies from $26.03 to $26.61. They cite improved loan platform scalability, robust quarterly results, and a slightly lower discount rate that supports a higher valuation.

Shared on 07 Nov 25

Fair value Increased 14%

SOFI: Lending Momentum And Platform Expansion Will Support Balanced Long-Term Performance

Analysts have raised their price target for SoFi Technologies from approximately $22.81 to $26.03. They cite stronger profit margins and continued momentum in the company’s lending and platform businesses as key drivers for their more positive outlook.

Shared on 24 Oct 25

Fair value Increased 3.27%

Analysts have raised their fair value estimate for SoFi Technologies from $22.08 to $22.81. This change reflects upward revisions based on expectations of stronger profit margins, modestly higher revenue growth, and improved sector sentiment as a result of lower interest rates and resilient credit performance.

Shared on 10 Oct 25

Fair value Increased 3.79%

SoFi Technologies’ fair value estimate has increased from $21.28 to $22.08, as analysts point to improved credit performance, rising growth projections, and an enhanced outlook in light of the sector’s favorable interest rate trends. Analyst Commentary Recent research notes continue to reflect a dynamic outlook for SoFi Technologies, with both bullish and cautious perspectives influencing fair value estimates and market sentiment.

Shared on 26 Sep 25

Fair value Increased 1.32%

Analysts have modestly raised SoFi’s price target to $21.28, citing anticipated interest rate cuts, improved digital lending trends, and upcoming product launches—though some caution remains on valuation relative to fundamentals. Analyst Commentary Bullish analysts are increasing price targets due to anticipated interest rate cuts, which are expected to benefit bank processors, lenders, and exchanges, notably improving SoFi's forward outlook and justifying higher valuation multiples.

Shared on 11 Sep 25

Fair value Increased 1.07%

Analysts raised SoFi Technologies’ price target to $21.00, citing improved digital lending conditions, new revenue streams from crypto and student lending, and a stronger balance sheet, although some warn current valuation may be stretched. Analyst Commentary Improved funding availability and lower costs in digital lending markets are expected to drive stronger lending growth, with potential for additional upside if interest rate cuts occur.

Shared on 27 Aug 25

Fair value Increased 3.31%

Analysts have raised SoFi Technologies' price target to $20.78, citing optimism about new revenue streams from product diversification, improved sector trends, and a stronger balance sheet, though some caution that the stock may be fairly valued following its recent rally. Analyst Commentary Product diversification, particularly expanding into a crypto trading platform and student lending following new legislation, is seen as a key growth driver and revenue catalyst.

Shared on 06 Aug 25

Fair value Increased 15%

SoFi Technologies' consensus price target has increased, primarily reflecting improved net profit margins, although a higher discount rate partially offsets this, resulting in a new analyst price target of $20.11. What's in the News SoFi completed a $1.5 billion follow-on equity offering of common stock at $20.85 per share, with Citigroup and Mizuho added as co-lead underwriters.

Shared on 29 Jul 25

Fair value Increased 28%

The substantial increase in SoFi Technologies’ future P/E ratio despite a declining net profit margin suggests heightened growth expectations, leading analysts to raise the consensus price target from $13.70 to $17.09. What's in the News SoFi partnered with Paychex to offer SoFi at Work financial wellness solutions through Paychex Flex Perks, expanding employee access to personal loans, student loan services, and financial guidance.

Shared on 01 May 25

Fair value Decreased 5.17%

AnalystConsensusTarget has increased shares outstanding growth rate from 0.0% to 0.0%.

AnalystConsensusTarget Fair Value

US$26.61

9.1% overvalued

Future estimation in

% p.a.

0

Decrease

Increase

Current revenue growth rate

17.00%

Consumer Finance revenue growth rate

0.71%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

8.00%

Calculation

US$1.11b

Earnings '28

x

44.76x

PE Ratio '28

=

US$49.47b

Market Cap '28

US$49.47b

Market Cap '28

/

1.48b

No. shares '28

=

US$33.49

Share Price '28

US$33.49 Share Price '28

Discounted to 2025 @ 7.97% p.a.

=

US$26.61

Fair Value '25