SoFi Technologies (SOFI) Resumen de Acciones
SoFi Technologies, Inc. presta diversos servicios financieros en Estados Unidos, América Latina, Canadá y Hong Kong. Saber más
| Puntuación del snowflake | |
|---|---|
| Valoración | 0/6 |
| Crecimiento futuro | 4/6 |
| Rendimiento pasado | 1/6 |
| Salud financiera | 4/6 |
| Dividendos | 0/6 |
SOFI Community Fair Values
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Analyst Price Targets
Top Community Narratives
Competidores de SoFi Technologies, Inc.
Historial de precios y rendimiento
| Precios históricos de las acciones | |
|---|---|
| Precio actual de la acción | US$18.31 |
| Máximo en las últimas 52 semanas | US$32.73 |
| Mínimo de 52 semanas | US$14.88 |
| Beta | 2.2 |
| Cambio en 1 mes | 5.96% |
| Variación en 3 meses | 20.22% |
| Cambio de 1 año | -24.43% |
| Variación en 3 años | 120.87% |
| Variación en 5 años | 26.89% |
| Variación desde la OPV | 74.71% |
Noticias y actualizaciones recientes
Seeking Alpha • Aug 14
SoFi's Growth Looks Unstoppable, But One Weak Segment Keeps Me From A Strong Buy
Summary SoFi Technologies, Inc. is re-rated to Buy from Strong Buy, reflecting robust lending and financial services but persistent tech platform underperformance. Lending drives SOFI's growth, with Q2’26 loan originations up 69% YoY and risk-adjusted margins at 6.1%, far above industry averages. The Financial Services segment shows strong cross-selling and deposit growth, but margin compression due to rising operating expenses limits profitability leverage. The tech platform segment remains a key risk, with revenue down 23% YoY and low adoption, challenging SOFI's fintech narrative and diversification. Read the full article on Seeking Alpha
Actualización de narrativa • Aug 14
SOFI: Balance Sheet Strength And New Products Support Measured Long-Term Upside
Analysts have modestly reduced fair value for SoFi Technologies to about $19.92 per share, even as they lift official price targets. Truist moved to $19 and Needham to $24, citing stronger balance sheet growth, firmer origination volumes, and expectations for improving profitability metrics.
Actualización de narrativa • Jul 30
SOFI: Bank Charter And Business Banking Will Support Future Earnings Repricing
SoFi Technologies' updated analyst price target reflects a modest reduction, with fair value moving from $30.00 to about $29.32, as analysts factor in slightly higher discount rates, more measured revenue growth expectations, and marginally lower profit margin and future P/E assumptions following mixed reactions to recent research on loan growth and new product initiatives. Analyst Commentary Recent research on SoFi Technologies shows a mixed but constructive tone, with several bullish analysts highlighting areas where execution and product expansion could support the company’s valuation case over time.Recent updates
Seeking Alpha • Aug 14
SoFi's Growth Looks Unstoppable, But One Weak Segment Keeps Me From A Strong Buy
Summary SoFi Technologies, Inc. is re-rated to Buy from Strong Buy, reflecting robust lending and financial services but persistent tech platform underperformance. Lending drives SOFI's growth, with Q2’26 loan originations up 69% YoY and risk-adjusted margins at 6.1%, far above industry averages. The Financial Services segment shows strong cross-selling and deposit growth, but margin compression due to rising operating expenses limits profitability leverage. The tech platform segment remains a key risk, with revenue down 23% YoY and low adoption, challenging SOFI's fintech narrative and diversification. Read the full article on Seeking AlphaActualización de narrativa • Aug 14
SOFI: Balance Sheet Strength And New Products Support Measured Long-Term Upside
Analysts have modestly reduced fair value for SoFi Technologies to about $19.92 per share, even as they lift official price targets. Truist moved to $19 and Needham to $24, citing stronger balance sheet growth, firmer origination volumes, and expectations for improving profitability metrics.Actualización de narrativa • Jul 30
SOFI: Bank Charter And Business Banking Will Support Future Earnings Repricing
SoFi Technologies' updated analyst price target reflects a modest reduction, with fair value moving from $30.00 to about $29.32, as analysts factor in slightly higher discount rates, more measured revenue growth expectations, and marginally lower profit margin and future P/E assumptions following mixed reactions to recent research on loan growth and new product initiatives. Analyst Commentary Recent research on SoFi Technologies shows a mixed but constructive tone, with several bullish analysts highlighting areas where execution and product expansion could support the company’s valuation case over time.Actualización de narrativa • Jul 12
SOFI: Bank Charter And Business Banking Expansion Will Drive Future Earnings Reassessment
SoFi Technologies' revised analyst fair value moves modestly lower to $30.00, reflecting recent shifts in Street price targets that range from higher expectations at $21, driven by a more favorable consumer fintech backdrop, to more cautious views around product launches like small business loans, where analysts see only limited near term financial contribution. Analyst Commentary Recent commentary on SoFi Technologies shows a mix of optimism around the broader consumer fintech backdrop and caution around the timing of new product contributions, particularly small business lending.Artículo de análisis • Jun 20
SoFi Technologies (SOFI) Stock Could Be 28% Overvalued After Its SpaceX IPO Access Win
SoFi Technologies (SOFI) is back in focus after being named one of only five brokerages giving retail investors access to the SpaceX IPO, a high profile deal that spotlights its investing platform. See our latest analysis for SoFi Technologies. The recent SpaceX IPO allocation arrives during a sharp rebound in SoFi Technologies’ stock, with a 14.44% 1 month share price return and 116.30% 3 year total shareholder return, even after a year to date decline of 34.78%. If high profile deals like...Actualización de narrativa • Jun 14
SOFI: Capital-Light Loan Partnerships Will Drive Future Platform Maturity
Analysts have trimmed their average price target on SoFi Technologies to $21.00 from $26.75. This reflects more conservative assumptions for revenue growth, profit margins, and future P/E multiples after a recent wave of target reductions across the Street.
Actualización de narrativa • May 31
SOFI: Short Seller Allegations And Equity Issuance Will Pressure Elevated Multiple
SoFi Technologies' updated analyst price target has been reduced by $0.37 to $12.00, as analysts factor in slightly lower expectations for revenue growth and profit margins, partly offset by a higher assumed future P/E multiple and a modestly higher discount rate. Analyst Commentary Recent research on SoFi Technologies points to a clear shift toward more cautious views, with several bearish analysts trimming price targets and flagging risks around the company’s ability to deliver on growth and profitability expectations.Actualización de narrativa • May 14
SOFI: Stablecoin And Business Banking Expansion Will Drive Future Earnings Quality Reassessment
Analysts have reduced the SoFi Technologies fair value estimate from $37.63 to $31.00, reflecting updated assumptions for slightly lower revenue growth, more modest profit margins, a lower future P/E multiple, and a wave of recent price target cuts across Wall Street research. Analyst Commentary Recent Street research around SoFi Technologies has leaned heavily toward lower price targets, with multiple firms trimming their expectations by amounts ranging from US$1 to US$10.
Nueva narrativa • May 02
Why is SoFi a company of the future?
Sofi Technologies (SOFI) — investors.sofi.com — is rightfully considered one of the key contenders for a spot in the "portfolio of the future." In April 2026, the company is demonstrating a transition from a stage of aggressive growth to a stage of scalable profitability, making it a unique hybrid of a bank and a technology platform. Why is SoFi a company of the future?Actualización de narrativa • Apr 29
SOFI: Stablecoin Partnership Will Support Future Platform And Earnings Quality Reassessment
SoFi Technologies' updated analyst price target edges down by about $0.40 to roughly $37.63. This reflects analysts' recent shift toward slightly higher discount rates and marginally lower future P/E assumptions, even as revenue growth and profit margin inputs remain broadly similar.Actualización de narrativa • Apr 14
SOFI: Stablecoin And Big Business Banking Expansion Will Support Future Platform Profitability
SoFi Technologies' updated analyst price target reflects a modest reset, with recent cuts of $1 to $10 by several firms tied to questions around loan growth quality, stablecoin risks, and the impact of short seller scrutiny, even as some analysts highlight potential benefits from new partnerships and traction in Big Business Banking. Analyst Commentary Recent research shows a mix of caution and optimism around SoFi Technologies, with some firms trimming price targets while others point to potential upside tied to execution in key growth areas and new product initiatives.Actualización de narrativa • Mar 31
SOFI: Stablecoin Partnership Will Support Future Platform Profitability Despite Short Seller Pressure
Analysts have trimmed SoFi Technologies' average price target by single digits, typically by $0.50 to $7, as they balance concerns raised in recent short reports and target cuts with more supportive views around the bank's stablecoin partnership, prior upgrades, and the unchanged $38 fair value in this model. Analyst Commentary Street research on SoFi Technologies has been mixed, but there is a clear pocket of optimism where bulls are leaning into execution on growth initiatives, capital flexibility, and product expansion.Actualización de narrativa • Mar 17
SOFI: Stablecoin Partnership And Capital Raises Will Support Future Platform Profitability
Analysts kept their SoFi Technologies fair value estimate steady at $38.00, while slightly adjusting assumptions around the discount rate, revenue growth, profit margin, and future P/E to reflect a mix of cautious price target revisions and optimism around the SoFiUSD stablecoin partnership with MasterCard and recent upgrade activity. Analyst Commentary Recent Street research around SoFi Technologies reflects a mix of caution and optimism, with the SoFiUSD partnership and ongoing execution as key talking points.
Nueva narrativa • Mar 09
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.Actualización de narrativa • Mar 03
SOFI: Elevated Multiple Could Struggle To Absorb Recent Equity Issuance
Our updated SoFi Technologies narrative lifts fair value from $8.92 to $12.37, as analysts factor in a slightly lower discount rate, more moderate revenue growth of 15.54%, a higher projected profit margin of 23.47%, and a recalibrated future P/E of 18.66x following a mixed set of recent target changes and rating shifts across the Street. Analyst Commentary Street research on SoFi Technologies over the past few months reflects a mixed but engaged view from major firms.Actualización de narrativa • Feb 17
SOFI: Recent Capital Raises Will Support Future Platform And Lending Profitability
Analysts maintained their SoFi Technologies fair value target at $38.00 and updated their models to incorporate revised views on revenue growth, profitability, and future P/E. They cited a combination of recent upgrades, price target adjustments, and differing opinions on how SoFi's capital raises and loan growth outlook may affect the company.Nueva narrativa • Feb 14
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
Analyzing SoFi’s valuation requires looking at its transition from a high-growth fintech disruptor to a diversified, profitable financial powerhouse. Based on recent 2026 data and long-term analyst projections, here is a breakdown of where the business is headed.Artículo de análisis • Feb 13
SoFi Technologies, Inc.'s (NASDAQ:SOFI) Stock Retreats 29% But Earnings Haven't Escaped The Attention Of Investors
SoFi Technologies, Inc. ( NASDAQ:SOFI ) shareholders that were waiting for something to happen have been dealt a blow...Actualización de narrativa • Feb 03
SOFI: Fresh Capital Raises Will Shape Future Loan Platform Maturity
Analysts now peg their fair value estimate for SoFi Technologies at $26.75, down slightly from $27.15. This reflects lower Street price targets even as they factor in higher projected revenue growth, stronger profit margins, and a more conservative future P/E multiple.Actualización de narrativa • Jan 20
SOFI: Capital Raises And Capital Light Lending Will Drive Future Profitability
Narrative Update Analysts have modestly lifted their average price target on SoFi Technologies to US$28. The shift is supported by recent research that highlights stronger than expected Q3 results, ongoing capital raises to support growth, and mixed views on the stock's current valuation multiple.Actualización de narrativa • Jan 06
SOFI: Capital Light Loan Platform And Stablecoin Launch Will Drive Profitability
Analysts have nudged their average price targets on SoFi Technologies higher into a mid to high $20s range, citing stronger than expected Q3 results, faster scaling in the capital light loan platform business, and updated revenue and earnings assumptions that still factor in a potential slowdown against tougher comparisons. Analyst Commentary Street research on SoFi Technologies has turned more constructive overall, with several bullish analysts lifting their valuation frameworks following the latest Q3 report.Actualización de narrativa • Dec 30
SoFi Stock: When a Fintech Starts Behaving Like a Platform Bank
SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth, but balance-sheet ownership.Actualización de narrativa • Dec 20
SOFI: Capital Light Loan Platform Is Expected To Drive Higher Profitability
Analysts have lifted their fair value estimate for SoFi Technologies by $8.00 to $38.00 per share, citing stronger than expected Q3 results, accelerating growth and scalability in the capital light loan platform business, and improving long term profitability assumptions, despite some peers tempering outer year forecasts. Analyst Commentary Bullish analysts broadly view SoFi's latest quarter as a validation of its strategy, highlighting the combination of strong operating execution, scalable capital light businesses, and improving profitability that supports higher valuation levels.Actualización de narrativa • Dec 06
SOFI: Loan Platform Maturity And Easing Rates Will Shape Future Performance
The analyst-derived fair value estimate for SoFi Technologies has inched higher to approximately $27 from about $26.6, as analysts point to stronger-than-expected Q3 execution, improving key performance indicators, and a higher justified earnings multiple despite some moderation in longer-term growth assumptions. Analyst Commentary Street research on SoFi following the Q3 print is broadly constructive, but not uniformly so, resulting in a clustered set of targets in the high teens to high 30s and a mix of Buy, Neutral, and Underperform stances.Actualización de narrativa • Nov 22
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.Actualización de narrativa • Nov 07
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.Actualización de narrativa • Nov 04
SoFi’s Growth Engine Powers Ahead
SoFi Stock: Explosive Growth, Real Profits SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor — it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million , up 38% year-over-year , and adjusted net revenue of $950 million.Actualización de narrativa • Oct 24
Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward
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.Actualización de narrativa • Oct 10
Digital Transformation In Banking And AI Will Yield Mixed Results
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.Actualización de narrativa • Sep 26
Digital Transformation In Banking And AI Will Yield Mixed Results
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.Actualización de narrativa • Sep 11
Digital Transformation In Banking And AI Will Yield Mixed Results
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.Actualización de narrativa • Aug 27
Digital Transformation In Banking And AI Will Yield Mixed Results
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.Actualización de narrativa • Aug 06
Digital Transformation In Banking And AI Will Yield Mixed Results
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.Rentabilidad de los accionistas
| SOFI | US Consumer Finance | Mercado US | |
|---|---|---|---|
| 7D | 1.0% | 0.8% | 0.1% |
| 1Y | -24.4% | 5.0% | 18.9% |
Rentabilidad vs. Industria: Los resultados de SOFI fueron inferiores a los de la industria US Consumer Finance, que obtuvo un rendimiento del 5% el año pasado.
Rentabilidad vs. Mercado: SOFI obtuvo unos resultados inferiores a los del mercado US, que fueron del 18.9% el año pasado.
Volatilidad de los precios
| SOFI volatility | |
|---|---|
| SOFI Average Weekly Movement | 7.8% |
| Consumer Finance Industry Average Movement | 7.4% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Precio estable de las acciones: SOFI no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.
Volatilidad a lo largo del tiempo: La volatilidad semanal de SOFI (8%) se ha mantenido estable durante el año pasado.
Acerca de la empresa
| Fundada | Empleados | CEO | Página web |
|---|---|---|---|
| 2011 | 6,100 | Anthony Noto | www.sofi.com |
SoFi Technologies, Inc. presta diversos servicios financieros en Estados Unidos, Latinoamérica, Canadá y Hong Kong. La empresa opera a través de tres segmentos: Préstamos, Plataforma Tecnológica y Servicios Financieros. Ofrece servicios y productos financieros y de préstamo que permiten a sus miembros pedir prestado, ahorrar, gastar, invertir y proteger el dinero; así como préstamos personales, préstamos para estudiantes, préstamos hipotecarios y servicios relacionados.
Resumen de fundamentos de SoFi Technologies, Inc.
| Estadísticas fundamentales de SOFI | |
|---|---|
| Capitalización bursátil | US$23.62b |
| Beneficios(TTM) | US$636.26m |
| Ingresos (TTM) | US$4.27b |
37.2x
Ratio precio-beneficio (PE)5.5x
Ratio precio-ventas (PS)¿Está SOFI sobrevalorada?
Ver valor justo y análisis de valoraciónBeneficios e Ingresos
| Cuenta de resultados (TTM) de SOFI | |
|---|---|
| Ingresos | US$4.27b |
| Coste de los ingresos | US$694.30m |
| Beneficio bruto | US$3.57b |
| Otros gastos | US$2.94b |
| Beneficios | US$636.26m |
Últimos beneficios comunicados
Jun 30, 2026
Próxima fecha de beneficios
n/a
| Beneficios por acción (BPA) | 0.49 |
| Margen bruto | 83.73% |
| Margen de beneficio neto | 14.91% |
| Ratio deuda/patrimonio | 29.9% |
¿Cómo se ha desempeñado SOFI a largo plazo?
Ver rendimiento histórico y comparativaAnálisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/08/17 08:02 |
| Precio de las acciones al final del día | 2026/08/17 00:00 |
| Beneficios | 2026/06/30 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
|
|
| Precios de mercado | 30 años |
| |
| Propiedad | 10 años |
| |
| Gestión | 10 años |
| |
| Principales avances | 10 años |
|
* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
SoFi Technologies, Inc. está cubierta por 29 analistas. 19 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |