SoFi Technologies (SOFI) Aperçu de l'action
SoFi Technologies, Inc. fournit divers services financiers aux États-Unis, en Amérique latine, au Canada et à Hong Kong. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 0/6 |
| Croissance future | 4/6 |
| Performances passées | 1/6 |
| Santé financière | 4/6 |
| Dividendes | 0/6 |
SOFI Community Fair Values
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Analyst Price Targets
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SoFi Technologies, Inc. Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$17.71 |
| Plus haut sur 52 semaines | US$32.73 |
| Plus bas sur 52 semaines | US$14.23 |
| Bêta | 2.15 |
| Variation sur 1 mois | 13.45% |
| Variation sur 3 mois | 3.09% |
| Variation sur 1 an | 22.73% |
| Variation sur 3 ans | 106.17% |
| Variation sur 5 ans | -16.46% |
| Évolution depuis l'introduction en bourse | 68.99% |
Nouvelles et mises à jour récentes
Mise à jour du récit • 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.Seeking Alpha • Jun 12
SoFi's 36% Selloff Hides What The Bears Keep Getting Wrong
Summary SoFi Technologies, Inc. maintains my Buy rating despite recent legal and segment-specific headwinds, as the core growth thesis remains intact. SOFI's premium valuation is justified by 43% YoY revenue growth and robust net income, outpacing sector peers while trading at compressed multiples. Strategic acquisitions, notably Peach Finance, rebuild the Technology Platform's full-stack offering, addressing client retention and segment turnaround potential. Legal overhang from a class-action investigation poses a material risk, but management's ongoing insider buying and reaffirmed guidance support confidence. Read the full article on Seeking Alpha
Mise à jour du récit • 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.Recent updates
Mise à jour du récit • 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.Seeking Alpha • Jun 12
SoFi's 36% Selloff Hides What The Bears Keep Getting Wrong
Summary SoFi Technologies, Inc. maintains my Buy rating despite recent legal and segment-specific headwinds, as the core growth thesis remains intact. SOFI's premium valuation is justified by 43% YoY revenue growth and robust net income, outpacing sector peers while trading at compressed multiples. Strategic acquisitions, notably Peach Finance, rebuild the Technology Platform's full-stack offering, addressing client retention and segment turnaround potential. Legal overhang from a class-action investigation poses a material risk, but management's ongoing insider buying and reaffirmed guidance support confidence. Read the full article on Seeking AlphaMise à jour du récit • 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.
Mise à jour du récit • 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.
Nouveau récit • 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?Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.
Nouveau récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Nouveau récit • 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.Article d’analyse • 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...Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Seeking Alpha • Apr 28
SoFi Technologies Q1 Preview: Student Loan Boom
Summary SoFi's shares have outperformed the market, driven by regulatory changes and resumption of student loan payments, making it a strong buy heading into earnings. The fintech bank's multi-segment platform and cross-selling opportunities position it for significant growth, especially with the end of the student loan payment moratorium. SoFi is expected to report strong Q1 earnings, with significant year-over-year growth in both EPS and revenue, driven by increased student loan refinancing demand. Despite valuation concerns, SoFi's impressive revenue growth and profitability acceleration justify a premium, with potential for further upside if the stock re-rates. Read the full article on Seeking AlphaSeeking Alpha • Apr 19
SOFI: Why I Loaded Up More Shares
Summary SoFi secured $3.2B in new loan funding, bringing its total third-party capital commitments to over $5B. Non-lending segments drove 47% of 2024 revenue, up from 38% in 2023, accelerating SoFi’s platform transformation. The company generated $67M in fee income from $2.1B of LPB-originated loans, without holding credit risk. SoFi reported $666M in adjusted EBITDA for 2024, a 26% margin, with strong contribution from capital-light segments. EPS is projected to double from $0.25 in 2025 to $0.50 in 2026, supporting a $12–$20/share valuation range. Read the full article on Seeking AlphaSeeking Alpha • Apr 08
SoFi Technologies: Buy And Hold The First Fintech Super-App
Summary SoFi’s ecosystem unlocks high LTV via product depth, data leverage, and network effects—clear moat forming in digital banking. Market is mispricing forward growth; 5x sales on 2025–2026 revs implies $14–$16/share. Macro risk caps near-term re-rating, but optionality is strong if policy stabilizes and rates ease by mid-2026. Read the full article on Seeking AlphaSeeking Alpha • Apr 01
SoFi Technologies: Be Greedy When Others Are Fearful
Summary SoFi Technologies stock has surged ~32% since late February 2024, outperforming the S&P 500 index despite recent market dips. SOFI's impressive growth in membership and product additions, coupled with a shift towards a fee-based revenue model, supports its valuation and GARP status. The firm's strong EPS growth, margin expansion, and optimistic management guidance suggest a potential fair value of ~$14/share, offering an 18% upside. Risks include macroeconomic influences and potential policy shifts, which could impact SOFI's lending business and valuation assumptions, making the stock vulnerable in a recession. Read the full article on Seeking AlphaRendement pour les actionnaires
| SOFI | US Consumer Finance | US Marché | |
|---|---|---|---|
| 7D | 7.5% | 6.9% | 2.3% |
| 1Y | 22.7% | 11.8% | 25.5% |
Rendement vs Industrie: SOFI a dépassé le secteur US Consumer Finance qui a rapporté 11.8 % au cours de l'année écoulée.
Rendement vs marché: SOFI a sous-performé le marché US qui a rapporté 25.5 % au cours de l'année écoulée.
Volatilité des prix
| SOFI volatility | |
|---|---|
| SOFI Average Weekly Movement | 8.1% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Cours de l'action stable: SOFI n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de SOFI ( 8% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 2011 | 6,100 | Anthony Noto | www.sofi.com |
SoFi Technologies, Inc. fournit divers services financiers aux États-Unis, en Amérique latine, au Canada et à Hong Kong. L'entreprise opère à travers trois segments : Prêts, Plateforme technologique et Services financiers. Elle propose des services et des produits financiers et de prêt qui permettent à ses membres d'emprunter, d'épargner, de dépenser, d'investir et de protéger leur argent, ainsi que des prêts personnels, des prêts étudiants, des prêts immobiliers et des services connexes.
SoFi Technologies, Inc. Résumé des fondamentaux
| SOFI statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$21.97b |
| Bénéfices(TTM) | US$576.94m |
| Recettes(TTM) | US$3.91b |
39.4x
Ratio P/E5.8x
Ratio P/SLe site SOFI est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| SOFI compte de résultat (TTM) | |
|---|---|
| Recettes | US$3.91b |
| Coût des recettes | US$644.60m |
| Marge brute | US$3.26b |
| Autres dépenses | US$2.69b |
| Les revenus | US$576.94m |
Derniers bénéfices déclarés
Mar 31, 2026
Prochaine date de publication des résultats
s/o
| Résultat par action (EPS) | 0.45 |
| Marge brute | 83.51% |
| Marge bénéficiaire nette | 14.76% |
| Ratio dettes/capitaux propres | 16.8% |
Quelles ont été les performances à long terme de SOFI?
Voir les performances historiques et les comparaisonsAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/16 15:22 |
| Cours de l'action en fin de journée | 2026/06/16 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
SoFi Technologies, Inc. est couverte par 29 analystes. 20 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |