SoFi Technologies（SOFI）株式概要
SoFi Technologies, Inc.は米国、中南米、カナダ、香港で様々な金融サービスを提供している。 詳細
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SoFi Technologies, Inc. 競合他社
価格と性能
| 過去の株価 | |
|---|---|
| 現在の株価 | US$15.62 |
| 52週高値 | US$32.73 |
| 52週安値 | US$12.86 |
| ベータ | 2.13 |
| 1ヶ月の変化 | -15.29% |
| 3ヶ月変化 | -14.27% |
| 1年変化 | 19.33% |
| 3年間の変化 | 188.72% |
| 5年間の変化 | -22.48% |
| IPOからの変化 | 49.05% |
最新ニュース
Seeking Alpha • May 18
SoFi: Lackluster Fundamentals And Tough Valuations Vs Oversold Stock
Summary SoFi’s loan originations are growing rapidly, but higher-for-longer rates and new student loan rules threaten the sustainability of refinancing-led growth. SoFi’s liability-sensitive balance sheet means rising or sticky rates can compress net interest margins as funding costs reset faster than loan yields. The current share price embeds an implied 5-year earnings CAGR around 42%, far above SoFi’s recent sub-20% profit growth. Bearish momentum remains on the chart, but price is approaching a key monthly demand zone where selling pressure appears to be slowing. Read the full article on Seeking Alpha
ナラティブの更新 • 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.Recent updates
Seeking Alpha • May 18
SoFi: Lackluster Fundamentals And Tough Valuations Vs Oversold Stock
Summary SoFi’s loan originations are growing rapidly, but higher-for-longer rates and new student loan rules threaten the sustainability of refinancing-led growth. SoFi’s liability-sensitive balance sheet means rising or sticky rates can compress net interest margins as funding costs reset faster than loan yields. The current share price embeds an implied 5-year earnings CAGR around 42%, far above SoFi’s recent sub-20% profit growth. Bearish momentum remains on the chart, but price is approaching a key monthly demand zone where selling pressure appears to be slowing. Read the full article on Seeking Alphaナラティブの更新 • 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.
新しいナラティブ • 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?
新しいナラティブ • Apr 30
SOFI: Record Everything, Down 13%—The Galileo Wound, the Muddy Waters Shadow, and a Business Growing Too Fast for Its Own Stock Price
A Digital Bank That Keeps Delivering Records and Keeps Getting Punished for It SoFi Technologies, Inc. (NASDAQ: SOFI) is a San Francisco-based digital financial services company that has spent the past four years executing one of the most ambitious transformations in fintech history—evolving from a student loan refinancing niche lender into what CEO Anthony Noto describes as the one-stop shop for digital financial services.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.
新しいナラティブ • 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.
ナラティブの更新 • 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.ナラティブの更新 • 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.新しいナラティブ • 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.分析記事 • 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...
ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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 AlphaSeeking Alpha • Mar 22
SoFi Technologies: Don't Let This Steep Selloff Go To Waste (Rating Upgrade)
Summary SoFi Technologies investors were reminded of why investing in SOFI isn't for the faint-hearted, as they endured a 40% plunge from recent highs. SoFI investors need to navigate economic uncertainties, while seeking to benefit from the deregulatory agenda of the Trump administration. Despite that, SOFI's previous earnings multiples showed why overstating the bullish case isn't astute. However, bearish investors must also reconsider their pessimistic overtures on SOFI, as the stock seems to have struck a bottom recently. I argue why investors who bided their time patiently for this opportunity shouldn't let the selloff go to waste. Read the full article on Seeking AlphaSeeking Alpha • Mar 15
SoFi: Student Loan Changes Are Good
Summary SoFi Technologies has shown strong performance, with shares up 8% since October, outperforming the S&P 500, which is down nearly 5%. The company has achieved multiple GAAP-profitable quarters and a full year of GAAP net income in 2024, indicating sustainable, long-term profitability. SoFi's customer base is growing rapidly, with a 34% year-over-year membership increase and 40% of new members adopting a second product within 30 days. Despite a recent pullback in shares, SoFi's robust revenue and EPS growth, along with favorable regulatory changes. I think this presents a prime buying opportunity for long-term investors. Read the full article on Seeking Alpha株主還元
| SOFI | US Consumer Finance | US 市場 | |
|---|---|---|---|
| 7D | 0.06% | -0.4% | 1.1% |
| 1Y | 19.3% | 7.8% | 28.7% |
業界別リターン: SOFI過去 1 年間で7.8 % の収益を上げたUS Consumer Finance業界を上回りました。
リターン対市場: SOFIは、過去 1 年間で28.7 % のリターンを上げたUS市場を下回りました。
価格変動
| SOFI volatility | |
|---|---|
| SOFI Average Weekly Movement | 7.4% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
安定した株価: SOFI 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。
時間の経過による変動: SOFIの 週次ボラティリティ ( 7% ) は過去 1 年間安定しています。
会社概要
| 設立 | 従業員 | CEO（最高経営責任者 | ウェブサイト |
|---|---|---|---|
| 2011 | 6,100 | Anthony Noto | www.sofi.com |
SoFi Technologies, Inc.は、米国、中南米、カナダ、香港で様々な金融サービスを提供している。同社は3つのセグメントで事業を展開している：レンディング、テクノロジー・プラットフォーム、金融サービス。同社は、会員がお金を借りたり、貯めたり、使ったり、投資したり、保護したりできるような融資や金融サービス、商品、個人ローン、学生ローン、住宅ローン、関連サービスを提供している。また、金融・非金融機関向けにサービスを提供するテクノロジー・プラットフォーム「Galileo」、クラウドネイティブなデジタル・バンキングおよびコア・バンキング・プラットフォーム「Technisys」を運営し、ソフトウェア・ライセンスや導入・保守を含む関連サービスを提供している。さらに、SoFi Moneyは当座預金口座、普通預金口座、資金管理商品を提供し、SoFi Investは投資やロボアドバイザリーなどの取引・助言ソリューションへのアクセスを提供するモバイルファーストの投資プラットフォーム、SoFI Cryptoは新しいデジタル資産取引プラットフォームを提供している。さらに同社は、購入ごとにキャッシュバック特典を提供するSofiクレジットカード、クレジットスコアや支出行動を含むすべての金融口座を追跡できる個人財務管理製品Sofiリレー、保険製品を提供するSofiプロテクト、旅行検索と予約体験を管理するアプリケーションSofiトラベルを提供している；SoFiアットワークは、従業員の代わりに行われる学生ローンの支払いなど、従業員への金融給付を提供する。ランタンクレジットは、代替商品を探し、商品比較を提供するための金融サービスマーケットプレイスプラットフォームである。同社は2011年に設立され、カリフォルニア州サンフランシスコを拠点としている。
SoFi Technologies, Inc. 基礎のまとめ
| SOFI 基礎統計学 | |
|---|---|
| 時価総額 | US$20.04b |
| 収益（TTM） | US$576.94m |
| 売上高(TTM) | US$3.91b |
34.7x
PER（株価収益率5.1x
P/SレシオSOFI は割高か？
公正価値と評価分析を参照収益と収入
| SOFI 損益計算書（TTM） | |
|---|---|
| 収益 | US$3.91b |
| 売上原価 | US$644.60m |
| 売上総利益 | US$3.26b |
| その他の費用 | US$2.69b |
| 収益 | US$576.94m |
直近の収益報告
Mar 31, 2026
次回決算日
該当なし
| 一株当たり利益（EPS） | 0.45 |
| グロス・マージン | 83.51% |
| 純利益率 | 14.76% |
| 有利子負債／自己資本比率 | 16.8% |
SOFI の長期的なパフォーマンスは？
過去の実績と比較を見る企業分析と財務データの現状
| データ | 最終更新日（UTC時間） |
|---|---|
| 企業分析 | 2026/05/24 16:26 |
| 終値 | 2026/05/22 00:00 |
| 収益 | 2026/03/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
SoFi Technologies, Inc. 20 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。31
| アナリスト | 機関 |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |