SoFi Technologies (SOFI) Aandelenoverzicht
SoFi Technologies, Inc. biedt verschillende financiële diensten aan in de Verenigde Staten, Latijns-Amerika, Canada en Hong Kong. Meer informatie
| Sneeuwvlok Score | |
|---|---|
| Waardering | 0/6 |
| Toekomstige groei | 4/6 |
| Prestaties in het verleden | 2/6 |
| Financiële gezondheid | 4/6 |
| Dividenden | 0/6 |
SOFI Community Fair Values
Create NarrativeSee what 993 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
SoFi Technologies, Inc. Concurrenten
Prijsgeschiedenis en prestaties
| Historische aandelenkoersen | |
|---|---|
| Huidige aandelenkoers | US$17.87 |
| 52 Week Hoogtepunt | US$32.73 |
| 52 Week Laag | US$14.92 |
| Bèta | 2.15 |
| 1 maand verandering | 4.32% |
| 3 maanden verandering | -6.10% |
| 1 Jaar Verandering | -16.46% |
| 3 jaar verandering | 81.42% |
| 5 jaar verandering | 7.91% |
| Verandering sinds IPO | 70.52% |
Recent nieuws en updates
Seeking Alpha • Jul 15
Earnings Season Has Been Hard On SoFi Of Late, But It Still Warrants Bullish Interest
Summary SOFI has been through two adverse earnings events this year and has underperformed both the fintech sector and the broader market in 2026 with a decline of ~30% YTD. With Q2 earnings due to be announced on July 29, could it get third time lucky? A potential topline beat of +5%, further EBITDA margin progression with a tilt towards non-lending revenue, stability of the TPS business, and any upgrade in guidance would be taken well. SOFI trades at a forward P/E of 31x, nearly 50% below its historical average, with a PEG ratio under 0.6x and solid earnings CAGR of 40% even through FY28. The stock also no longer looks like one of the more overbought names within the US financial sector, with its relative strength ratio now around its long-term mean. Read the full article on Seeking Alpha
Narratiefupdate • 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.Recent updates
Seeking Alpha • Jul 15
Earnings Season Has Been Hard On SoFi Of Late, But It Still Warrants Bullish Interest
Summary SOFI has been through two adverse earnings events this year and has underperformed both the fintech sector and the broader market in 2026 with a decline of ~30% YTD. With Q2 earnings due to be announced on July 29, could it get third time lucky? A potential topline beat of +5%, further EBITDA margin progression with a tilt towards non-lending revenue, stability of the TPS business, and any upgrade in guidance would be taken well. SOFI trades at a forward P/E of 31x, nearly 50% below its historical average, with a PEG ratio under 0.6x and solid earnings CAGR of 40% even through FY28. The stock also no longer looks like one of the more overbought names within the US financial sector, with its relative strength ratio now around its long-term mean. Read the full article on Seeking AlphaNarratiefupdate • 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.Analyse-artikel • 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...
Narratiefupdate • 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.
Narratiefupdate • 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.Narratiefupdate • 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.
Nieuw narratief • 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?Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.
Nieuw narratief • 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.Narratiefupdate • 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.Narratiefupdate • 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.Nieuw narratief • 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.Analyse-artikel • 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...Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Rendement voor aandeelhouders
| SOFI | US Consumer Finance | US Markt | |
|---|---|---|---|
| 7D | 0.8% | 6.1% | 0.8% |
| 1Y | -16.5% | 6.1% | 20.5% |
Rendement versus industrie: SOFI presteerde slechter dan de US Consumer Finance -sector, die het afgelopen jaar een rendement van 6.1 % opleverde.
Rendement versus markt: SOFI presteerde slechter dan US Market, dat het afgelopen jaar een rendement van 20.5 % opleverde.
Prijsvolatiliteit
| SOFI volatility | |
|---|---|
| SOFI Average Weekly Movement | 8.1% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Stabiele aandelenkoers: SOFI heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de US markt.
Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 8% ) van SOFI is het afgelopen jaar stabiel geweest.
Over het bedrijf
| Opgericht | Werknemers | CEO | Website |
|---|---|---|---|
| 2011 | 6,100 | Anthony Noto | www.sofi.com |
SoFi Technologies, Inc. levert verschillende financiële diensten in de Verenigde Staten, Latijns-Amerika, Canada en Hong Kong. Het bedrijf is actief in drie segmenten: Lending, Technology Platform en Financial Services. Het biedt leningen en financiële diensten en producten waarmee zijn leden geld kunnen lenen, sparen, uitgeven, investeren en beschermen; en persoonlijke leningen, studentenleningen, woningkredieten en aanverwante diensten.
SoFi Technologies, Inc. Samenvatting
| SOFI fundamentele statistieken | |
|---|---|
| Marktkapitalisatie | US$23.79b |
| Inkomsten(TTM) | US$576.94m |
| Inkomsten(TTM) | US$3.91b |
39.7x
Koers/Winstverhouding5.9x
P/S-verhoudingIs SOFI overgewaardeerd?
Zie Reële waarde en waarderingsanalyseInkomsten en omzet
| SOFI resultatenrekening (TTM) | |
|---|---|
| Inkomsten | US$3.91b |
| Kosten van inkomsten | US$644.60m |
| Brutowinst | US$3.26b |
| Overige uitgaven | US$2.69b |
| Inkomsten | US$576.94m |
Laatst gerapporteerde inkomsten
Mar 31, 2026
Volgende inkomensdatum
Jul 29, 2026
| Winst per aandeel (EPS) | 0.45 |
| Brutomarge | 83.51% |
| Nettowinstmarge | 14.76% |
| Schuld/Eigen Vermogen Verhouding | 16.8% |
Hoe presteerde SOFI op de lange termijn?
Bekijk historische prestaties en vergelijkingBedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/07/15 17:50 |
| Aandelenkoers aan het einde van de dag | 2026/07/15 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
|
|
| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
|
* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysamodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
SoFi Technologies, Inc. wordt gevolgd door 29 analisten. 19 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |