SoFi Technologies, Inc. (SOFI)

US — Financial Services Sector
Peers: UPST  AFRM  LCID  PLTR  RBLX 

Automate Your Wheel Strategy on SOFI

With Tiblio's Option Bot, you can configure your own wheel strategy including SOFI - and automate your put writes, covered calls, and full wheel strategy. Just connect one of the supported brokerages: tastytrade, Schwab, TradeStation or Tradier and go.

Start Your Free Trial Now

Key Metrics & Ratings

  • symbol SOFI
  • Rev/Share 2.5268
  • Book/Share 6.0825
  • PB 3.4476
  • Debt/Equity 0.4701
  • CurrentRatio 0.0
  • ROIC 0.0181

 

  • MktCap 23179399200.0
  • FreeCF/Share -1.84
  • PFCF -11.4732
  • PE 47.7956
  • Debt/Assets 0.0832
  • DivYield 0
  • ROE 0.0764

 

  • Rating C+
  • Score 2
  • Recommendation Sell
  • P/E Score 2
  • DCF Score 1
  • P/B Score 2
  • D/E Score 2

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation SOFI TD Cowen -- Hold -- $21 July 11, 2025
Initiation SOFI Stephens -- Overweight -- $20 June 12, 2025
Initiation SOFI Truist -- Hold -- $14 June 2, 2025
Initiation SOFI Citizens JMP -- Mkt Outperform -- $17 April 25, 2025
Initiation SOFI William Blair -- Outperform -- -- Jan. 15, 2025
Downgrade SOFI Keefe Bruyette Market Perform Underperform $7 $8 Jan. 2, 2025
Downgrade SOFI BofA Securities Neutral Underperform -- $12 Dec. 9, 2024

News

XP or SOFI: Which Is the Better Value Stock Right Now?
SOFI, XP
Published: July 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either XP Inc.A (XP) or SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for those looking for undervalued stocks?

Read More
image for news XP or SOFI: Which Is the Better Value Stock Right Now?
How Trump's Student Loan Reform Could Funnel Billions In Loans To SoFi
SOFI
Published: July 10, 2025 by: Benzinga
Sentiment: Positive

SoFi Technologies Inc. SOFI has seen its stock soar by approximately 45% in the past month, fueled by potential legislative changes that could significantly reroute student loan demand from federal programs to private lenders.

Read More
image for news How Trump's Student Loan Reform Could Funnel Billions In Loans To SoFi
SoFi CEO: Student loans are a smaller piece of our business now
SOFI
Published: July 10, 2025 by: CNBC Television
Sentiment: Positive

SoFi CEO Anthony Noto said Thursday that student loans now make up a smaller piece of the company's business, with more than 50% of revenue coming from non-lending streams.

Read More
image for news SoFi CEO: Student loans are a smaller piece of our business now
SoFi CEO on investing in private markets, student loan opportunities
SOFI
Published: July 10, 2025 by: CNBC Television
Sentiment: Positive

Anthony Noto, SoFi CEO, joins 'Squawk Box' to discuss the company's expansion into private market investing, what's seen as a tailwind for SoFi and much more.

Read More
image for news SoFi CEO on investing in private markets, student loan opportunities
SOFI Leans Into Scale and Innovation for Sustainable Growth
SOFI
Published: July 08, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies rides a 217% profit surge and $2B Fortress deal to scale its ecosystem and cut reliance on lending-heavy income.

Read More
image for news SOFI Leans Into Scale and Innovation for Sustainable Growth
SoFi Stock Is Rising. Private Markets Push and Trump Tax Bill Give Shares a Boost.
SOFI
Published: July 08, 2025 by: Barrons
Sentiment: Positive

SoFi Technologies expands access to private markets funds. It's not the only thing lifting shares Tuesday.

Read More
image for news SoFi Stock Is Rising. Private Markets Push and Trump Tax Bill Give Shares a Boost.
SoFi Stock Up 36% — May Rise On Crypto, Student Loan Policy Boosts
SOFI
Published: July 08, 2025 by: Forbes
Sentiment: Positive

SoFi Technologies stock is on a roll due to favorable crypto rulings from a bank regulator and student loan changes in the Big, Beautiful Bill Act.

Read More
image for news SoFi Stock Up 36% — May Rise On Crypto, Student Loan Policy Boosts
Here's why SoFi stock price is surging and why it could soar 52% soon
SOFI
Published: July 07, 2025 by: Invezz
Sentiment: Positive

SoFi stock price surged and crossed the important resistance level at $18.43 as the company prepares its re-entry into the booming crypto industry. It jumped to a high of $18.57 on Thursday, its highest level since November 2021, and 345% from its lowest level this year.

Read More
image for news Here's why SoFi stock price is surging and why it could soar 52% soon
SoFi Stock Skyrockets 88% in 3 Months: Too Late to Get in?
SOFI
Published: July 04, 2025 by: Zacks Investment Research
Sentiment: Positive

Shares of SoFi Technologies, Inc. SOFI have surged 88% in the past three months, far exceeding the industry's 40% growth. Over the last year, the stock has skyrocketed 187%.

Read More
image for news SoFi Stock Skyrockets 88% in 3 Months: Too Late to Get in?
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (July 4)
SOFI
Published: July 04, 2025 by: 24/7 Wall Street
Sentiment: Neutral

SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer recently stated at a conference that the fintech company has targeted 30% member growth and 20% revenue growth.

Read More
image for news SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (July 4)
2 Soaring Stocks With More Upside Potential to Buy and Hold
SMMT, SOFI
Published: July 04, 2025 by: The Motley Fool
Sentiment: Positive

Is it worth it to buy a stock after it experiences significant market gains? The answer is, it depends.

Read More
image for news 2 Soaring Stocks With More Upside Potential to Buy and Hold
SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SOFI
Published: July 03, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

Read More
image for news SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SoFi: Crypto Boost
SOFI
Published: July 02, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's re-entry into crypto unlocks a massive new market, with stablecoins and crypto trading poised to drive significant revenue growth. The fintech exited the crypto business in late 2023 due to regulatory pressures to gain the banking license. Crypto fintechs are currently trading at much higher valuation multiples due to the scalable and capital-light business models.

Read More
image for news SoFi: Crypto Boost
Why SoFi Could Be The Next $10 Billion Fintech Giant -- Don't Miss Out!
SOFI
Published: July 02, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's digital platform enables full-service banking at lower costs, driving strong member and product growth with impressive revenue expansion. The shift from loan-based to fee-based revenue makes SoFi less sensitive to interest rates and more resilient than traditional banks. Despite appearing overvalued by traditional metrics, SoFi's high growth rates and profitability potential justify a bullish long-term outlook.

Read More
image for news Why SoFi Could Be The Next $10 Billion Fintech Giant -- Don't Miss Out!
How SoFi Can Double By The End Of 2026
SOFI
Published: July 02, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's member and product growth is accelerating, powered by its efficient cross-selling model. This "secret sauce" is driving massive, underappreciated earnings beats. The strategic pivot to high-margin, fee-based revenue is de-risking the business. This capital-light model now comprises 41% of total revenue and is expanding rapidly. The Loan Platform Business unlocks a massive, untapped $100 billion market. It monetizes declined applications with high margins and no credit risk, fueling future growth.

Read More
image for news How SoFi Can Double By The End Of 2026
Will SoFi Technologies (SOFI) Beat Estimates Again in Its Next Earnings Report?
SOFI
Published: July 01, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Read More
image for news Will SoFi Technologies (SOFI) Beat Estimates Again in Its Next Earnings Report?
Bull Market Summer: 6 Reasons Wall Street's Rally Continues
BBAI, CRWV, MS, QQQ, SOFI, SOUN
Published: July 01, 2025 by: Zacks Investment Research
Sentiment: Positive

As Wall Street heads into the summer months, six powerful tailwinds line up, suggesting that the bulls are well-positioned to maintain their grip on Wall Street.

Read More
image for news Bull Market Summer: 6 Reasons Wall Street's Rally Continues
SoFi Technologies (SOFI) Surges 6.0%: Is This an Indication of Further Gains?
SOFI
Published: July 01, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions could translate into further price increase in the near term.

Read More
image for news SoFi Technologies (SOFI) Surges 6.0%: Is This an Indication of Further Gains?
Looking for Fintech Growth? Here's How Affirm and SoFi Stack Up
AFRM, SOFI
Published: June 27, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM edges ahead of SOFI with stronger earnings momentum, liquidity and a deepening capital partner network.

Read More
image for news Looking for Fintech Growth? Here's How Affirm and SoFi Stack Up
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (June 27)
SOFI
Published: June 27, 2025 by: 24/7 Wall Street
Sentiment: Neutral

SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer recently stated at a conference that the fintech company has targeted 30% member growth and 20% revenue growth.

Read More
image for news SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (June 27)
SoFi vs. OppFi: Which Fintech Stock Offers Better Momentum Now?
OPFI, SOFI
Published: June 26, 2025 by: Zacks Investment Research
Sentiment: Positive

OPFI's soaring profits and lower risk make it the fintech stock to watch, while SOFI's growth is tempered by valuation concerns.

Read More
image for news SoFi vs. OppFi: Which Fintech Stock Offers Better Momentum Now?
SoFi Stock Gets Supercharged With Return To Crypto
SOFI
Published: June 26, 2025 by: Benzinga
Sentiment: Positive

SoFi Technologies, Inc. SOFI announced Wednesday that is making a comeback in the world of cryptocurrency investing, with plans to enable its members to buy, sell and store popular digital currencies like Bitcoin BTC/USD and Ethereum ETH/USD later this year.

Read More
image for news SoFi Stock Gets Supercharged With Return To Crypto
SoFi's Valuation Looks Overstretched: Time to Hit Pause?
SOFI
Published: June 25, 2025 by: Zacks Investment Research
Sentiment: Positive

SOFI's 21% rally reflects investor optimism, but with a 41X P/E, some are questioning if the stock's run is overdone.

Read More
image for news SoFi's Valuation Looks Overstretched: Time to Hit Pause?
SoFi Just Flipped The Script
SOFI
Published: June 25, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies stock is up 27% since the initial $20 target, fueled by $315M in fee-based revenue, up 67% YoY. Fee income now represents 41% of total revenue, with strong growth in interchange, loan platform, and FSPL segments. Q2 FY 2025 guidance calls for $801.94M revenue and $0.06 EPS, with 6 upward EPS revisions and 7 revenue upgrades.

Read More
image for news SoFi Just Flipped The Script
SoFi Plans Return to Crypto With Blockchain Initiative. Bitcoin Trading Is Coming.
SOFI
Published: June 25, 2025 by: Barrons
Sentiment: Positive

The fintech says it will offer stablecoins and new staking features at a later date.

Read More
image for news SoFi Plans Return to Crypto With Blockchain Initiative. Bitcoin Trading Is Coming.
Top Stock Pick Report: V-Shaped Rallies Everywhere
BA, BE, BEAM, CF, COIN, CVNA, DB, DELL, EZPW, LC, NBIS, OPRA, RKLB, ROKU, SE, SEIC, SOFI, STM
Published: June 24, 2025 by: Schaeffers Research
Sentiment: Positive

Subscribers to Chart of the Week received this commentary on Sunday, June 22.

Read More
image for news Top Stock Pick Report: V-Shaped Rallies Everywhere
3 Reasons SOFI Stock Is Going To Crush the Rest of 2025
SOFI
Published: June 23, 2025 by: 24/7 Wall Street
Sentiment: Positive

More gains may still be ahead for SOFI stock. The economic background looks much more conducive to SoFi's growth.

Read More
image for news 3 Reasons SOFI Stock Is Going To Crush the Rest of 2025
SoFi Technologies (SOFI) Upgraded to Buy: Here's Why
SOFI
Published: June 19, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Read More
image for news SoFi Technologies (SOFI) Upgraded to Buy: Here's Why
3 Reasons SOFI Stock Is the Comeback Stock This July
SOFI
Published: June 19, 2025 by: 24/7 Wall Street
Sentiment: Positive

SoFi (NASDAQ:SOFI) is up by 7% year-to-date, but it can feel disappointing when comparing it to other fintech stocks like Sezzle (NASDAQ:SEZL) and Dave (NASDAQ:DAVE), both of which have more than tripled and doubled year-to-date, respectively.

Read More
image for news 3 Reasons SOFI Stock Is the Comeback Stock This July
Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
SOFI
Published: June 19, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

Read More
image for news Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know

About SoFi Technologies, Inc. (SOFI)

  • IPO Date 2021-01-04
  • Website https://www.sofi.com
  • Industry Financial - Credit Services
  • CEO Anthony J. Noto
  • Employees 5000

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.