SoFi Technologies, Inc. (SOFI)

US — Financial Services Sector
Peers: MS  HBAN  RJF  SCHW  SYF  SLF  ACGL  BBD  STT  ARES 

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Key Metrics & Ratings

  • symbol SOFI
  • Rev/Share 3.7735
  • Book/Share 6.2226
  • PB 4.2651
  • Debt/Equity 0.5881
  • CurrentRatio 0.1498
  • ROIC 0.0485

 

  • MktCap 31780325654.0
  • FreeCF/Share -2.7477
  • PFCF -10.4908
  • PE 52.1032
  • Debt/Assets 0.0981
  • DivYield 0
  • ROE 0.0858

 

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

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Reiterated SOFI Needham -- Buy $25 $29 Sept. 10, 2025
Initiation SOFI Rothschild & Co Redburn -- Neutral -- $20.5 Aug. 1, 2025
Downgrade SOFI Citizens JMP Mkt Outperform Market Perform -- -- July 14, 2025
Resumed SOFI Goldman -- Neutral -- $19 July 14, 2025
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

News

SoFi: Inflection Coming; Why I'm Long
SOFI
Published: October 20, 2025 by: Seeking Alpha
Sentiment: Neutral

SoFi (SOFI) aims to be a comprehensive financial platform, driving record member growth and expanding into crypto and blockchain services. SOFI could achieve over 25% year-over-year revenue growth in 2026 if interest rates decline, supporting a premium valuation. Despite strong credit performance and improving delinquency rates, SOFI still lacks free cash flow and may require further capital raises.

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image for news SoFi: Inflection Coming; Why I'm Long
SoFi Technologies (SOFI) Upgraded to Buy: What Does It Mean for the Stock?
SOFI
Published: October 20, 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.

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image for news SoFi Technologies (SOFI) Upgraded to Buy: What Does It Mean for the Stock?
SOFI Stock Soars 163% in 6 Months: Should You Buy, Hold or Sell?
SOFI
Published: October 16, 2025 by: Zacks Investment Research
Sentiment: Positive

SOFI's six-month, 163% surge is powered by rapid member growth, a profitable fee-based model, and rising earnings momentum.

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image for news SOFI Stock Soars 163% in 6 Months: Should You Buy, Hold or Sell?
SoFi Vs. Upstart: Which Fintech To Choose And For Whom
SOFI, UPST
Published: October 10, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. SoFi Technologies' valuation is historically high, reflecting much of its recent success, but long-term investors may find it compelling to start a position and DCA. Upstart Holdings offers high growth potential with its AI-driven lending platform but remains volatile and highly dependent on macroeconomic conditions.

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image for news SoFi Vs. Upstart: Which Fintech To Choose And For Whom
Will SoFi Technologies (SOFI) Beat Estimates Again in Its Next Earnings Report?
SOFI
Published: October 09, 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.

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image for news Will SoFi Technologies (SOFI) Beat Estimates Again in Its Next Earnings Report?
SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SOFI
Published: October 09, 2025 by: Zacks Investment Research
Sentiment: Positive

Zacks.com users have recently been watching SoFi Technologies (SOFI) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.

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image for news SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
Market euphoria can get more euphoric before something turns it around, says SoFi's Liz Thomas
SOFI
Published: October 07, 2025 by: CNBC Television
Sentiment: Positive

Liz Thomas, SoFi, joins 'Closing Bell' to discuss how Thomas feels about the strength of equity markets, if there's a lot more upside to today's equity markets and much more.

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image for news Market euphoria can get more euphoric before something turns it around, says SoFi's Liz Thomas
Top Stock Pick Report: A Q3 For the Record Books
BA, BE, BEAM, CF, COIN, CVNA, DB, DELL, EZPW, LC, NBIS, OPRA, RKLB, ROKU, SE, SEIC, SOFI, STM
Published: October 07, 2025 by: Schaeffers Research
Sentiment: Positive

Subscribers to Chart of the Week received this commentary on Sunday, October 5.

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image for news Top Stock Pick Report: A Q3 For the Record Books
Sofi Stock Rises. What Trump's Changes to Student Loans Could Mean for the Fintech.
SOFI
Published: October 07, 2025 by: Barrons
Sentiment: Positive

The fintech could benefit from a smaller federal role in student lending.

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image for news Sofi Stock Rises. What Trump's Changes to Student Loans Could Mean for the Fintech.
SOFI Faces Analyst Pressure Amid 250% Y/Y Rally
SOFI
Published: September 29, 2025 by: Schwab Network
Sentiment: Negative

SoFi Technologies (SOFI) experienced astounding stock growth over the last year. Now, Morgan Stanley warns its rally is overextended.

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image for news SOFI Faces Analyst Pressure Amid 250% Y/Y Rally
Where Will SoFi Technologies Be in 10 Years?
SOFI
Published: September 29, 2025 by: The Motley Fool
Sentiment: Positive

SoFi Technologies (SOFI 0.68%) was founded in 2011 with the sole purpose of helping students pay for their college educations. Over the next 14 years, the business evolved into a more comprehensive financial services provider, with a digital-first model at its core.

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image for news Where Will SoFi Technologies Be in 10 Years?
Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
SOFI
Published: September 25, 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 Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
May be still young in AI revolution lifecycle, says SoFi's Liz Thomas
SOFI
Published: September 24, 2025 by: CNBC Television
Sentiment: Neutral

Liz Thomas, SoFi head of investment strategy, joins 'Closing Bell' to discuss Thomas' thoughts on today's equity markets, concerns around unprofitable companies and much more.

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image for news May be still young in AI revolution lifecycle, says SoFi's Liz Thomas
Buy 5 Financial Technology Giants Amid Fed's Low-Interest-Rate Regime
CSGP, HOOD, IBKR, PYPL, SOFI
Published: September 24, 2025 by: Zacks Investment Research
Sentiment: Positive

Fed's rate cut sparks opportunity for fintech leaders like CSGP, PYPL, SOFI, IBKR and HOOD.

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image for news Buy 5 Financial Technology Giants Amid Fed's Low-Interest-Rate Regime
SoFi vs. Nu Holdings: Which Fintech Stock Stands Out Right Now?
NU, SOFI
Published: September 23, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi reports record member gains and fee growth, while Nu scales rapidly across Latin America, driven by rising revenues and engagement.

Read More
image for news SoFi vs. Nu Holdings: Which Fintech Stock Stands Out Right Now?
IFS or SOFI: Which Is the Better Value Stock Right Now?
IFS, SOFI
Published: September 19, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Intercorp Financial Services Inc. (IFS) and 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 IFS or SOFI: Which Is the Better Value Stock Right Now?
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Sept 19)
SOFI
Published: September 19, 2025 by: 24/7 Wall Street
Sentiment: Neutral

SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer stated at a conference earlier this year that the fintech company is targeting 30% member growth and 20% revenue growth.

Read More
image for news SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Sept 19)
Are You Looking for a Top Momentum Pick? Why SoFi Technologies, Inc. (SOFI) is a Great Choice
SOFI
Published: September 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Does SoFi Technologies, Inc. (SOFI) have what it takes to be a top stock pick for momentum investors? Let's find out.

Read More
image for news Are You Looking for a Top Momentum Pick? Why SoFi Technologies, Inc. (SOFI) is a Great Choice
SoFi's Konecta Now Puts Banking Chatbots in the Spotlight
SOFI
Published: September 17, 2025 by: Zacks Investment Research
Sentiment: Neutral

SOFI's Konecta chatbot delivers faster service, lower costs and higher satisfaction, putting the fintech in the banking AI spotlight.

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image for news SoFi's Konecta Now Puts Banking Chatbots in the Spotlight
Dave Inc. (DAVE) vs. SoFi (SOFI): Which Fintech Stock Is Better?
DAVE, SOFI
Published: September 16, 2025 by: 24/7 Wall Street
Sentiment: Neutral

It's a head-to-head battle of fintech startups with popular personal finance apps.

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image for news Dave Inc. (DAVE) vs. SoFi (SOFI): Which Fintech Stock Is Better?
SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
SOFI
Published: September 12, 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 SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
Looking for Earnings Beat? Buy These 5 Top-Ranked Stocks
AGCO, DOCU, IDCC, NKE, SOFI
Published: September 12, 2025 by: Zacks Investment Research
Sentiment: Positive

Top-ranked stocks NIKE (NKE), Docusign (DOCU), AGCO (AGCO), SoFi Technologies (SOFI) and InterDigital (IDCC) are likely to beat on the bottom line in their upcoming releases.

Read More
image for news Looking for Earnings Beat? Buy These 5 Top-Ranked Stocks
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Sept 12)
SOFI
Published: September 12, 2025 by: 24/7 Wall Street
Sentiment: Positive

SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer stated at a conference earlier this year that the fintech company is targeting 30% member growth and 20% revenue growth. The stock is 1.3% higher than it was a week ago, and shares are trading near an all-time high. The share price is up 68.6% year to date, outperforming the S&P 500. SoFi's one-year gain is 255.1%.

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image for news SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Sept 12)
Are Finance Stocks Lagging SoFi Technologies (SOFI) This Year?
SOFI
Published: September 11, 2025 by: Zacks Investment Research
Sentiment: Negative

Here is how SoFi Technologies, Inc. (SOFI) and Aviva (AVVIY) have performed compared to their sector so far this year.

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image for news Are Finance Stocks Lagging SoFi Technologies (SOFI) This Year?
SOFI Stock Skyrockets 80% in 3 Months: Too Late or Still a Bet?
SOFI
Published: September 09, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi stock has soared 80% in three months as membership, fee-based revenues and earnings momentum fuel bullish investor sentiment.

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image for news SOFI Stock Skyrockets 80% in 3 Months: Too Late or Still a Bet?
Mortgage Pressures Ease, 3 Stocks to Rally on Lower Rates
PHM, RKT, SOFI
Published: September 09, 2025 by: MarketBeat
Sentiment: Neutral

Everyone is talking about the potential for the Federal Reserve to cut rates in the United States, an event that has the entire stock market trading into new all-time highs, especially the names in the technology sector that make up most of the S&P 500 index today.

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image for news Mortgage Pressures Ease, 3 Stocks to Rally on Lower Rates
SoFi launches new AI-themed ETF as skepticism grows
SOFI
Published: September 03, 2025 by: Reuters
Sentiment: Positive

SoFi Technologies jumped back into the exchange-traded fund business on Wednesday with its first launch in nearly two years, betting on artificial intelligence, the hottest theme in retail investing.

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image for news SoFi launches new AI-themed ETF as skepticism grows
SoFi Technologies, Inc. (SOFI) Is Up 2.08% in One Week: What You Should Know
SOFI
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Does SoFi Technologies, Inc. (SOFI) have what it takes to be a top stock pick for momentum investors? Let's find out.

Read More
image for news SoFi Technologies, Inc. (SOFI) Is Up 2.08% in One Week: What You Should Know
Best Fintech Stocks Offering Compelling Long-Term Upside
HOOD, IBKR, SOFI
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

AI, embedded finance and programmable money are reshaping the fintech industry and fueling investor interest in Interactive Brokers, Robinhood and SoFi.

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image for news Best Fintech Stocks Offering Compelling Long-Term Upside
IFS vs. SOFI: Which Stock Is the Better Value Option?
IFS, SOFI
Published: September 01, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Intercorp Financial Services Inc. (IFS) and SoFi Technologies, Inc. (SOFI). But which of these two stocks is more attractive to value investors?

Read More
image for news IFS vs. SOFI: Which Stock Is the Better Value Option?

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.