SoFi Technologies, Inc. (SOFI)
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- symbol SOFI
- Rev/Share 3.7929
- Book/Share 7.4965
- PB 3.6337
- Debt/Equity 0.3198
- CurrentRatio 0.1687
- ROIC 0.0519
- MktCap 32853509831.0
- FreeCF/Share -1.5371
- PFCF -18.2499
- PE 49.8304
- Debt/Assets 0.062
- DivYield 0
- ROE 0.0888
- 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: Breakout Higher Can Continue, New Growth Engines Are Kicking In (Rating Upgrade)
Published: December 21, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi Technologies is finally upgraded to a buy, driven by its expanding platform moat and robust multi-year growth trajectory. SOFI's loan platform business has achieved 4x growth, with $3.4B in originations and a $13B run rate, fueling revenue durability. Despite a nearly 50x forward earnings multiple, SOFI's growth engine supports its expansive moat and growing competitive levers.
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SoFi's Stablecoin Launch And What It Means For Financial Institutions
Published: December 19, 2025 by: Benzinga
Sentiment: Positive
When SoFi Technologies Inc. (NASDAQ: SOFI) announced its stablecoin launch on December 18, the market responded immediately. Shares jumped approximately 4%, closing at $26.29 as investors processed what this move actually represents: a federally chartered bank issuing digital currency on public blockchain infrastructure.
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SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to SoFi Technologies (SOFI). This makes it worthwhile to examine what the stock has in store.
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The Zacks Analyst Blog Capital One Financial, SoFi and OppFi
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive
Capital One Financial stands to gain as digital payments grow, rates ease and consumer spending stays strong, extending momentum in payment stocks into 2026.
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3 Payment Stocks to Buy as Their Bull Run Extends Into 2026
Published: December 16, 2025 by: Zacks Investment Research
Sentiment: Positive
The payments space heads into 2026 with tailwinds from rate cuts, tech innovation and rising transaction volumes, setting the stage for sustained growth across the industry.
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Riding on the Cashless Wave: 3 Fintech Stocks Positioned for 2026
Published: December 16, 2025 by: Zacks Investment Research
Sentiment: Positive
SoFi, Block and Circle benefit from the digital payment surge, with strong growth potential heading into 2026.
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SoFi: Dilution Headlines Miss The Balance-Sheet Upgrade Story
Published: December 16, 2025 by: Seeking Alpha
Sentiment: Positive
SOFI's chart looks shaky after the failure to find support above $30, but I'm ignoring technicals: fundamentals point to accelerating earnings and a higher 2026 repricing despite recent equity dilution. SOFI's Loan Platform Business drives higher-margin, less rate-sensitive income, reducing reliance on traditional lending and enhancing earnings power. Despite recent equity dilution, capital raises are viewed as strategic moves to optimize the balance sheet and fuel technology expansion.
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SOFI Stock Skyrockets 82% in 6 Months: Buy, Hold or Sell?
Published: December 12, 2025 by: Zacks Investment Research
Sentiment: Positive
SoFi's 82% surge in six months spotlights soaring profitability, record loan growth and sharply raised 2025 guidance that could keep momentum alive.
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Can SoFi Do What JPMorgan Has Been Unable To In 226 Years?
Published: December 12, 2025 by: 24/7 Wall Street
Sentiment: Negative
JPMorgan Chase ( NYSE:JPM ) has shaped American finance for over two centuries, tracing its roots to 1799 and repeatedly stepping in as the “bank of last resort” to avert crises.
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Will SoFi Technologies (SOFI) Stock Hit $50 in 2026?
Published: December 12, 2025 by: 24/7 Wall Street
Sentiment: Neutral
Anthony Noto, the CEO of fintech firm SoFi Technologies (NASDAQ:SOFI), envisions scaling SoFi into a trillion-dollar company.
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The Big 3: GOOGL, CRML, SOFI
Published: December 08, 2025 by: Schwab Network
Sentiment: Positive
Aquiles Larrea makes the case for a 7,400 SPX being in the crosshairs into 2026 with the tech trade bolstering index strength. He highlights Alphabet's (GOOGL) A.I.
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SoFi: Dilution Hammers Shares, But Accretion Is The Name Of The Game
Published: December 08, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi Technologies, Inc. remains in long-term growth mode but is richly valued at a mid-70s FWD EPS multiple. A surprising $1.5 billion share offering raises substantial questions about SOFI's capital allocation despite a strong balance sheet. Q3 results were robust with net revenue up 38% YoY and tangible book value per share rising to $5.97, cash flows strong, raising questions about the need for dilution.
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SoFi: A Fintech Evolution That's Paying Off
Published: December 08, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi Technologies has rapidly evolved into a leading full-service digital bank, boasting $30 billion in deposits and robust profitability. SoFi's integrated platform, strong execution, and disciplined cost control drive impressive growth, with Q3 2025 revenue and EBITDA exceeding expectations. Despite rich valuation and macroeconomic risks, SoFi's self-funded model, expanding fee-based ecosystem, and operating leverage set it apart from peers.
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What's Next After Sofi Stock's 117% Surge?
Published: December 08, 2025 by: Forbes
Sentiment: Positive
In the past six months, SoFi's (NASDAQ:SOFI) share price has increased by approximately 101%, indicating a significant re-rating by investors. In its latest reported quarter (Q3 2025), the company reported adjusted net revenue of around USD 950–962 million, reflecting an increase of about 38% compared to the previous year.
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SOFI Sells Off Over $1.5B Common Shares Sale
Published: December 05, 2025 by: Schwab Network
Sentiment: Negative
SoFi Technologies (SOFI) stalled its stellar 2025 run on Friday when the company announced a $1.5 billion stock offering. George Tsilis calls the practice a common, and at times healthy occurrence for growing companies, but believes investors are wary of SoFi's financials.
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Investors Have Bid SoFi Stock Up All Year. Now They're Backing Off
Published: December 05, 2025 by: Investopedia
Sentiment: Positive
SoFi's been on a winning streak. Today's it's taking a breather.
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SoFi's Blockchain Remittance Push Signals New Growth Phase
Published: December 04, 2025 by: Zacks Investment Research
Sentiment: Positive
SOFI's blockchain push aims to speed up cross-border transfers, cut fees and deepen user engagement across its growing financial ecosystem.
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XP vs. SOFI: Which Stock Is the Better Value Option?
Published: December 03, 2025 by: Zacks Investment Research
Sentiment: Positive
Investors interested in Financial - Miscellaneous Services stocks are likely familiar with XP Inc.A (XP) and SoFi Technologies, Inc. (SOFI). But which of these two stocks is more attractive to value investors?
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SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
Published: December 03, 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.
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Buy 5 Financial Technology Ginats Amid Fed Rate Cut Hope in December
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Fed rate-cut hopes lift fintech outlook as HOOD, IBKR, FICO, SOFI and MCO gain momentum.
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Galileo Strengthens SoFi's Fintech Integration and Growth Path
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Positive
SOFI leverages Galileo's technology to accelerate innovation, enhance integration and sharpen its fintech edge as its earnings estimates rise.
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Palantir vs. SoFi: Which High-Growth Tech Stock is the Better Buy Now?
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive
PLTR's surging commercial momentum and rising profitability give it an edge as both tech innovators race for high-growth gains.
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SoFi Technologies: Remittances Blockchain To Further Accelerate Its Growth Flywheel
Published: November 26, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi Technologies continues to deliver strong growth, with Q3 2025 GAAP net revenue up 38% year-over-year and robust expansion in its Loan Platform Business. SOFI's platform model drives member growth, now at 12.6 million, and benefits from a diversified loan book, reducing reliance on student loans. The company is innovating with blockchain-powered international remittances via SoFi Pay, targeting the large US-Mexico market and enhancing its financial services ecosystem.
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Looking for Earnings Beat? Buy These 5 Top-Ranked Stocks
Published: November 19, 2025 by: Zacks Investment Research
Sentiment: Positive
Top-ranked stocks TakeTwo Interactive Software (TTWO), Allstate (ALL), SoFi Technologies (SOFI), Alkermes (ALKS) and Morgan Stanley (MS) are likely to beat on the bottom line in their upcoming releases.
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Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
Published: November 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
Cathie Wood Is Selling SoFi Stock. Should You?
Published: November 17, 2025 by: The Motley Fool
Sentiment: Positive
SoFi has the disruptive technology Wood usually looks for in an investment. Its platform is attracting a young user group that can grow with the platform over time.
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SoFi's Upgraded Outlook Driven by Strengthening Scalable Profitability
Published: November 17, 2025 by: Zacks Investment Research
Sentiment: Positive
SOFI lifts its 2025 outlook as scalable profitability boosts member growth, revenue expectations and tangible book value.
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SoFi's Overpriced Valuation Meets High Growth, Profitable Cadence
Published: November 14, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi has successfully delivered the diversified monetization capabilities as a fintech and a neobank, with it mitigating the risks from a rapidly changing macroeconomic environment. The fintech segment is increasingly becoming a bottom-line driver, with further growth likely thanks to the accelerating user acquisition and cross-selling trends. Its neobank capabilities remain robust, with the Fed's rate cut already triggering the expansion of loan originations, aided by the growing deposit base contributing to the lower funding costs.
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SoFi: Still Very Early In A Multi-Year Growth Story
Published: November 12, 2025 by: Seeking Alpha
Sentiment: Positive
SoFi Technologies (SOFI) remains a Strong Buy, driven by its integrated financial platform and exceptional growth in financial services. SOFI's Q3 results showed 37% revenue growth YoY, with financial services segment revenue up 76% and segment operating margins at 54%. Despite a high 75x earnings multiple, SOFI's rapid revenue and EPS growth justify its premium valuation compared to traditional banks.
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SoFi Debuts Crypto-Trading Platform For Consumers
Published: November 11, 2025 by: PYMNTS
Sentiment: Positive
SoFi Technologies said it has become the first nationally-chartered bank to offer consumer cryptocurrency trading. SoFiCrypto, announced by the digital financial services company Tuesday (Nov. 11), lets customers buy, sell and hold crypto such as Bitcoin, Ethereum and Solana.
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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