Education
About Us
Working with TipRanks
Follow Us
SoFi (SOFI)
NASDAQ:SOFI
SOFI Analyst Ratings
Hold
5 Buy
11 Hold
4 Sell
TipRanks enables you to focus on the analyst rating consensus of all analysts or only the top performers in the past 3 months
SOFI Stock 12 Month Forecast
Average Price Target
$20.06
▼(-15.75% Downside)
| Highest Price Target$27.00 | Average Price Target$20.06 | Lowest Price Target$6.00 |
The highest, average, and lowest price target of all analysts. Click on ‘Top Analysts’ to focus on the best performers.
Detailed List of Analyst Forecasts
Detailed List of Analyst Forecasts
William Blair
―
Buy
―
Reiterated
08/05/25
SoFi's Strategic Growth and Financial Strength: A Buy RecommendationWe remain steadfastly bullish after traveling last week with SoFi CEO Anthony Noto and CFO Chris Lapointe. Our view is that the decision to raise $1.73 billion of fresh capital (including the over allotment) gives SoFi flexibility to pursue its growth goals and potential accretive M&A. Our expectation is that the new shares will not be dilutive, given our outlook for ongoing financial outperformance. We came away from investor meetings convinced that SoFi is enjoying excess demand across its product suite, and the addition of new offerings, like crypto, provide good visibility toward 20%+ 2026 revenue growth. Management’s target is 25% long-term organic revenue growth at 30% incremental EBITDA margin, which we see as achievable.
Truist Financial
$20→$23
Hold
-3.40%
Downside
Reiterated
08/04/25
BTIG
―
Hold
―
Reiterated
08/03/25
Redburn Atlantic
$20.5
Hold
-13.90%
Downside
Initiated
08/01/25
Deutsche Bank
$14→$21
Hold
-11.80%
Downside
Reiterated
07/31/25
Mizuho Securities
$20→$26
Buy
9.20%
Upside
Reiterated
07/31/25
TD Cowen
$21→$22
Hold
-7.60%
Downside
Reiterated
07/30/25
Compass Point
$6
Sell
-74.80%
Downside
Reiterated
07/30/25
J.P. Morgan
$16→$22
Hold
-7.60%
Downside
Reiterated
07/30/25
Barclays
$18→$21
Hold
-11.80%
Downside
Reiterated
07/30/25
TR | OpenAI - 4o
$24.5
Hold
2.90%
Upside
Downgraded
07/30/25
Needham
$25
Buy
5.00%
Upside
Reiterated
07/30/25
Strong Q2 Performance and Strategic Financial Moves Reinforce Buy Rating for SoFi Technologies9:42 AM 2025 PRICE TARGET & ESTIMATE CHANGE Payments/Software/Services SoFi Technologies Inc (SOFI) RATING BUY PRICE TARGET $25.00 from $20.00 PREV CLOSE $22.40 52-WEEK RANGE $6.01 - $25.11 2Q 2Q results came in well above both ours and Street expectations on both the top and bottom line, largely due to growth in the loan platform business which continues to accelerate as private credit demand remains rock solid. Shortly after reporting earnings, SOFI also raised ~$1.5 billion in common stock through a secondary offering. We estimate that this boosts total risk-based capital at the HoldCo by ~440 bps and takes capital to a level that we expect will help shares gain additional institutional sponsorship.
Morgan Stanley
$11→$13
Sell
-45.40%
Downside
Reiterated
07/30/25
Ranks
Any
Analyst Rating
Any
Upside/ Downside
Any
Action
Any
William Blair
―
Buy
―
Reiterated
08/05/25
SoFi's Strategic Growth and Financial Strength: A Buy RecommendationWe remain steadfastly bullish after traveling last week with SoFi CEO Anthony Noto and CFO Chris Lapointe. Our view is that the decision to raise $1.73 billion of fresh capital (including the over allotment) gives SoFi flexibility to pursue its growth goals and potential accretive M&A. Our expectation is that the new shares will not be dilutive, given our outlook for ongoing financial outperformance. We came away from investor meetings convinced that SoFi is enjoying excess demand across its product suite, and the addition of new offerings, like crypto, provide good visibility toward 20%+ 2026 revenue growth. Management’s target is 25% long-term organic revenue growth at 30% incremental EBITDA margin, which we see as achievable.
Truist Financial
$20→$23
Hold
-3.40%
Downside
Reiterated
08/04/25
BTIG
―
Hold
―
Reiterated
08/03/25
Redburn Atlantic
$20.5
Hold
-13.90%
Downside
Initiated
08/01/25
Deutsche Bank
$14→$21
Hold
-11.80%
Downside
Reiterated
07/31/25
Mizuho Securities
$20→$26
Buy
9.20%
Upside
Reiterated
07/31/25
TD Cowen
$21→$22
Hold
-7.60%
Downside
Reiterated
07/30/25
Compass Point
$6
Sell
-74.80%
Downside
Reiterated
07/30/25
J.P. Morgan
$16→$22
Hold
-7.60%
Downside
Reiterated
07/30/25
Barclays
$18→$21
Hold
-11.80%
Downside
Reiterated
07/30/25
TR | OpenAI - 4o
$24.5
Hold
2.90%
Upside
Downgraded
07/30/25
Needham
$25
Buy
5.00%
Upside
Reiterated
07/30/25
Strong Q2 Performance and Strategic Financial Moves Reinforce Buy Rating for SoFi Technologies9:42 AM 2025 PRICE TARGET & ESTIMATE CHANGE Payments/Software/Services SoFi Technologies Inc (SOFI) RATING BUY PRICE TARGET $25.00 from $20.00 PREV CLOSE $22.40 52-WEEK RANGE $6.01 - $25.11 2Q 2Q results came in well above both ours and Street expectations on both the top and bottom line, largely due to growth in the loan platform business which continues to accelerate as private credit demand remains rock solid. Shortly after reporting earnings, SOFI also raised ~$1.5 billion in common stock through a secondary offering. We estimate that this boosts total risk-based capital at the HoldCo by ~440 bps and takes capital to a level that we expect will help shares gain additional institutional sponsorship.
Morgan Stanley
$11→$13
Sell
-45.40%
Downside
Reiterated
07/30/25
Best Analysts Covering SoFi
1 Month
xxx
Success Rate
7/13 ratings generated profit
Average Return
-0.65%
reiterated a xxx
rating 17 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 1 Month would result in 53.85% of your transactions generating a profit, with an average return of -0.65% per trade.
3 Months
xxx
Success Rate
12/26 ratings generated profit
Average Return
+2.73%
reiterated a xxx
rating 17 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 3 Months would result in 46.15% of your transactions generating a profit, with an average return of +2.73% per trade.
1 Year
2 Years
xxx
Success Rate
21/26 ratings generated profit
Average Return
+80.34%
reiterated a xxx
rating 17 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 2 Years would result in 80.77% of your transactions generating a profit, with an average return of +80.34% per trade.
The Best Analyst Covering tool allows you to follow the analysts who have the best success rates and average returns on a specific stock. Only analysts that gave a Buy or Sell rating on the stock in the past 12 months are eligible for inclusion in this tool. Follow the analysts of your choice to receive real-time updates when they publish a new rating.
SOFI Analyst Recommendation Trends
Rating
Apr 25
May 25
Jun 25
Jul 25
Aug 25
Strong Buy
3
3
3
0
0
Buy
6
6
10
15
14
Hold
14
11
12
22
22
Sell
6
7
8
9
9
Strong Sell
1
0
0
1
1
total
30
27
33
47
46
Each month's total comprises the sum of three months' worth of ratings.
SOFI Financial Forecast
SOFI Stock Forecast FAQ
What is SOFI’s average 12-month price target, according to analysts?
Based on analyst ratings, SoFi’s 12-month average price target is 20.06.
What is SOFI’s upside potential, based on the analysts’ average price target?
Currently there's no upside potential for SOFI, based on the analysts’ average price target.
Can I see which stocks the top-ranking analysts are rating?
Yes, go to the Analysts’ Top Stocks tool to see stocks with a Strong Buy or Strong Sell analyst rating consensus, according to the top performers.
How can I follow the stock ratings of top Wall Street analysts?
Head over to our Expert Center to see a list of the top 100 Wall Street analysts and follow the analysts of your choice. Visit their profiles for more details about their stock ratings and see how they perform on a stock-by-stock basis.
Is SOFI a Buy, Sell or Hold?
SoFi has a consensus rating of Hold which is based on 5 buy ratings, 11 hold ratings and 4 sell ratings.
What is SoFi’s price target?
The average price target for SoFi is 20.06. This is based on 20 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $27.00 ,the lowest forecast is $6.00. The average price target represents -15.75% Decrease from the current price of $23.81.
The highest analyst price target is $27.00 ,the lowest forecast is $6.00. The average price target represents -15.75% Decrease from the current price of $23.81.
What do analysts say about SoFi?
SoFi’s analyst rating consensus is a Hold. This is based on the ratings of 20 Wall Streets Analysts.
How can I buy shares of SOFI?
Open a brokerage account, see exclusive account opening deals on our Best Online Brokers page.