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SOFI Stock Chart & Stats
$16.46
-$0.19(-1.14%)
At close: 4:00 PM EDT
$16.46
-$0.19(-1.14%)
Day’s Range― - ―
52-Week Range$14.88 - $32.73
Previous CloseN/A
Volume92.99M
Average Volume (3M)82.25M
Market Cap
$21.13B
Enterprise Value$24.08K
Total Cash (Recent Filing)$6.45B
Total Debt (Recent Filing)$1.91B
Price to Earnings (P/E)32.0
Beta2.47
Next Earnings
Nov 03, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.48
Shares Outstanding1,282,741,200
10 Day Avg. Volume84,520,895
30 Day Avg. Volume82,247,360
Financial Highlights & Ratios
PEG Ratio-7.17
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$20.00Price Target Upside21.51% Upside
Rating ConsensusHold
Number of Analyst Covering15
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.83B
Bulls Say, Bears Say
Bulls Say
Member & Product GrowthSustained large member additions and accelerating products-per-member indicate durable organic growth and stronger monetization. Higher cross-sell reduces acquisition dependency, raises lifetime value, and supports recurring fee revenue and deposit growth over the next several quarters.
Diversified Fee & Platform RevenueGrowing fee and platform lines create capital-light, recurring revenue that is less sensitive to credit cycles than lending. Expansion in Galileo/partner loan revenue and non-lending products improves margin stability and provides multiple, scalable growth vectors beyond interest income.
Stronger Balance Sheet And Capital RatiosMaterial de-risking via lower leverage, much higher tangible equity and a healthy capital ratio enhances financial flexibility. This reduces refinancing and regulatory risk, supports originations and platform commitments, and provides buffer if macro or funding costs tighten.
Bears Say
Weak Operating & Free Cash FlowPersistent large negative operating and free cash flows indicate the business has not converted accounting profits into durable cash generation. This necessitates ongoing reliance on external funding or deposits, constrains organic reinvestment, and raises funding risk if markets or deposit growth slow.
Competitive Pressure In LendingSustained intensity in unsecured lending can compress net interest margins and require higher acquisition spending to preserve volumes. Even with funding advantages, competitive pricing dynamics could depress lending returns and slow margin expansion over the medium term.
Unfilled Platform Demand Due To Capital ChoicesManagement’s choice to prioritize capital for certain commitments left platform demand unmet, signaling capacity or capital-allocation constraints. That limits near-term capture of capital-light fee revenue and highlights execution trade-offs that could slow platform monetization.
SoFi News
SOFI FAQ
What was Sofi Technologies Inc’s price range in the past 12 months?
Sofi Technologies Inc lowest stock price was $14.88 and its highest was $32.73 in the past 12 months.
What is Sofi Technologies Inc’s market cap?
Sofi Technologies Inc’s market cap is $21.13B.
When is Sofi Technologies Inc’s upcoming earnings report date?
Sofi Technologies Inc’s upcoming earnings report date is Nov 03, 2026 which is in 94 days.
How were Sofi Technologies Inc’s earnings last quarter?
Sofi Technologies Inc released its earnings results on Jul 29, 2026. The company reported $0.12 earnings per share for the quarter, beating the consensus estimate of $0.108 by $0.012.
Is Sofi Technologies Inc overvalued?
According to Wall Street analysts Sofi Technologies Inc’s price is currently Undervalued.
Does Sofi Technologies Inc pay dividends?
Sofi Technologies Inc does not currently pay dividends.
What is Sofi Technologies Inc’s EPS estimate?
Sofi Technologies Inc’s EPS estimate is 0.17.
How many shares outstanding does Sofi Technologies Inc have?
Sofi Technologies Inc has 1,282,741,200 shares outstanding.
What happened to Sofi Technologies Inc’s price movement after its last earnings report?
Sofi Technologies Inc reported an EPS of $0.12 in its last earnings report, beating expectations of $0.108. Following the earnings report the stock price went down -8.901%.
Which hedge fund is a major shareholder of Sofi Technologies Inc?
Currently, no hedge funds are holding shares in SOFI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
SoFi Stock Smart Score
Neutral
1
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$20.00 (21.51% Upside)
$20.00 (21.51% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 84%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 378.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $749.2K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 0.2%
Last 30 Days ▲ 0.2%
News Sentiment
Very Bullish
Bullish news 85%
Bearish news 15%
Bearish news 15%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-20.37%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
48.25%
Trailing 12-Months
Company Description
Sofi Technologies Inc
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
SOFI Company Deck
SOFI Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong set of operating and financial results: robust top-line growth (+40% YoY), record member and product additions, record loan originations, improving credit metrics, expanding fee-based and platform businesses, and materially higher tangible book value. Management raised revenue guidance while maintaining disciplined capital and reinvesting incremental revenue into new growth initiatives (SoFi Plus, Coach, Big Business Banking, SMB, STS). Principal negatives were a higher-than-expected tax rate that reduced EPS, modest declines in fair-value loan marks driven by higher discount rates, and selective unfulfilled loan-platform demand due to capital/prioritization decisions. Overall, positives materially outweigh the challenges, with strong momentum and visible paths to longer-term return targets.View all SOFI earnings summariesSOFI Net revenue Breakdown
95.54% U.S.
4.46% All foreign countries
SOFI Stock 12 Month Forecast
Average Price Target
$20.00
▲(21.51% Upside)
Technical Analysis
Ownership Overview
1.44% Insiders
11.41% Mutual Funds
2.09% Other Institutional Investors
71.39% Public Companies and Individual Investors