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Sofi Technologies Inc (SOFI)
NASDAQ:SOFI
SOFI Stock Chart & Stats
$19.10
-$0.35(-2.35%)
At close: 4:00 PM EST
$19.10
-$0.35(-2.35%)
Day’s Range― - ―
52-Week Range$8.60 - $32.73
Previous CloseN/A
Volume13.82M
Average Volume (3M)59.52M
Market Cap
$22.65B
Enterprise Value$20.34B
Total Cash (Recent Filing)$4.93B
Total Debt (Recent Filing)$1.82B
Price to Earnings (P/E)46.7
Beta2.33
Next Earnings
May 04, 2026EPS Estimate
0.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding1,275,263,800
10 Day Avg. Volume62,993,684
30 Day Avg. Volume59,515,085
Financial Highlights & Ratios
PEG Ratio-7.19
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap0.90
Enterprise Value/Revenue4.26
Enterprise Value/Gross Profit6.20
Enterprise Value/Ebitda14.77
Forecast
1Y Price Target
$25.96Price Target Upside35.92% Upside
Rating ConsensusHold
Number of Analyst Covering15
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.68B
Bulls Say, Bears Say
Bulls Say
Analyst Upgrades And Valuation EntryAnalyst upgrades to Overweight cite strong execution and a recent share pullback, presenting the stock as an attractive entry point for investors.
Member And Deposit GrowthStrong member additions and accelerating deposit growth outpace many fintech peers, supporting future revenue expansion and a healthier funding base.
Profitability From Loan Portfolio And Fee IncomeMeaningful reported earnings from a large on-balance-sheet loan portfolio combined with rising fee income from the technology platform and financial services support margin improvement.
Bears Say
Credit Quality DeteriorationAn uptick in delinquencies and loan losses reverses prior improvement and raises concerns about credit quality and potential pressure on net income.
Profitability Pressure From Investments And Guidance MissProvided guidance for adjusted profitability missed consensus and signals pressured margins from aggressive marketing and product investments, potentially undermining investor confidence.
Securitization Loss-trigger BreachesMultiple securitized loan trusts breached cumulative net loss triggers, which could require higher collateral or reduce investor appetite for future securitizations.
SoFi News
SOFI FAQ
What was Sofi Technologies Inc’s price range in the past 12 months?
Sofi Technologies Inc lowest stock price was $8.60 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 $22.65B.
When is Sofi Technologies Inc’s upcoming earnings report date?
Sofi Technologies Inc’s upcoming earnings report date is May 04, 2026 which is in 62 days.
How were Sofi Technologies Inc’s earnings last quarter?
Sofi Technologies Inc released its earnings results on Jan 30, 2026. The company reported $0.13 earnings per share for the quarter, beating the consensus estimate of $0.115 by $0.015.
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 0.12.
How many shares outstanding does Sofi Technologies Inc have?
Sofi Technologies Inc has 1,275,263,800 shares outstanding.
What happened to Sofi Technologies Inc’s price movement after its last earnings report?
Sofi Technologies Inc reported an EPS of $0.13 in its last earnings report, beating expectations of $0.115. Following the earnings report the stock price went down -6.363%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$25.96 (35.92% Upside)
$25.96 (35.92% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 70%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Increased
By 612.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $1.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.2%
Last 30 Days ▲ 2.1%
Last 30 Days ▲ 2.1%
News Sentiment
Very Bullish
Bullish news 86%
Bearish news 14%
Bearish news 14%
Technicals
SMA
Negative
20 days / 200 days
Momentum
26.22%
12-Months-Change
Fundamentals
Return on Equity
5.66%
Trailing 12-Months
Asset Growth
39.75%
Trailing 12-Months
Company Description
Sofi Technologies Inc
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.
SOFI Company Deck
SOFI Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strongly positive performance and outlook: record revenue, record adjusted EBITDA, rapid member/product growth, large originations and meaningful expansion of fee‑based and capital‑light revenue streams. Management highlighted major product innovations (crypto/stablecoin, payments, Smart Card) and a strengthened balance sheet. Headwinds were identified but framed as manageable: a key tech‑platform client exit, modest QoQ credit seasoning increases, slight fair‑value mark and NIM pressure, near‑term higher marketing/investment spend, and reliance on macro assumptions for guidance. Overall, the positive operational and financial momentum, clear path to higher fee‑based revenue and strong capital position outweigh the identified risks.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
$25.96
▲(35.92% Upside)
Technical Analysis
Ownership Overview
1.42% Insiders
13.05% Mutual Funds
3.59% Other Institutional Investors
69.06% Public Companies and Individual Investors