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Sofi Technologies Inc (SOFI)
NASDAQ:SOFI
SOFI Stock Chart & Stats
$20.75
-$0.35(-2.35%)
At close: 4:00 PM EST
$20.75
-$0.35(-2.35%)
Day’s Range― - ―
52-Week Range$8.60 - $32.73
Previous CloseN/A
Volume13.82M
Average Volume (3M)48.21M
Market Cap
$26.15B
Enterprise Value$21.63B
Total Cash (Recent Filing)$5.64B
Total Debt (Recent Filing)$2.81B
Price to Earnings (P/E)51.1
Beta2.29
Next Earnings
May 04, 2026EPS Estimate
0.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding1,260,448,500
10 Day Avg. Volume63,492,677
30 Day Avg. Volume48,214,460
Financial Highlights & Ratios
PEG Ratio-0.14
Price to Book (P/B)2.48
Price to Sales (P/S)4.37
P/FCF Ratio-12.60
Enterprise Value/Market Cap0.83
Enterprise Value/Revenue4.87
Enterprise Value/Gross Profit6.57
Enterprise Value/Ebitda23.21
Forecast
1Y Price Target
$26.05Price Target Upside25.54% Upside
Rating ConsensusHold
Number of Analyst Covering14
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Business Mix And ProfitabilityShift toward capital-light, fee-oriented businesses combined with a scaling loan platform is generating meaningful GAAP profitability and expanding higher-margin revenue streams.
Customer Growth And DepositsStrong member additions and rapid deposit growth outpace many fintech peers, supporting higher net interest income and improved customer monetization potential.
Guidance And Analyst OutlookManagement issued medium-term growth targets and guidance that imply revenue and earnings expansion above consensus, prompting analyst upgrades and renewed investor interest.
Bears Say
Credit Quality RiskAn uptick in credit delinquencies and loan losses raises concerns about credit quality and the potential for pressure on net interest income if consumer credit conditions deteriorate.
Near-term Profitability GuidanceNear-term guidance points to softer quarterly profitability as aggressive marketing and product investments weigh on margins, increasing execution risk for the expected earnings ramp.
Technology Platform RiskTechnology platform growth remains subdued and the loss of a major customer reduced platform accounts, creating a tangible headwind to fee revenue and platform scalability assumptions.
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 $26.15B.
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 86 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 1,260,448,500 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:
$26.05 (25.54% Upside)
$26.05 (25.54% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 89%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 765.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $99.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 0.3%
Last 30 Days ▼ 3.7%
Last 30 Days ▼ 3.7%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.62%
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
$26.05
▲(25.54% Upside)
Technical Analysis
Ownership Overview
1.41% Insiders
13.04% Mutual Funds
0.14% Other Institutional Investors
72.87% Public Companies and Individual Investors