SoFi (SOFI)
NASDAQ:SOFI
Want to see SOFI full AI Analyst Report?
SOFI Stock Chart & Stats
$19.43
-$0.35(-2.35%)
At close: 4:00 PM EST
$19.43
-$0.35(-2.35%)
Day’s Range― - ―
52-Week Range$12.43 - $32.73
Previous CloseN/A
Volume13.82M
Average Volume (3M)61.09M
Market Cap
$20.66B
Enterprise Value$18.81B
Total Cash (Recent Filing)$4.93B
Total Debt (Recent Filing)$1.82B
Price to Earnings (P/E)30.4
Beta2.31
Next Earnings
Aug 04, 2026EPS Estimate
0.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.41
Shares Outstanding1,275,263,800
10 Day Avg. Volume47,576,747
30 Day Avg. Volume61,093,280
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 Cap0.91
Enterprise Value/Revenue3.94
Enterprise Value/Gross Profit5.25
Enterprise Value/Ebitda24.75
Forecast
1Y Price Target
$21.94Price Target Upside12.92% Upside
Rating ConsensusHold
Number of Analyst Covering19
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.67B
Bulls Say, Bears Say
Bulls Say
Customer Growth And DepositsFaster member additions and deposit growth compared with many fintech peers, supported by substantial marketing and product investment, should improve customer economics and support revenue expansion.
Funding And LiquidityExpanded access to funding, including commitments from a global bank, an insurance group, and a top global private asset manager, increases diversity of funding sources for the loan platform and reduces reliance on a single channel.
Profitability And Revenue MixMeaningful GAAP earnings from a large on-balance loan portfolio combined with expanding fee income from the technology platform and financial services provide multiple levers for margin improvement.
Bears Say
Accounting And Governance ScrutinyActivist short-seller allegations that a loan sale may have been structured as a refinancing and that valuation assumptions understate credit losses raise the prospect of heightened regulatory and investor scrutiny and potential accounting reviews.
Credit And Securitization RiskLoan trusts showing losses above long-term trends and instances of trusts breaching cumulative net loss triggers could weaken investor demand for future securitizations and lead to additional collateral requirements.
Guidance And Technology Platform GrowthGuidance that missed consensus coupled with subdued technology platform growth increases pressure on profitability and creates uncertainty about the timeline and economics for scaling new products.
SoFi News
SOFI FAQ
What was SoFi’s price range in the past 12 months?
SoFi lowest stock price was $12.43 and its highest was $32.73 in the past 12 months.
What is SoFi’s market cap?
SoFi’s market cap is $20.66B.
When is SoFi’s upcoming earnings report date?
SoFi’s upcoming earnings report date is Aug 04, 2026 which is in 91 days.
How were SoFi’s earnings last quarter?
SoFi released its earnings results on Apr 29, 2026. The company reported $0.12 earnings per share for the quarter, beating the consensus estimate of $0.119 by $0.001.
Is SoFi overvalued?
According to Wall Street analysts SoFi’s price is currently Undervalued.
Does SoFi pay dividends?
SoFi does not currently pay dividends.
What is SoFi’s EPS estimate?
SoFi’s EPS estimate is 0.12.
How many shares outstanding does SoFi have?
SoFi has 1,275,263,800 shares outstanding.
What happened to SoFi’s price movement after its last earnings report?
SoFi reported an EPS of $0.12 in its last earnings report, beating expectations of $0.119. Following the earnings report the stock price went down -15.441%.
Which hedge fund is a major shareholder of SoFi?
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:
$21.94 (12.92% Upside)
$21.94 (12.92% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 93%
Sector Average ―
Sector Average ―
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 ▲ 1.2%
Last 30 Days ▲ 2.5%
Last 30 Days ▲ 2.5%
News Sentiment
Very Bullish
Bullish news 80%
Bearish news 20%
Bearish news 20%
Technicals
SMA
Negative
20 days / 200 days
Momentum
76.95%
12-Months-Change
Fundamentals
Return on Equity
6.25%
Trailing 12-Months
Asset Growth
42.25%
Trailing 12-Months
Company Description
SoFi
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized robust top-line acceleration, record originations, strong profitability and capital strength, alongside strategic progress in crypto and technology. Key near-term headwinds include a lost large tech platform client, modest fair value mark pressure due to higher benchmark rates, and accelerated marketing spend in H1. Overall, the positive operating momentum, record metrics, and solid capital position outweigh the transitory challenges noted by management.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
$21.94
▲(12.92% Upside)
Technical Analysis
Ownership Overview
1.45% Insiders
14.42% Mutual Funds
1.97% Other Institutional Investors
69.19% Public Companies and Individual Investors