Several Wall Street analysts, including those at Citi, Goldman Sachs, and Barclays, raised their price targets for SoFi Technologies (SOFI) stock following the fintech company’s upbeat third-quarter results. Notably, the company reported an impressive 905,000 member additions for Q3 2025, boosting its total member base by 35% to 12.6 million. SOFI stock has rallied by an impressive 105% year to date.
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Analysts Raise Price Targets for SOFI Stock on Strong Q3 Earnings, Outlook
Citi analyst Peter Christiansen raised his price target for SoFi Technologies stock to $37 from $28 and reiterated a Buy rating in reaction to the impressive Q3 print and upgraded guidance. The 4-star analyst believes that SoFi Technologies’ credit and third-party momentum are “hard to ignore.”
Meanwhile, Goldman Sachs analyst Michael Ng raised his price target for SOFI stock to $27 from $24, while maintaining a Hold rating. The 4-star analyst noted that the solid beat-and-raise quarter was driven by record originations, robust loan platform growth, and accelerating member gains.
Ng added that the company’s performance was also boosted by faster-than-expected balance sheet expansion, supported by summer capital raises and favorable private-market funding conditions. The analyst contended that while credit trends in recent securitizations warrant monitoring, lower funding costs and stable capital markets position SOFI for potential net interest margin expansion and further rise in estimates.
Likewise, Barclays analyst Terry Ma raised the price target for SoFi Technologies stock to $23 from $21 and reiterated a Hold rating, noting that the company reported better-than-expected results across its three segments (Loan Platform, Financial Services, and Technology Platform) on revenues and contribution profit. Ma noted that this outperformance was driven by larger-than-anticipated originations, resulting in a significant beat in SOFI’s Financial Services segment.
Is SOFI Stock a Good Buy Now?
Despite impressive results, many analysts are cautious on SOFI stock due to valuation concerns. Wall Street’s Hold consensus rating for SoFi Technologies stock is based on five Buys, eight Holds, and three Sell recommendations. The average SOFI stock price target of $23.27 indicates a downside risk of about 26% from current levels.
