SoFi (SOFI) Stock Price & Analysis
SOFI Stock Chart & Stats
- Day’s Range
- MXN 312.12 - MXN 317.99
- 52-Week Range
- MXN 258.00 - MXN 600.00
- Previous Close
- MXN 316.10
- Volume
- 10.14K
- Average Volume (3M)
- 13.59K
- Market Cap
- MXN 406.79B
- Enterprise Value
- MXN 21.73B
- Total Cash (Recent Filing)
- MXN 7.35B
- Total Debt (Recent Filing)
- MXN 3.41B
- Price to Earnings (P/E)
- 28.9
- Beta
- 0.32
- Next Earnings
- Feb 01, 2027 (Est.)
- EPS Estimate
- 3.61
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Platform Engagement
Rapid member and product growth shows increasing adoption of SoFi’s multi-product financial platform. Rising products per member and greater use of two or more products can deepen relationships, improve cross-selling, and support recurring fee and interchange revenue over the next several quarters.
Profitable Growth
SoFi is demonstrating operating leverage as strong revenue growth converts into expanding profitability. Record EBITDA and net income, alongside raised 2026 guidance and a positive 2027 outlook, indicate that the business model is scaling rather than relying solely on top-line expansion.
Capital And Funding Strength
A substantial capital buffer and expanding deposits strengthen SoFi’s ability to fund lending growth internally and absorb stress. Management said existing capital and organic generation can fund planned 2027 growth without additional capital, supporting financial flexibility and balance-sheet resilience.
Bears Say
Negative Cash Generation
Deeply negative operating and free cash flow creates a material disconnect between reported profitability and cash generation. If this persists, SoFi may depend more heavily on external funding or balance-sheet capacity, reducing flexibility to invest, withstand credit stress, or return capital.
Technology Client Transition
The large-client transition demonstrates that reported Technology Platform revenue remains exposed to customer concentration or contract changes. Although underlying revenue excluding that client grew 18%, the reported decline can weigh on diversification, recurring growth, and segment contribution until replacement growth scales.
Lower Monetization Mix
A falling average revenue per product could moderate monetization even while user and product counts expand. The planned shift toward lower-revenue Financial Services products places greater pressure on scale, cross-selling, and engagement to offset weaker unit economics and sustain margin expansion.
SoFi News
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SoFi Stock Smart Score
Company Description
SoFi
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Anthony J. Noto
- Employees
- 6,100
- Website
- www.sofi.com
- Address
- 234 1st Street, San Francisco, CA, 94105, US
SoFi (SOFI) Earnings & Revenues
SOFI Company Deck
SOFI Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. Highlights substantially outweighed the limited challenges: SoFi reported record revenue, EBITDA, net income, member and product growth, improved credit performance, strong capital and deposit growth, raised 2026 guidance, and issued an optimistic 2027 outlook despite an unexpectedly higher-rate environment. The principal negatives were the Technology Platform revenue decline tied to a large-client transition, Q3 SoFi Plus growth below expectations, fair value mark losses that were largely hedged, a planned shift toward lower-revenue-per-product businesses, and moderation in the mix of personal loan origination growth.
View all MX:SOFI earnings summariesSOFI Net sales Breakdown
- 95.54% U.S.
- 4.46% All foreign countries
SOFI Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 3 | 3 | 4 |
| Moving Averages | 11 | 0 | 1 |
