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SOFI Stock Chart & Stats
$19.00
-$0.19(-1.14%)
At close: 4:00 PM EDT
$19.00
-$0.19(-1.14%)
Day’s Range― - ―
52-Week Range$13.86 - $32.73
Previous CloseN/A
Volume92.99M
Average Volume (3M)46.54M
Market Cap
$19.24B
Enterprise Value$24.08B
Total Cash (Recent Filing)$7.35B
Total Debt (Recent Filing)$3.41B
Price to Earnings (P/E)29.2
Beta2.44
Next Earnings
Oct 27, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding1,291,570,300
10 Day Avg. Volume47,688,665
30 Day Avg. Volume46,541,307
Financial Highlights & Ratios
PEG Ratio-7.17
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap1.25
Enterprise Value/Revenue4.31
Enterprise Value/Gross Profit5.64
Enterprise Value/Ebitda24.07
Forecast
1Y Price Target
$20.66Price Target Upside8.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering18
EPS Forecast (FY)0.59
Revenue Forecast (FY)$4.87B
Bulls Say, Bears Say
Bulls Say
Profitability And Revenue GrowthStrong revenue growth alongside expanding EBITDA and net income indicates improving operating leverage and business quality. If sustained, this profitability inflection can support reinvestment, strengthen capital formation, and improve the durability of earnings across lending and fee-based operations.
Member And Product ExpansionRapid member and product growth expands SoFi’s customer base while rising products-per-member and cross-buy demonstrate deeper engagement. A broader relationship with each member can increase recurring fee activity, improve retention, and diversify revenue beyond lending over time.
Balance Sheet And Funding StrengthGrowing deposits provide a substantial funding base for lending, while higher tangible book value and capital levels improve resilience. This balance-sheet scale can support future origination growth and reduce dependence on less stable funding as the platform expands.
Bears Say
Persistent Cash ConsumptionDeeply negative operating and free cash flow create a lasting disconnect between reported earnings and cash generation. Continued cash consumption can increase reliance on external funding or balance-sheet capacity, limiting flexibility if credit conditions or growth opportunities change.
Growth DecelerationThe shift from very high historical growth to single-digit TTM expansion raises questions about the pace of future operating leverage. If slower growth persists, SoFi may have less ability to absorb investment spending and sustain its targeted profitability trajectory.
Competitive Lending PricingGreater competition in unsecured lending can force tighter pricing or higher customer acquisition costs, reducing returns even when loan demand remains strong. Sustaining attractive economics will require disciplined underwriting, funding advantages, and careful pricing decisions.
SoFi News
SOFI FAQ
What was SoFi’s price range in the past 12 months?
SoFi lowest stock price was $13.86 and its highest was $32.73 in the past 12 months.
What is SoFi’s market cap?
SoFi’s market cap is $19.24B.
When is SoFi’s upcoming earnings report date?
SoFi’s upcoming earnings report date is Oct 27, 2026 which is in 4 days.
How were SoFi’s earnings last quarter?
SoFi released its earnings results on Jul 29, 2026. The company reported $0.12 earnings per share for the quarter, beating the consensus estimate of $0.108 by $0.012.
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 0.17.
How many shares outstanding does SoFi have?
SoFi has 1,291,570,300 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 $0.108. Following the earnings report the stock price went down -8.901%.
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
Neutral
1
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5
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8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$20.66 (8.72% Upside)
$20.66 (8.72% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 79%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Decreased
By 26.3K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.6%
Last 30 Days ▼ 1.5%
Last 30 Days ▼ 1.5%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-48.17%
12-Months-Change
Fundamentals
Return on Equity
6.18%
Trailing 12-Months
Asset Growth
48.25%
Trailing 12-Months
Learn more about TipRanks 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.
SOFI Company Deck
SOFI Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong set of operating and financial results: robust top-line growth (+40% YoY), record member and product additions, record loan originations, improving credit metrics, expanding fee-based and platform businesses, and materially higher tangible book value. Management raised revenue guidance while maintaining disciplined capital and reinvesting incremental revenue into new growth initiatives (SoFi Plus, Coach, Big Business Banking, SMB, STS). Principal negatives were a higher-than-expected tax rate that reduced EPS, modest declines in fair-value loan marks driven by higher discount rates, and selective unfulfilled loan-platform demand due to capital/prioritization decisions. Overall, positives materially outweigh the challenges, with strong momentum and visible paths to longer-term return targets.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
$20.66
▲(8.72% Upside)
Technical Analysis
Capital One Financial
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Ally Financial
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Synchrony Financial
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OneMain Holdings
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Affirm Holdings
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Ownership Overview
1.37% Insiders
11.34% Mutual Funds
1.12% Other Institutional Investors
72.33% Public Companies and Individual Investors