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SOFI Stock Chart & Stats
$16.46
-$0.19(-1.14%)
At close: 4:00 PM EDT
$16.46
-$0.19(-1.14%)
Day’s Range― - ―
52-Week Range$14.88 - $32.73
Previous CloseN/A
Volume92.99M
Average Volume (3M)82.25M
Market Cap
$20.92B
Enterprise Value$24.08K
Total Cash (Recent Filing)$7.35B
Total Debt (Recent Filing)$3.41B
Price to Earnings (P/E)32.0
Beta2.47
Next Earnings
Nov 03, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding1,282,741,200
10 Day Avg. Volume84,520,895
30 Day Avg. Volume82,247,360
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$19.27Price Target Upside17.09% Upside
Rating ConsensusHold
Number of Analyst Covering13
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.84B
Bulls Say, Bears Say
Bulls Say
Diversified Fee & Platform RevenueMaterial and growing fee-based and platform revenue provides recurring, capital-light income that cushions lending cyclicality. Over the next 2–6 months this supports margin stability, higher revenue quality, and a scalable revenue base that requires less incremental funding than loan origination.
Large Member/product Growth & Cross-sellSustained member and product growth with rising products-per-member creates durable network effects and increases lifetime value. Strong cross-sell and accelerated product adoption imply lower marginal acquisition cost and steadier fee and deposit inflows over months ahead.
Improved Capital And Balance-sheet BuffersMarked improvement in tangible equity, deposits, and capital ratios materially reduces funding stress and regulatory risk. This stronger buffer supports loan growth, platform scaling, and investment in new products without immediate capital raises, enhancing durability of operations.
Bears Say
Deep Negative Operating And Free Cash FlowPersistent, large negative operating and free cash flow creates structural funding dependence despite reported profitability. Over 2–6 months this raises refinancing and liquidity risk, limits capacity to self-fund growth initiatives, and increases sensitivity to capital markets or deposit stress.
Earnings-to-cash DisconnectAn accounting profit that does not translate to cash weakens financial durability: working-capital, securitization timing, and mark adjustments can mask cash strain. This disconnect can force strategic trade-offs in growth, platform fulfillment, or capital return over coming quarters.
Competitive Pressure In Unsecured LendingSustained pricing competition in unsecured lending can compress NIMs and returns on originations. Even with deposit advantages, prolonged pricing pressure would challenge lending economics and long-term earning power, making growth less accretive unless offset by scale or product mix shifts.
SoFi News
SOFI FAQ
What was Sofi Technologies Inc’s price range in the past 12 months?
Sofi Technologies Inc lowest stock price was $14.88 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 $20.92B.
When is Sofi Technologies Inc’s upcoming earnings report date?
Sofi Technologies Inc’s upcoming earnings report date is Nov 03, 2026 which is in 87 days.
How were Sofi Technologies Inc’s earnings last quarter?
Sofi Technologies Inc 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 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 0.17.
How many shares outstanding does Sofi Technologies Inc have?
Sofi Technologies Inc has 1,282,741,200 shares outstanding.
What happened to Sofi Technologies Inc’s price movement after its last earnings report?
Sofi Technologies Inc 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 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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$19.27 (17.09% Upside)
$19.27 (17.09% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 84%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 378.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $749.2K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.5%
Last 30 Days ▼ 0.6%
Last 30 Days ▼ 0.6%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-20.37%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
48.25%
Trailing 12-Months
Company Description
Sofi Technologies Inc
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
$19.27
▲(17.09% Upside)
Technical Analysis
Ownership Overview
1.44% Insiders
11.41% Mutual Funds
2.44% Other Institutional Investors
71.01% Public Companies and Individual Investors