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SoFi (SOFI) Stock Price & Analysis

66,865 Followers

SOFI Stock Chart & Stats

$16.27-$0.10(-0.61%)
At close: 4:00 PM EST
$14$16$18Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 9
Day’s Range
$16.25 - $16.83
52-Week Range
$13.86 - $32.73
Previous Close
$16.37
Volume
N/A
Average Volume (3M)
53.25M
Market Cap
$21.25B
Enterprise Value
$21.73B
Total Cash (Recent Filing)
$7.80B
Total Debt (Recent Filing)
$3.98B
Price to Earnings (P/E)
28.1
Beta
2.36
Next Earnings
Feb 01, 2027 (Est.)
EPS Estimate
0.19
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Profitability And Revenue Scaling

SoFi has moved from losses to meaningful profitability while continuing to scale revenue. The combination of positive net income, strong operating margins, and substantial year-over-year growth indicates improving operating leverage and provides greater capacity to reinvest in products, technology, and customer acquisition.

Multi-product Member Expansion

Rapid member and product growth is strengthening SoFi’s platform economics and customer engagement. Rising products per member and greater multi-product adoption can support recurring fee, interchange, and lending revenue while increasing retention and lowering reliance on any single financial product over time.

Capital, Deposits, And Credit Strength

Strong capitalization, expanding deposits, and improving credit performance provide a supportive foundation for continued lending growth. Deposit funding can enhance balance-sheet stability, while capital well above regulatory requirements gives SoFi room to absorb credit volatility and fund planned expansion without raising additional capital.

Bears Say

Deeply Negative Cash Generation

The gap between reported earnings and cash generation is a material fundamental weakness. Persistently negative operating and free cash flow can increase dependence on balance-sheet funding, make growth more capital intensive, and reduce financial flexibility if lending conditions or credit performance deteriorate.

Rising Total Debt

Although leverage remains moderate because equity has also grown, the sharp increase in absolute debt adds a continuing balance-sheet obligation. Higher debt can constrain future capital allocation and increase sensitivity to funding costs, particularly while SoFi is expanding assets and maintaining negative cash flow.

Technology Platform Client Transition

The large-client transition creates a near-term structural setback for SoFi’s B2B technology platform, an important diversification business. Even with 18% growth excluding that client, the reported decline highlights customer-concentration and execution exposure while the segment works to restore its targeted growth rate.

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 $21.25B.
When is SoFi’s upcoming earnings report date?
SoFi’s next earnings report is estimated for Feb 01, 2027 (not yet confirmed), which is in 81 days.
How were SoFi’s earnings last quarter?
SoFi released its earnings results on Oct 27, 2026. The company reported $0.18 earnings per share for the quarter, beating the consensus estimate of $0.162 by $0.018.
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 0.19.
How many shares outstanding does SoFi have?
SoFi has 1,297,840,500 shares outstanding.
What happened to SoFi’s price movement after its last earnings report?
SoFi reported an EPS of $0.18 in its last earnings report, beating expectations of $0.162. Following the earnings report the stock price went up 13.416%.
Which hedge fund is a major shareholder of SoFi?
Hedge funds hold SoFi shares: the largest hedge-fund position in SoFi is 71,886,570 shares, and hedge funds increased their holdings by 2.9M shares last quarter.
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