SoFi Stock Forecast (SOFI): Price Targets, Analyst Ratings and Outlook for 2026–2030

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SoFi Stock Forecast

Short answer: SoFi Technologies (SOFI) traded around $16.42 on September 24, 2026, about half of its all-time high. That peak was $32.73, reached on November 12, 2025. Wall Street’s consensus is Hold, and average 12-month price targets sit between roughly $20 and $22.50, depending on the data provider. That implies about 20% to 35% upside, but analysts disagree sharply on whether a loan-heavy fintech deserves a premium valuation while rates stay elevated.

Why is SOFI stock down so much this year?

The stock is down about 35% year-to-date, driven by worries about SoFi’s growing reliance on lending, which needs a lot of capital and carries credit risk in a tough macro backdrop. Other pressures piled on:

A short-seller report from Muddy Waters questioned the business model and accounting. SoFi denied the claims and called the report misleading. CEO Anthony Noto bought nearly $500,000 of stock afterward.
After Q1, investors were disappointed that full-year guidance wasn’t raised, and Technology segment revenue fell when a major client left the platform.
On September 23, shares slid about 3% after an insider filed a Form 144 notice of a planned sale. A Form 144 is only a notice, not a completed sale.

There was good news too. On September 22, SoFi jumped nearly 5% when its stablecoin settlement launch with Mastercard went live. SoFi Bank is migrating its entire $25 billion card program to stablecoin settlement.

What do Wall Street analysts say about SOFI?

The consensus is Hold, but the exact numbers vary by aggregator because each counts a different set of analysts and dates:

MarketBeat: nine Buy, 11 Hold and three Sell ratings, with a consensus target of $22.52.
TipRanks: 17 analysts, a Hold consensus, an average target of $20.67, and a range from $15 to $30.
S&P Global data: 26 analysts, a Hold consensus and an average target of $20.34, with a low of $12 and a high of $30.

The individual calls show the split:

Loop Capital (Hold, $22): Analyst Reginald Smith calls SoFi a leading digital bank with the best client-acquisition and deposit-gathering platform among mid-size banks. He expects low- to mid-20% revenue and EBITDA growth in 2027 and 2028, but stays neutral because of rate-hike risk.
Piper Sandler and Needham: Piper Sandler started coverage at Overweight with a $22 target, and Needham kept a Buy with a $24 target.
Wells Fargo: It trimmed its target to $17.
Morgan Stanley (Sell): It cut its target to $16 after Q1, citing a slowdown in capital-light businesses.

Quant-style ratings are less bullish. Zacks had SoFi at Rank #3 (Hold) in late June, and that rank changes often.

What do the Q2 2026 earnings say about SoFi’s financial performance?

The business itself is growing quickly. In the second quarter, GAAP net revenue rose 43% to $1.22 billion. Adjusted EBITDA rose 44% to $357.8 million, a 30% margin. Net income was $156.6 million, or $0.12 per share. Analysts had expected $0.11.

The details worth knowing:

Members and products: Members grew 35% to 15.8 million, products grew 42% to 24.4 million, and 51% of new products came from existing members.
Lending: Record originations of $14.8 billion, up 69%, including student loan volume of $2.7 billion, up 170%.
Funding: Deposits reached $45.5 billion and the net interest margin was 5.98%. Cheap deposits are the core of the bull case.
Fee income: Fee-based revenue was $472.3 million, or 39% of total revenue.
The weak spot: Technology Platform revenue (the Galileo-era business, now branded SoFi Tech Solutions) fell 23% year over year to $84.5 million after a large client left.
Spending: Sales and marketing expense was $392 million, up from $265 million a year earlier. That is roughly 32% of revenue, so growth is not cheap.

FY26 guidance: Management raised its adjusted net revenue outlook to $4.75–$4.85 billion (32% to 35% growth). It kept adjusted EBITDA near $1.6 billion, adjusted net income near $825 million and adjusted EPS near $0.60. Source: TradingView

SOFI stock forecast for the rest of 2026 and 2027

Short answer: No one can reliably call a year-end price, but earnings estimates are rising while the share price falls. The FY2027 consensus EPS has climbed from about $0.78 to $0.83 in 90 days. Analysts model roughly $6.16 billion in FY2027 revenue.

At $16.42, SOFI trades at about 27 times the $0.60 guided 2026 EPS and about 20 times 2027 consensus (my arithmetic). Here is what different valuation multiples on that 2027 EPS would imply over the next 12 months:

Scenario	Forward P/E	Implied price	vs. $16.42
Bear: rates rise, credit worsens	15x	~$12	~ −24%
Base: guidance met, multiple holds	22x	~$18	~ +11%
Bull: beats and rate relief	30x	~$25	~ +52%

These are illustrations, not predictions. Their range does line up with the analyst low and high of $12 and $30.

SOFI long-term stock forecast: 2028 to 2030

Management’s medium-term aim is an adjusted EPS CAGR of 38% to 42% from 2025 to 2028, per coverage of the company’s outlook. A more conservative outside model projects revenue growing about 16% a year and net income about 27% a year over the next eight years.

Here is a simple 2030 framework:

2030 scenario	EPS	P/E	Implied price	Implied EPS CAGR from 2026
Bear	$1.00	14x	~$14	~14%
Base	$1.50	18x	~$27	~26%
Bull	$2.00	22x	~$44	~35%

One caution most forecasts skip is dilution. Common shares outstanding rose from about 1.11 billion to 1.29 billion in a year. That is about 16%, so per-share earnings must outrun net income growth. The same math applies to any five-year outlook.

Bull and bear views on SOFI

The bull case

Members and products are growing 35% to 42% a year, and cross-selling is accelerating.
Deposits fund lending at a much lower cost than warehouse lines. The average deposit rate was 156 basis points below the warehouse rate.
Capital is strong. The CET1 ratio was 18.7%.
Earnings estimates keep rising.

The bear case

The stock still carries a premium multiple, and sales and marketing costs are heavy.
Lending is a larger share of the mix, so credit and rate shocks matter more.
Benchmark rates rose in Q2 (the two-year SOFR benchmark for personal loans moved from 3.62% to 3.99%), which pressures loan valuations.
The Technology Platform segment is shrinking, and insider selling and short-seller allegations weigh on sentiment.

What could move SOFI stock next?

Q3 earnings: SoFi usually reports in late October, so confirm the date on its investor relations page.
Interest rates: Rate-hike talk hurts SoFi more than rate cuts help it.
Credit quality: The personal loan charge-off rate was 2.62% in Q2. Watch whether it holds.
Loan Platform Business demand: Partners took $3.1 billion of personal loans in Q2. This capital-light channel is a key test.
Regulation and student lending policy: Federal student loan changes can push private student loan demand up or down.
Competition: Traditional banks and other neobanks are chasing the same deposits and borrowers.

Should you buy, hold or sell SOFI stock?

This isn’t personalized advice, and I’m not a financial advisor. Some general framing:

Growth-oriented, long horizon: The drop and rising EPS estimates make a staged approach (buying in pieces) easier to justify than a single purchase.
Existing holders: Hold-rated consensus and a wide range of outcomes argue for position sizing over prediction.
Low risk tolerance: SOFI is volatile. Its beta is about 2.46. Consider whether a swing of a third in either direction fits your plan.

SOFI stock forecast: final outlook

SoFi’s fundamentals and its share price are moving in opposite directions. Revenue is up about 40%, profits are real, and estimates are climbing, yet the stock trades near its 52-week lows. The Street’s Hold consensus reflects one unresolved question: can SoFi keep growing lending profitably if rates stay high? Until Q3 results and the rate path answer that, expect volatility, and treat any single price target with caution.

6. Custom FAQ section

What is the analyst rating for SOFI?

The consensus is Hold. MarketBeat’s tally is nine Buy, 11 Hold and three Sell. TipRanks also shows a Hold consensus across 17 analysts.

What is the current SOFI price target?

Averages run from about $20.34 to $22.52, depending on the provider. TipRanks shows a range of $15 to $30. S&P Global data shows a low of $12.

What is the SOFI stock prediction for 2026?

No reliable point forecast exists. Management guides to about $0.60 adjusted EPS for 2026. The next catalyst is the Q3 report, and the base-case 12-month scenario above is about $18, with a $12 to $25 range.

What is the SoFi stock price prediction for 2030?

Using my illustrative framework, 2030 values run from about $14 to $44, with a base case near $27. This depends on EPS reaching $1.00 to $2.00 and on valuation multiples, and share dilution could lower per-share results. It is a scenario exercise, not a forecast from any analyst.

What is the SoFi stock forecast on TradingView?

TradingView shows analyst estimates with a high of $30 and a low of $12, and 28 analysts giving ratings in the past three months. Check the live page, because these figures update.

What is the SoFi stock forecast on Zacks?

SoFi held a Zacks Rank of #3 (Hold) in late June 2026. Earlier in June it was #4 (Sell). The rank tracks earnings estimate revisions over the short term, so it shifts often.

What is the SoFi stock 5-year forecast?

A five-year view depends mostly on earnings growth and dilution. Management targets a 38% to 42% adjusted EPS CAGR through 2028, while more conservative models assume slower growth. Applying the bear, base and bull frameworks above gives roughly $14, $27 and $44 for 2030.

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