SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. is a fintech company offering a range of digital financial products designed to help individuals manage their money, reduce debt and plan for long-term goals. Since its founding in 2011, SoFi has expanded beyond its original mission of student loan refinancing to include personal loans, mortgage lending, credit card products and high-yield cash management accounts. By combining technology with a community-oriented approach, the company seeks to deliver an integrated financial services experience through its web and mobile platforms.

At the core of SoFi’s offering is its lending business, which covers student loan refinancing, private student loans, personal loans and mortgages. The company leverages data analytics and digital underwriting to streamline the application process and provide competitive rates. Retail banking services include SoFi Checking and Savings with no monthly fees, direct deposit rewards and early paycheck access. On the investing side, SoFi Invest gives members access to automated and active investing, fractional shares trading and cryptocurrency trading, all within a single app.

SoFi has grown both organically and by acquisition. In 2020, the company acquired Galileo Financial Technologies, a payments and banking-as-a-service platform, enhancing SoFi’s ability to develop and deliver custom financial solutions to other companies. It has also partnered with Technisys to bolster its digital banking infrastructure. These strategic moves support SoFi’s expansion into new markets and help it to serve an increasingly diverse customer base across the United States.

Headquartered in San Francisco, with additional offices in New York and Salt Lake City, SoFi serves members nationwide. Under the leadership of CEO Anthony Noto, a former Wall Street executive, and CFO Michelle Moore, SoFi emphasizes a member-first culture, focusing on community events, career coaching and financial education. The company continues to invest in product innovation and technology integration to stay at the forefront of the evolving digital financial services landscape.

Key Stats

• Today's Range: $18.08 to $18.64
• 50-Day Range: $12.51 to $18.54
• 52-Week Range: $6.01 to $18.92
• Volume: 44.67 million shs
• Average Volume: 52.23 million shs
• Market Capitalization: $20.49 billion
• P/E Ratio: 45.21
• Dividend Yield: N/A
• Price Target: $14.73
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 42% of companies evaluated by MarketBeat, and ranked 2053rd out of 2,763 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

SoFi Technologies has received a consensus rating of Hold. The company's average rating score is 2.41, and is based on 8 buy ratings, 5 hold ratings, and 3 sell ratings.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 103.85%

Earnings Growth

Earnings for SoFi Technologies are expected to grow by 103.85% in the coming year, from $0.26 to $0.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SoFi Technologies is 45.21, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.58.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 45.21, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Earnings Growth Ratio

SoFi Technologies has a PEG Ratio of 3.07. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

SoFi Technologies has a P/B Ratio of 3.11. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

13.72% of the float of SoFi Technologies has been sold short.

Short Interest Ratio / Days to Cover

SoFi Technologies has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SoFi Technologies has recently increased by 2.72%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

SoFi Technologies does not currently pay a dividend.

Dividend Growth

SoFi Technologies does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

13.72% of the float of SoFi Technologies has been sold short.

Short Interest Ratio / Days to Cover

SoFi Technologies has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SoFi Technologies has recently increased by 2.72%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.75

News Sentiment

SoFi Technologies has a news sentiment score of 0.75. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 35 news articles for SoFi Technologies this week, compared to 27 articles on an average week.

Search Interest

186 people have searched for SOFI on MarketBeat in the last 30 days. This is an increase of 23% compared to the previous 30 days.

MarketBeat Follows

81 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 53% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, SoFi Technologies insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $3,939,168.00 in company stock.

Percentage Held by Insiders

Only 2.60% of the stock of SoFi Technologies is held by insiders.

Percentage Held by Institutions

Only 38.43% of the stock of SoFi Technologies is held by institutions.

SOFI Stock Analysis - Frequently Asked Questions

How have SOFI shares performed this year?

SoFi Technologies' stock was trading at $15.40 at the start of the year. Since then, SOFI shares have increased by 20.4% and is now trading at $18.5350.

How were SoFi Technologies' earnings last quarter?

SoFi Technologies, Inc. (NASDAQ:SOFI) posted its earnings results on Tuesday, April, 29th. The company reported $0.06 earnings per share for the quarter, beating analysts' consensus estimates of $0.03 by $0.03. SoFi Technologies's quarterly revenue was up 32.7% compared to the same quarter last year.
Read the conference call transcript.

How do I buy shares of SoFi Technologies?

Shares of SOFI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of SoFi Technologies own?

Based on aggregate information from My MarketBeat watchlists, some other companies that SoFi Technologies investors own include Symbotic (SYM), JPMorgan Nasdaq Equity Premium Income ETF (JEPQ), Digital Turbine (APPS), ChargePoint (CHPT) and CrowdStrike (CRWD).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 7/03/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SOFI
• CIK: 1818874
• Web: www.sofi.com
• Phone: 855-456-7634
• Fax: N/A
• Employees: 5,000
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $14.73
• High Stock Price Target: $20.00
• Low Stock Price Target: $8.00
• Potential Upside/Downside: -20.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.41
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.41
• Trailing P/E Ratio: 45.21
• Forward P/E Ratio: 71.29
• P/E Growth: 3.07
• Net Income: $498.67 million
• Net Margins: 17.21%
• Pretax Margin: 7.81%
• Return on Equity: 3.34%
• Return on Assets: 0.60%

Debt

• Debt-to-Equity Ratio: 0.46
• Current Ratio: 0.80
• Quick Ratio: 0.14

Sales & Book Value

• Annual Sales: $2.67 billion
• Price / Sales: 7.66
• Cash Flow: $0.40 per share
• Price / Cash Flow: 46.08
• Book Value: $5.96 per share
• Price / Book: 3.11

Miscellaneous

• Outstanding Shares: 1,105,360,000
• Free Float: 1,076,624,000
• Market Cap: $20.49 billion
• Optionable: Optionable
• Beta: 1.91