SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. is a digital financial services company that provides lending, banking, investing and other personal finance products through its online platform and mobile app. The company serves consumers primarily in the United States and aims to provide a centralized alternative to traditional financial institutions.

SoFi’s offerings include personal loans, student loan refinancing, home loans, checking and savings accounts, credit cards, investment products and financial education resources. Its lending business provides loans to qualified borrowers, while its financial services products support activities such as spending, saving, investing and managing money.

The company also operates a technology platform business through Galileo Financial Technologies and Technisys. These businesses provide application programming interfaces, payment infrastructure, digital banking technology and related services to financial institutions and fintech companies.

SoFi was founded in 2011 by Stanford business students as a student-loan refinancing company. It expanded into a broader digital finance platform and became a publicly traded company on the Nasdaq in 2021. Anthony Noto has served as SoFi’s chief executive officer since 2018.

Key Stats

• Today's Range: $16.47 to $16.85
• 50-Day Range: $14.22 to $19.18
• 52-Week Range: $13.86 to $32.73
• Volume: 23.14 million shs
• Average Volume: 63.72 million shs
• Market Capitalization: $21.65 billion
• P/E Ratio: 30.46
• Dividend Yield: N/A
• Price Target: $21.28
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 86% of companies evaluated by MarketBeat, and ranked 351st out of 859 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: 4.2 / 5
• Analyst Rating: Hold

Consensus Rating

SoFi Technologies has received a consensus rating of Hold. The company's average rating score is 2.38, and is based on 1 strong buy rating, 10 buy ratings, 10 hold ratings, and 3 sell ratings.

Upside Potential

SoFi Technologies has a consensus price target of $21.28, representing about 27.4% upside from its current price of $16.71.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 14 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 45.90%

Earnings Growth

Earnings for SoFi Technologies are expected to grow by 45.90% in the coming year, from $0.61 to $0.89 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SoFi Technologies is 30.41, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 27.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 30.41, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 21.18.

Price to Earnings Growth Ratio

SoFi Technologies has a PEG Ratio of 0.99. PEG Ratios around 1 indicate that a company is correctly valued.

Price to Book Value per Share Ratio

SoFi Technologies has a P/B Ratio of 2.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

17.44% 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 4.75.

Change versus previous month

Short interest in SoFi Technologies has recently increased by 2.21%, 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.

News and Social Media

• Score: 4.2 / 5
• News Sentiment: 0.77

News Sentiment

SoFi Technologies has a news sentiment score of 0.77. 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 is a higher news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 75 news articles for SoFi Technologies this week, compared to 8 articles on an average week.

Search Interest

222 people have searched for SOFI on MarketBeat in the last 30 days. This is an increase of 41% compared to the previous 30 days.

MarketBeat Follows

64 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 156% compared to the previous 30 days.

Company Ownership

• Score: 1.3 / 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 $852,605.00 in company stock.

Percentage Held by Insiders

2.50% of the stock of SoFi Technologies is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 10/27/2026
• Today: 11/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:SOFI
• CIK: 1818874
• Web: www.sofi.com
• Phone: 855-456-7634
• Fax: N/A
• Employees: 6,100
• Year Founded: 2011

Price Target and Rating

• Average Price Target for SoFi Technologies: $21.28
• High Price Target: $31.00
• Low Price Target: $15.00
• Potential Upside/Downside: +27.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.38
• Research Coverage: 24 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.55
• Trailing P/E Ratio: 30.37
• Forward P/E Ratio: 18.76
• P/E Growth: 0.99
• Net Income: $481.32 million
• Net Margins: 15.60%
• Pretax Margin: 17.13%
• Return on Equity: 6.89%
• Return on Assets: 1.35%

Debt

• Debt-to-Equity Ratio: 0.30
• Current Ratio: 0.74
• Quick Ratio: 0.10

Sales & Book Value

• Annual Sales: $4.73 billion
• Price / Sales: 4.56
• Cash Flow: $0.55 per share
• Price / Cash Flow: 30.55
• Book Value: $8.23 per share
• Price / Book: 2.03

Miscellaneous

• Outstanding Shares: 1,291,570,000
• Free Float: 1,259,281,000
• Market Cap: $21.56 billion
• Optionable: Optionable
• Beta: 2.33