SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. (NASDAQ: SOFI) is a diversified financial services company that provides consumer-focused lending, banking, investing and financial technology products. The company’s core offerings include student loan refinancing and private student loans, personal loans, mortgage lending, and credit card products. In addition to credit and lending, SoFi operates consumer-facing deposit and cash management accounts, an investing and trading platform, and an insurance marketplace through partner relationships, all designed to serve individuals seeking an integrated digital financial experience.

SoFi has grown beyond direct-to-consumer lending by building technology and infrastructure capabilities. Its acquisition of Galileo Financial Technologies expanded SoFi’s presence in payments and banking-as-a-service, allowing it to offer account processing, card issuing and other backend services to fintech partners as well as its own branded products. The company also expanded its capital and public profile through a business combination in 2021 that took it public, positioning SoFi to pursue broader product integration and scale.

Founded in 2011, SoFi initially focused on refinancing student loans for alumni groups and later broadened its product set to serve a wider range of consumer financial needs. The company primarily serves customers in the United States through its online platform and mobile apps, targeting digital-savvy consumers seeking a unified set of financial tools. SoFi markets its services to borrowers, savers and investors who prefer digital account management and integrated financial products.

SoFi’s executive leadership includes CEO Anthony Noto, who joined the company after a career in financial services and technology. Under its current leadership, SoFi emphasizes product diversification, technology-driven delivery, and cross-selling of financial services to increase customer engagement. The company continues to evolve its product suite and partnerships to compete with both traditional banks and emerging fintech firms in the U.S. market.

Key Stats

• Today's Range: $15.94 to $16.31
• 50-Day Range: $15.15 to $19.50
• 52-Week Range: $12.44 to $32.73
• Volume: 53.34 million shs
• Average Volume: 66.03 million shs
• Market Capitalization: $20.43 billion
• P/E Ratio: 36.41
• Dividend Yield: N/A
• Price Target: $23.22
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 92% of companies evaluated by MarketBeat, and ranked 143rd out of 879 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: 4.1 / 5
• Analyst Rating: Hold

Consensus Rating

SoFi Technologies has received a consensus rating of Hold. The company's average rating score is 2.19, and is based on no strong buy ratings, 7 buy ratings, 11 hold ratings, and 3 sell ratings.

Upside Potential

SoFi Technologies has a consensus price target of $23.22, representing about 45.0% upside from its current price of $16.02.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 13 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 32.20%

Earnings Growth

Earnings for SoFi Technologies are expected to grow by 32.20% in the coming year, from $0.59 to $0.78 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SoFi Technologies is 36.41, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.28.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 36.41, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 23.27.

Price to Book Value per Share Ratio

SoFi Technologies has a P/B Ratio of 1.95. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

12.74% 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 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SoFi Technologies has recently decreased by 4.24%, indicating that investor sentiment is improving.

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: 3.4 / 5
• News Sentiment: 0.46

News Sentiment

SoFi Technologies has a news sentiment score of 0.46. 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 lower news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 86 news articles for SoFi Technologies this week, compared to 13 articles on an average week.

Search Interest

423 people have searched for SOFI on MarketBeat in the last 30 days. This is an increase of 54% compared to the previous 30 days.

MarketBeat Follows

105 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 184% compared to the previous 30 days.

Company Ownership

• Score: 2.7 / 5
• Insider Trading: Selling Shares

Cluster Insider Buying

2 insiders have purchased shares of SoFi Technologies in the last three months. Multiple insiders buying is a strong bullish signal.

Insider Buying vs. Insider Selling

In the past three months, SoFi Technologies insiders have sold 577.75% more of their company's stock than they have bought. Specifically, they have bought $605,748.00 in company stock and sold $4,105,468.00 in company stock.

Percentage Held by Insiders

2.60% 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.

SOFI Stock Analysis - Frequently Asked Questions

How have SOFI shares performed this year?

SoFi Technologies' stock was trading at $26.18 at the beginning of the year. Since then, SOFI stock has decreased by 38.8% and is now trading at $16.02.

How were SoFi Technologies' earnings last quarter?

SoFi Technologies, Inc. (NASDAQ:SOFI) announced its quarterly earnings results on Wednesday, April, 29th. The company reported $0.12 earnings per share (EPS) for the quarter, hitting the consensus estimate of $0.12. The firm's revenue for the quarter was up 42.6% on a year-over-year basis.
Read the conference call transcript.

Who are SoFi Technologies' major shareholders?

Top institutional shareholders of SoFi Technologies include Sumitomo Mitsui Trust Group Inc. (0.45%), Bank of New York Mellon Corp (0.32%), Diversify Wealth Management LLC (0.08%) and Pictet Asset Management Holding SA (0.04%). Insiders that own company stock include Anthony Noto, Jeremy Rishel, Christopher Lapointe, Aaron Webster, Steven J Freiberg, Kelli Keough, Magdalena Yesil, Webb Lauren Stafford, Eric Schuppenhauer, Chad M Borton, Arun Pinto, Bashir Ruzwana, Robert S Lavet, Qatar Investment Authority and Iv (Gp) LLC Slta.
View institutional ownership trends.

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: 4/29/2026
• Today: 5/05/2026
• AGM 2026: 6/17/2026
• Fiscal Year End: 12/31/2026

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: 6,100
• Year Founded: 2011

Price Target and Rating

• Average Price Target for SoFi Technologies: $23.22
• High Price Target: $38.00
• Low Price Target: $16.00
• Potential Upside/Downside: +45.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.19
• Research Coverage: 21 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.44
• Trailing P/E Ratio: 36.41
• Forward P/E Ratio: 27.15
• P/E Growth: N/A
• Net Income: $481.32 million
• Net Margins: 14.65%
• Pretax Margin: 11.02%
• Return on Equity: 6.63%
• Return on Assets: 1.26%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 0.78
• Quick Ratio: 0.18

Sales & Book Value

• Annual Sales: $3.94 billion
• Price / Sales: 5.18
• Cash Flow: $0.55 per share
• Price / Cash Flow: 28.88
• Book Value: $8.23 per share
• Price / Book: 1.95

Miscellaneous

• Outstanding Shares: 1,275,264,000
• Free Float: 1,242,107,000
• Market Cap: $20.43 billion
• Optionable: Optionable
• Beta: 2.12