SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. is a financial technology company that provides digital financial services through its SoFi platform. Founded in 2011 as a student-loan refinancing business, the company has expanded into a broader digital banking and personal-finance provider serving consumers primarily in the United States.

SoFi offers products including personal loans, student-loan refinancing, home loans, checking and savings accounts, credit cards, investment accounts, and financial-planning tools. Through SoFi Bank, N.A., the company provides deposit and lending services, while its mobile platform integrates banking, borrowing, investing, and other personal-finance capabilities.

SoFi also operates a technology platform business through Galileo and Technisys. These businesses provide application programming interfaces, payment infrastructure, and digital-banking software to financial institutions and fintech companies. Anthony Noto has served as SoFi’s chief executive officer since 2018.

Key Stats

• Today's Range: $15.72 to $16.25
• 50-Day Range: $15.25 to $19.18
• 52-Week Range: $14.88 to $32.73
• Volume: 30.01 million shs
• Average Volume: 64.79 million shs
• Market Capitalization: $20.44 billion
• P/E Ratio: 32.99
• Dividend Yield: N/A
• Price Target: $22.53
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 78% of companies evaluated by MarketBeat, and ranked 365th out of 854 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 2.26, and is based on no strong buy ratings, 9 buy ratings, 11 hold ratings, and 3 sell ratings.

Upside Potential

SoFi Technologies has a consensus price target of $22.53, representing about 41.5% upside from its current price of $15.92.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 10 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 35.00%

Earnings Growth

Earnings for SoFi Technologies are expected to grow by 35.00% in the coming year, from $0.60 to $0.81 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SoFi Technologies is 33.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.88.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 33.07, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.46.

Price to Earnings Growth Ratio

SoFi Technologies has a PEG Ratio of 1.31. 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 1.93. 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

15.01% 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 5.23.

Change versus previous month

Short interest in SoFi Technologies has recently increased by 6.48%, indicating that investor sentiment is decreasing significantly.

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: 2.8 / 5
• News Sentiment: 0.51

News Sentiment

SoFi Technologies has a news sentiment score of 0.51. 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 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 17 news articles for SoFi Technologies this week, compared to 9 articles on an average week.

Search Interest

Only 161 people have searched for SOFI on MarketBeat in the last 30 days. This is a decrease of -2% compared to the previous 30 days.

MarketBeat Follows

66 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 32% 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 $890,716.00 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: 7/29/2026
• Today: 10/02/2026
• Next Earnings (Estimated): 10/27/2026
• 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: $22.53
• High Price Target: $35.00
• Low Price Target: $15.00
• Potential Upside/Downside: +41.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.26
• Research Coverage: 23 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.48
• Trailing P/E Ratio: 33.22
• Forward P/E Ratio: 26.59
• P/E Growth: 1.31
• Net Income: $481.32 million
• Net Margins: 14.78%
• Pretax Margin: 17.13%
• Return on Equity: 6.22%
• Return on Assets: 1.22%

Debt

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

Sales & Book Value

• Annual Sales: $3.61 billion
• Price / Sales: 5.70
• Cash Flow: $0.57 per share
• Price / Cash Flow: 28.02
• Book Value: $8.23 per share
• Price / Book: 1.94

Miscellaneous

• Outstanding Shares: 1,291,570,000
• Free Float: 1,259,281,000
• Market Cap: $20.61 billion
• Optionable: Optionable
• Beta: 2.33