SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. (NASDAQ: SOFI) is a digital personal finance company focused on helping individuals achieve financial independence. Through its integrated platform, SoFi offers a broad range of lending, banking, and wealth management products tailored to meet the needs of its users throughout different stages of their financial journeys. The company’s mission centers on providing accessible, technology-driven solutions that simplify borrowing, saving, investing, and protecting assets.

At its core, SoFi provides student loan refinancing, personal loans, home loans, and home equity products. Its banking services include deposit accounts—branded SoFi Money—with checking and savings capabilities, earning competitive interest rates. On the wealth management side, SoFi Invest offers automated investing through robo-advisory services as well as self-directed brokerage accounts. The platform also features insurance offerings in partnership with third parties, enabling users to secure life, auto, and homeowners insurance directly through the SoFi ecosystem.

Founded in 2011 by a group of Stanford Graduate School of Business students, SoFi initially focused on refinancing student debt by leveraging alumni networks to provide more favorable terms. Over time, the company expanded into traditional banking and wealth management, acquiring both Galileo Financial Technologies in 2020 and Technisys in 2021 to bolster its technology infrastructure. SoFi went public in mid-2021 through a merger with a special purpose acquisition company (SPAC), marking a significant milestone in its growth trajectory.

Headquartered in San Francisco, SoFi primarily serves customers across the United States, with initiatives underway to expand into select international markets such as the United Kingdom. Since January 2018, Anthony Noto has served as CEO, guiding the company through its diversification beyond lending into a full-service financial platform. Under his leadership, SoFi continues to focus on seamless digital experiences and product innovation aimed at supporting members in achieving long-term financial well-being.

Key Stats

• Today's Range: $24.84 to $26.18
• 50-Day Range: $21.02 to $29.81
• 52-Week Range: $7.90 to $30.30
• Volume: 78.17 million shs
• Average Volume: 62.79 million shs
• Market Capitalization: $30.22 billion
• P/E Ratio: 52.58
• Dividend Yield: N/A
• Price Target: $20.18
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 40% of companies evaluated by MarketBeat, and ranked 698th out of 925 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: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

SoFi Technologies has received a consensus rating of Hold. The company's average rating score is 2.23, and is based on 6 buy ratings, 12 hold ratings, and 3 sell ratings.

Downside Risk

SoFi Technologies has a consensus price target of $20.18, representing about 20.1% downside from its current price of $25.24.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 16 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 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 52.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 232.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 52.58, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 39.91.

Price to Earnings Growth Ratio

SoFi Technologies has a PEG Ratio of 3.00. 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 4.23. 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

9.28% 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 1.5, 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 6.19%, 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.

Sustainability and ESG

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

Percentage of Shares Shorted

9.28% 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 1.5, 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 6.19%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.74

News Sentiment

SoFi Technologies has a news sentiment score of 0.74. 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 34 news articles for SoFi Technologies this week, compared to 37 articles on an average week.

Search Interest

461 people have searched for SOFI on MarketBeat in the last 30 days. This is an increase of 71% compared to the previous 30 days.

MarketBeat Follows

147 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 63% 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 $3,452,672.00 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 on January 1st, 2025. Since then, SOFI shares have increased by 63.9% and is now trading at $25.24.

How were SoFi Technologies' earnings last quarter?

SoFi Technologies, Inc. (NASDAQ:SOFI) released its earnings results on Tuesday, July, 29th. The company reported $0.08 EPS for the quarter, topping analysts' consensus estimates of $0.06 by $0.02. SoFi Technologies's revenue was up 42.8% on a year-over-year basis.
Read the conference call transcript.

Who are SoFi Technologies' major shareholders?

Top institutional investors of SoFi Technologies include Praxis Investment Management Inc. and GAMMA Investing LLC. Insiders that own company stock include Anthony Noto, Robert S Lavet, Christopher Lapointe, Jeremy Rishel, Aaron Webster, Magdalena Yesil, Kelli Keough, Webb Lauren Stafford, Chad M Borton, Eric Schuppenhauer, Bashir Ruzwana, 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: 7/29/2025
• Today: 10/05/2025
• Next Earnings (Estimated): 10/28/2025
• 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: 2011

Price Target and Rating

• Average Price Target for SoFi Technologies: $20.18
• High Price Target: $31.00
• Low Price Target: $12.00
• Potential Upside/Downside: -20.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.23
• Research Coverage: 22 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.48
• Trailing P/E Ratio: 52.58
• Forward P/E Ratio: 97.08
• P/E Growth: 3
• Net Income: $498.67 million
• Net Margins: 18.38%
• Pretax Margin: 10.33%
• Return on Equity: 4.44%
• Return on Assets: 0.78%

Debt

• Debt-to-Equity Ratio: 0.57
• Current Ratio: 0.80
• Quick Ratio: 0.14

Sales & Book Value

• Annual Sales: $2.67 billion
• Price / Sales: 11.30
• Cash Flow: $0.39 per share
• Price / Cash Flow: 64.19
• Book Value: $5.96 per share
• Price / Book: 4.23

Miscellaneous

• Outstanding Shares: 1,197,450,000
• Free Float: 1,166,316,000
• Market Cap: $30.22 billion
• Optionable: Optionable
• Beta: 1.92