/SOFI
SOFI Stock - SoFi Technologies, Inc.
Financial Services|Financial - Credit ServicesNASDAQ
$27.24+3.61%
+$0.95 (+3.61%) • Dec 19
59
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.74
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).63
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.42
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+6.7%upside
Target: $29.07
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ENTRY ZONE$26.97 – $27.51
TARGET (TP)$29.06
STOP LOSS$25.06
RISK/REWARD1:0.8
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.94
52W High$32.73
52W Low$8.60
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $3.70B | $2.90B | $1.76B | $1.09B | $751.14M |
| Gross Profit | $2.58B | $2.05B | $1.52B | $977.30M | $565.53M |
| Gross Margin | 69.7% | 70.9% | 86.2% | 89.9% | 75.3% |
| Operating Income | $233.34M | $-301,158,000 | $-318,721,000 | $-481,177,000 | $-328,521,000 |
| Net Income | $498.67M | $-300,742,000 | $-320,407,000 | $-483,937,000 | $-224,053,000 |
| Net Margin | 13.5% | -10.4% | -18.2% | -44.5% | -29.8% |
| EPS | $0.46 | $-0.36 | $-0.40 | $-1.00 | $-2.73 |
Company Overview
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
9
30%
Hold / Neutral
15
50%
Sell / Underperform
6
20%
Analyst Consensus🔴 Bearish
9 Bullish21 Neutral/Bearish
Price Targets
$11
Average Target
↓ 60.4% Downside
Now
$3
Low
$11
Average
$29
High
Based on 32 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 10th 2025 | Needham | Reiterated | Buy | $29← $25 |
| August 1st 2025 | Rothschild & Co Redburn | Initiation | Neutral | $20.5 |
| July 14th 2025 | Citizens JMP | Downgrade | Market Perform | - |
| July 14th 2025 | Goldman | Resumed | Neutral | $19 |
| July 11th 2025 | TD Cowen | Initiation | Hold | $21 |
| June 12th 2025 | Stephens | Initiation | Overweight | $20 |
| June 2nd 2025 | Truist | Initiation | Hold | $14 |
| April 25th 2025 | Citizens JMP | Initiation | Mkt Outperform | $17 |
| January 15th 2025 | William Blair | Initiation | Outperform | - |
| January 2nd 2025 | Keefe Bruyette | Downgrade | Underperform | $8← $7 |
| December 9th 2024 | BofA Securities | Downgrade | Underperform | $12 |
| June 7th 2024 | BTIG Research | Resumed | Neutral | - |
| April 8th 2024 | Citigroup | Resumed | Buy | $11 |
| April 5th 2024 | Keefe Bruyette | Upgrade | Market Perform | $7.5← $6.5 |
| April 3rd 2024 | Needham | Initiation | Buy | $10 |
Earnings History & Surprises
SOFIBeat Rate
89%
Last 18 quarters
Avg Surprise
+7.4%
EPS vs Estimate
Beats / Misses
16/1
1 met exactly
Latest EPS
$0.11
Q4 2025
EPS Surprise History
Q1 24
+385.4%
$0.02vs$0.00
Q2 24
+80.5%
$0.02vs$0.01
Q3 24
+115.5%
$0.01vs$0.00
Q4 24
+16.3%
$0.05vs$0.04
Q1 25
+25.0%
$0.05vs$0.04
Q2 25
+84.0%
$0.06vs$0.03
Q3 25
+30.3%
$0.08vs$0.06
Q4 25
+32.0%
$0.11vs$0.08
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 26, 2026 | $0.11 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.08 | $0.11 | +32.0% | ✓ BEAT |
Q3 2025 | Jul 29, 2025 | $0.06 | $0.08 | +30.3% | ✓ BEAT |
Q2 2025 | Apr 29, 2025 | $0.03 | $0.06 | +84.0% | ✓ BEAT |
Q1 2025 | Jan 27, 2025 | $0.04 | $0.05 | +25.0% | ✓ BEAT |
Q4 2024 | Oct 29, 2024 | $0.04 | $0.05 | +16.3% | ✓ BEAT |
Q3 2024 | Jul 30, 2024 | $0.00 | $0.01 | +115.5% | ✓ BEAT |
Q2 2024 | Apr 29, 2024 | $0.01 | $0.02 | +80.5% | ✓ BEAT |
Q1 2024 | Jan 29, 2024 | $0.00 | $0.02 | +385.4% | ✓ BEAT |
Q4 2023 | Oct 30, 2023 | $-0.07 | $-0.03 | +57.1% | ✓ BEAT |
Q3 2023 | Jul 31, 2023 | $-0.06 | $-0.06 | 0.0% | = MET |
Q2 2023 | May 1, 2023 | $-0.07 | $-0.05 | +28.6% | ✓ BEAT |
Q1 2023 | Jan 30, 2023 | $-0.09 | $-0.05 | +44.4% | ✓ BEAT |
Q4 2022 | Nov 1, 2022 | $-0.10 | $-0.09 | +10.0% | ✓ BEAT |
Q3 2022 | Aug 2, 2022 | $-0.13 | $-0.12 | +7.7% | ✓ BEAT |
Q2 2022 | May 10, 2022 | $-0.15 | $-0.14 | +6.7% | ✓ BEAT |
Q1 2022 | Mar 1, 2022 | $-0.16 | $-0.15 | +6.3% | ✓ BEAT |
Q4 2021 | Nov 10, 2021 | $-0.14 | $-0.05 | +64.3% | ✓ BEAT |
Q3 2021 | Aug 12, 2021 | $-0.05 | $-0.48 | -860.0% | ✗ MISS |
Latest News
SoFi Launches SoFiUSD Fully Reserved Stablecoin
📈 PositiveBenzinga•Dec 18, 2025, 01:07 PM
SoFi Launches Smart Card For Plus Members Offering Up To 4.30% APY On Savings
📈 PositiveBenzinga•Dec 10, 2025, 02:39 PM
SoFi Partners With Templum To Open Exclusive December Window For Accredited Investors To Access Epic Games And Stripe Through The Cosmos Fund
📈 PositiveBenzinga•Dec 9, 2025, 01:46 PM
SoFi Technologies Files Preliminary Prospectus Supplement Related To Offering Of 54.5M Shares Of Common Stock
📉 NegativeBenzinga•Dec 5, 2025, 09:20 PM
SoFi Technologies shares are trading lower after the company announced a $1.5 billion public offering of 54,545,454 shares at $27.50 per share.
📉 NegativeBenzinga•Dec 5, 2025, 01:51 PM
Reported Earlier, SoFi Technologies Prices $1.5B Public Offering Of 54,545,454 Common Shares At $27.50 Per Share
➖ NeutralBenzinga•Dec 5, 2025, 07:20 AM
SoFi Technologies drops 6%, prices $1.5 billion stock offering
📉 NegativeSeeking Alpha•Dec 5, 2025, 07:18 AM
SoFi Technologies shares are trading lower after the company announced a $1.5 billion public offering.
📉 NegativeBenzinga•Dec 4, 2025, 09:21 PM
SoFi Launches $1.5B Public Offering Of Common Stock
➖ NeutralBenzinga•Dec 4, 2025, 09:17 PM
Live On CNBC, Bill Baruch Announces Bought SoFi Technologies
📈 PositiveBenzinga•Dec 1, 2025, 05:47 PM
Truist Securities Maintains Hold on SoFi Technologies, Lowers Price Target to $28
➖ NeutralBenzinga•Nov 25, 2025, 06:07 PM•Also:
SoFi Announces Launch Of SoFi Crypto, Members Will Be Able to Buy, Sell And Hold Multiple Cryptocurrencies
📈 PositiveBenzinga•Nov 11, 2025, 01:07 PM
Truist Securities Maintains Hold on SoFi Technologies, Raises Price Target to $31
➖ NeutralBenzinga•Nov 4, 2025, 04:04 PM
'Nearly Two Dozen States Sue Trump Admin Over Rule Limiting Student Loan Forgiveness For Public Servants' - CNBC
📉 NegativeBenzinga•Nov 3, 2025, 05:01 PM•Also: ,
UBS Maintains Neutral on SoFi Technologies, Raises Price Target to $27.5
➖ NeutralBenzinga•Oct 30, 2025, 07:29 PM
Citigroup Maintains Buy on SoFi Technologies, Raises Price Target to $37
📈 PositiveBenzinga•Oct 29, 2025, 07:53 PM•Also:
Goldman Sachs Maintains Neutral on SoFi Technologies, Raises Price Target to $27
➖ NeutralBenzinga•Oct 29, 2025, 06:12 PM
Keefe, Bruyette & Woods Maintains Underperform on SoFi Technologies, Raises Price Target to $20
➖ NeutralBenzinga•Oct 29, 2025, 05:59 PM
JP Morgan Maintains Neutral on SoFi Technologies, Raises Price Target to $28
➖ NeutralBenzinga•Oct 29, 2025, 03:20 PM
Barclays Maintains Equal-Weight on SoFi Technologies, Raises Price Target to $23
📈 PositiveBenzinga•Oct 29, 2025, 01:35 PM•Also:
Frequently Asked Questions about SOFI
What is SOFI's current stock price?
SoFi Technologies, Inc. (SOFI) is currently trading at $27.24 per share. The stock has moved +3.61% today.
What is the analyst price target for SOFI?
The average analyst price target for SOFI is $29.06, based on 1 analyst.
What sector is SoFi Technologies, Inc. in?
SoFi Technologies, Inc. operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is SOFI's market cap?
SoFi Technologies, Inc. has a market capitalization of $32.85 billion, making it a large-cap company.
Does SOFI pay dividends?
No, SoFi Technologies, Inc. does not currently pay a dividend to shareholders.
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