Companies /Financial Services

SoFi Technologies Inc

NASDAQ: SOFI Credit Services
$19.10
â–² $0.26 (+1.35%) today
Markets open · 2:20pm ET
24/7 Rating BUY
12-Month Price Target
$21.25 +10.3% upside

Set by 24/7 Wall St.’s proprietary analysis of professional targets, profit trajectory, sector, risk, and retail attention. How we calculate our price targets →

Current close $19.28
Street consensus $19.98
Ours vs. the Street +6.4%
$18.31Conservative$19.28Current$21.25Our Target$25.74Optimistic
12-Month Projection Historical Optimistic Target Conservative
$16$20$24$28Aug 2025Aug 2027Today$25.74$21.25$18.31
$16$20$24$28Aug 2025Aug 2027Today$25.74$21.25$18.31

Catalysts

  • Continued GAAP profitability and operating leverage
  • Deposit growth lowering funding costs
  • Technology platform growth providing diversified revenue

Risks

  • Credit deterioration in personal loans
  • Interest rate shifts compressing margins
  • Integration and execution risk across segments

Analyst Sentiment

23ANALYSTS
Buy730%
Hold1252%
Sell417%
The Bottom Line

SoFi Technologies appears attractively valued at current levels. With a 10.3% upside to our $21.25 target, the risk-reward profile looks favorable for investors with a 12-month time horizon. Wall Street agrees, with 30% of analysts rating it a Buy.

The 24/7 Factor

Base Growth
Conservative growth baseline (reduced to avoid double-counting P/E growth)
1.05×
Sector Momentum
Rate-sensitive, moderate growth
1.05×
Analyst Consensus
Mixed analyst views
+0.8%
Earnings Growth
Strong earnings acceleration
+3.0%
Volatility Adjustment
Higher volatility stock
−2.4%
Price Position
Trading near 52-week low (caution)
−1.5%
Social Sentiment
Bullish retail sentiment
+1.6%
Read our full methodology →

5-Year Projection

Long-Term Forecast Optimistic Target Conservative
$21$28$35’26’27’28’29’30’31$38.55$27.55$20.07
$21$28$35’26’27’28’29’30’31$38.55$27.55$20.07

Prediction History

SOFI Price Target History Our Target Stock Price
$18$21$24Jul 16Aug 21$21.26$18.91
$18$21$24Jul 16Aug 21$21.26$18.91
Date Price Target Stock Price Rating Upside
$21.26 $18.91 BUY +12.4%
$20.94 $18.29 BUY +14.5%
$25.12 $18.38 BUY +36.7%
$18.98 $16.31 BUY +16.4%
$19.67 $16.53 BUY +19.1%
$20.54 $17.34 BUY +18.5%

Social Sentiment

72/100
Sentiment Score
Bullish
Retail Mood
Low
Discussion Activity

Frequently Asked Questions

What is the SOFI stock price prediction for 2030?

Looking ahead to 2030, our model projects SOFI could trade at an average price of $25.65, with a potential range between $19.24 and $32.06. This represents a potential 33.1% return from today’s price. Long-term forecasts depend heavily on company execution, competitive dynamics, and broader market conditions.

Is SOFI a buy, sell, or hold right now?

24/7 Wall St. currently rates SOFI as a BUY. Moderate upside (+10.2%) Among Wall Street analysts, 7 rate it Buy, 12 rate it Hold, and 4 rate it Sell.

What is the SOFI stock price target in an optimistic scenario?

In our optimistic scenario for SOFI, the stock could reach $25.74 over the next 12 months, representing a 33.5% gain from today’s price. This scenario assumes favorable conditions materialize, including strong earnings growth, positive market sentiment, and successful execution of company initiatives.

What is the downside risk for SOFI stock?

Our conservative scenario for SOFI projects a price of $18.31 over the next 12 months (-5.0% from current levels), suggesting relatively limited downside if headwinds materialize. No forecast is a guarantee. Position sizing and time horizon still matter.

Projections are estimates based on current data, updated daily. Not investment advice. Learn how we calculate these projections →