Price Prediction: SoFi’s Price Target For 2027 May Surprise Investors

SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) has had a rough 2026. Shares are down 31.7% year to date, giving back a large chunk of last year’s rally as investors digested a rate outlook that flipped from cuts to potential hikes. Yet the fintech’s fundamentals keep improving.

CEO Anthony Noto told investors that “2026 is shaping up to be a defining year” after the company posted record loan originations of  $14.80 billion and its 11th consecutive profitable quarter. Let’s map out how SOFI could climb from $17.88 to $25 by the end of 2027.

Wall Street Sees Upside, But Bulls Want More

The Street’s consensus 12-month price target sits at $20.02, spread across 2 Strong Buys, 5 Buys, 12 Holds, 2 Sells, and 2 Strong Sells. That target implies mild upside from today’s price and reflects a cautious posture after a sharp drawdown. Estimates, however, are moving the other way.

The FY2027 EPS consensus has climbed from $0.775 ninety days ago to $0.822 today, with 5 upward revisions in the past 30 days against 2 downward. Analysts also model FY2027 revenue of roughly $6.16 billion, extending SoFi’s growth arc. With five consecutive EPS beats, actual results have a habit of running ahead of the model.

Path to $25 Per Share by 2027

At $17.88, SOFI trades at a forward P/E near 32. Applying the FY2027 EPS estimate of $0.822, a $25 stock would trade at roughly 30x forward earnings, actually a lower multiple than today. That is a reasonable ask for a business that management guides to a 2025 to 2028 adjusted EPS CAGR of 38% to 42%.

What could push SOFI to $25?

• Guidance already raised. Management lifted FY2026 adjusted net revenue to $4.75 billion to $4.85 billion, or 32% to 35% growth, with adjusted EBITDA near $1.6 billion.
• Cross-buy inflection. 51% of new products came from existing members, and Noto wants 1 million SoFi Plus members  generating $120 million annually.
• Balance-sheet visibility. Noto said Q1 and Q2 lending growth gives “very strong visibility into our revenue for 2027”, backed by a 5.98% net interest margin and $45.5 billion in deposits.
• New capital-light rails. Loan Platform Business partnerships, SoFiUSD stablecoin settlement, and Big Business Banking add fee revenue on top of net interest income.

History Says a 40% Rebound Is On the Table

Reaching $25 requires roughly a 40% gain from here. SOFI has shown it can move that fast. Shares are already up 9.63% over the past month, and the stock’s beta of 2.204 means it tends to overshoot the market both ways.

The 52-week high of $32.73 sits well above our target, so $25 would simply reclaim ground held earlier this cycle rather than break new records. Our own base-case model projects $21.50 by September 2027, with a bull case at $25.91.

Bottom Line on $25

Hitting $25 by late 2027 would require SOFI to gain about 40% while its forward multiple actually compresses to roughly 30x. With FY2027 EPS estimates rising 4 times in the past week alone, a five-quarter beat streak, and a long-term ROTCE target of 20% to 30%, the setup is there.

Macro risk and the 23% decline in Technology Platform revenue are real hurdles. Returns like this should not be assumed every year, but we have laid out a credible blueprint for how SOFI could reach $25 in 2027.

Contact [email protected] for any questions or corrections.