SoFi Technologies

SOFI · NASDAQ

$14.68+$0.38 (+2.66%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $14.30

SOFI analyst rating

HoldConsensus of 19 analysts over the last 12 months. 42% rate it a buy.

Strong buy0
Buy8
Hold9
Underperform2
Sell0

12-month price target · 25 analysts

Average $20.77 (+41.5% upside)

Low: $12.12
Now: $14.68
High: $31.50

Upgrades and downgrades

The latest rating actions, newest first

SOFI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
StoneX	Oct 13, 2026	Initiates	Buy	$25.00	—
TD Cowen	Oct 6, 2026	Maintains	Hold	$18.00 → $17.50	51%
Loop Capital	Sep 9, 2026	Initiates	Hold	$22.00	54%
Scotiabank	Sep 2, 2026	Initiates	Sector Outperform	$25.00	19%
Piper Sandler	Aug 17, 2026	Initiates	Neutral → Overweight	$22.00	60%
Truist Securities	Aug 12, 2026	Maintains	Hold	$18.00 → $19.00	68%
Mizuho	Jul 31, 2026	Maintains	Outperform	$29.00 → $22.00	46%
Morgan Stanley	Jul 30, 2026	Maintains	Underweight	$16.00 → $15.00	33%
Wells Fargo	Jul 30, 2026	Maintains	Equal-Weight	$18.00 → $17.00	56%
Needham	Jul 30, 2026	Maintains	Buy	$25.00 → $24.00	40%

The case for and against

Updated Oct 14, 2026

Bull case

SoFi Technologies is viewed favorably because its 1Q results showed strong underlying growth, with GAAP revenue up 43% year over year to $1.10 billion, adjusted revenue up 41%, EBITDA of $339.9 million, and originations accelerating 68% year over year, underscoring share gains and operating leverage. The company’s bank charter and well-capitalized balance sheet improve unit economics and give it a competitive advantage in lending, especially if capital markets become choppier, while NIM expanded to 5.94% and TBV/share rose to $7.21. Its expanding Financial Services and technology products platforms, now supporting 19.3 million total products and 41% year-over-year ANR growth to $429 million, add a durable multi-year growth tailwind and support a positive fundamental outlook.

Bear case

SoFi Technologies is showing strong top-line growth, with 1Q26 adjusted net revenue up 41% to $1.087B and originations up 68% to $12.2B, but the bullish operating leverage does not fully offset the business’s structural risks. Its Tech segment is a key weakness, as adjusted net revenue fell 27% to $75M and annualized revenue per account declined 14% YoY, signaling that diversification away from lending is progressing unevenly. With heavy reliance on lending, capital markets funding, regulatory oversight, and competition that can pressure deposits and net interest margin, the company remains vulnerable to credit deterioration and margin compression in a weaker macro backdrop.

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