SOFI
SoFi Technologies Inc.
NASDAQ: SOFI · FINANCIAL SERVICES · CREDIT SERVICES
$16.58
-0.54% today
Updated 2026-06-12
Market cap
$21.27B
P/E ratio
36.84
P/S ratio
5.44x
EPS (TTM)
$0.45
Dividend yield
—
52W range
$14 – $33
Volume
64.9M
WallStSmart proprietary scores
71
out of 100
Grade: B
Buy
Investment rating
10.0
Growth
A+5.8
Quality
C+5.5
Profitability
C+5.0
Valuation
C+4/9
Piotroski F-Score
Moderate
0.4
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$22.56
+36.07%
12-Month target
$11.63
-29.86%
Intrinsic (DCF)
—
Margin of safety
—
3 Strong Buy5 Buy12 Hold2 Sell2 Strong Sell
Price chart
Stock snapshot
Strengths
+ Free cash flow $50.32M — positive
+ Revenue growth 42.50% QoQ
+ Debt/equity 0.18x — low leverage
Risks
- Altman Z 0.37 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM | 2026 (E) |
|---|---|---|---|---|---|---|
| Revenue | $1.76B | $2.05B | $2.61B | $4.77B | $3.91B | $4.8B |
| Net income | $-320.41M | $-300.74M | $498.67M | $481.32M | $166.73M | — |
| EPS | — | — | — | — | $0.45 | $0.60 |
| Free cash flow | $-7.36B | $-7.35B | $-1.28B | $-3.98B | $50.32M | — |
| Profit margin | -18.18% | -14.66% | 19.09% | 10.09% | 14.80% | — |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-10 | LAVET, ROBERT S | Sale | 1,020 | $16.06 |
| 2026-06-09 | YESIL, MAGDALENA | Sale | 18,388 | — |
| 2026-06-09 | YESIL, MAGDALENA | Buy | 18,388 | — |
Peer comparison
Smart narrative
SoFi Technologies Inc. trades at $16.58. representing a P/E of 36.84x trailing earnings. Our Smart Value Score of 71/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 0.37, it sits in the distress. TTM revenue stands at $3.91B. with profit margins at 14.80%.
Frequently asked questions
What is SoFi Technologies Inc.'s stock price?
SoFi Technologies Inc. (SOFI) trades at $16.58, on a P/E of 36.8x and a P/S of 5.4x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is SoFi Technologies Inc. overvalued?
SoFi Technologies Inc. carries a Smart Value Score of 71/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of SoFi Technologies Inc. (SOFI)?
The 12-month analyst consensus target is $22.56, about 36.1% above the current $16.58. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of SOFI by 2030?
Our research-backed model puts the 2030 base case at $13.25, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is SoFi Technologies Inc.'s revenue?
SoFi Technologies Inc.'s trailing twelve-month revenue is $3.91B, and our model projects it reaching about $8.95B by 2030. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
SoFi Technologies Inc.'s Altman Z-Score is 0.37, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio5.44x
ROE5.34%
Beta2.15
50D MA$16.83
200D MA$22.85
Shares out1.28B
Float1.26B
Short ratio—
Avg volume64.9M
Performance
1 week+0.00%
1 month+9.87%
3 months-2.72%
YTD-34.49%
1 year—
3 years—
5 years—