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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
OverviewPrice TargetsFinancialsValuationInsidersEarnings

SoFi Technologies Inc. (SOFI) Financial Forecast & Price Target 2030

Research-backed projections from analyst consensus, management guidance, and sector analysis.

SOFI · SoFi Technologies Inc. · Price target summary

Current
$16.58
Consensus
$22.56
+36.07%
2030 Target
$13.25
-20.08%
DCF
—
—
21 analysts:
7 Buy11 Hold5 Sell

Management guidance

SoFi maintained its full-year 2026 revenue guidance at $4.76B despite Q1 beating analyst expectations with $1.09B in revenue (41% YoY growth). Management projects 32.9% revenue growth for 2026 and 21.5% growth for 2027 based on analyst consensus, with full-year 2026 EPS guidance of $0.60 and 2027 guidance of $0.82.

Sources: Management guidance, analyst consensus, sector analysishigh confidence

SOFI · SoFi Technologies Inc. · Revenue & price projection · 2023–2030E

Actual revenue Projected revenue Base case Bull to bear range
Bear case (2030)
$4.16
$8.9B Rev × 1.3x P/S
Base case (2030)
$13.25
$8.9B Rev × 2.49x P/S
Bull case (2030)
$30.50
$8.9B Rev × 4.21x P/S
WallStSmart.com

Financial forecast — research-backed

Metric20252026 (E)2027 (E)2028 (E)2029 (E)2030 (E)
Revenue$4.8B$4.8B$5.8B$6.9B$8.0B$8.9B
Revenue growth82.6%21.8%21.6%18.8%15.6%12.6%
EPS$0.37$0.60$0.82$1.08$1.32$1.54
P/S ratio—2.9x2.9x2.8x2.6x2.5x
Implied price—$10.67$12.10$12.89$13.22$13.25

SOFI · SoFi Technologies Inc. · Catalysts & risks

Growth catalysts
+ PrimaryBid acquisition (~$150M) expanding IPO access and fee-based revenue streams
+ Expansion of deposit products and Banking-as-a-Service platform monetization
+ Technology platform stabilization after Q1 client loss; private credit and institutional lending growth
+ Regulatory clarity on crypto services via CLARITY Act; stablecoin and digital asset initiatives
+ Sustained personal loan origination growth and home lending expansion via HELOC products
+ Member growth and product diversification driving cross-sell and wallet share expansion
Key risks
- Short-seller report allegations regarding accounting irregularities; persistent valuation skepticism
- Q1 Technology Platform revenue declined 27% YoY; concentration risk on major clients
- Rising loan charge-offs and credit cost pressures; sensitivity to economic slowdown and interest rate environment
- Competitive intensity from larger fintech players (Affirm, Upstart) and traditional banks in lending and deposits
- Regulatory headwinds in lending, crypto, and stablecoin expansion; compliance and capital requirements
- Stock volatility and investor confidence gap; market cap down ~51% from November 2025 peak despite strong Q1

Methodology

SoFi Technologies Inc.'s forward estimates are derived from AI-powered research synthesis combining analyst consensus from 21 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts from industry research. Revenue and EPS projections use analyst consensus where available and conservative extrapolation with growth deceleration for outer years. Price targets are calculated using a tiered Price-to-Sales (P/S) methodology, where the P/S multiple is determined by the projected revenue growth rate.

WallStSmart proprietary research model · Not financial advice · Past performance is not indicative of future results · Last researched: May 15, 2026.