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SoFi (SOFI) Stock Forecast, Price Target & Predictions

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SOFI Stock Forecast

SoFi (SOFI) stock forecast, based on 23 Wall Street analysts, predicts a 12-month average price target of $26.75, with a high of $31.00 and a low of $18.00. This represents a -7.79% decline from the last price of $29.01.

$5 $11 $17 $23 $29 $35 High: $31 Avg: $26.75 Low: $18 Last Closed Price: $29.01

SOFI Stock Rating

SoFi stock's rating consensus is Hold, based on 23 Wall Street analysts. The breakdown includes 0 Strong Buy (0.00%), 7 Buy (30.43%), 12 Hold (52.17%), 4 Sell (17.39%), and 0 Strong Sell (0.00%).

Hold
Total 23 0 4 12 7 Strong Sell Sell Hold Buy Strong Buy

SOFI Price Target Upside V Benchmarks

TypeNameUpside
StockSoFi-7.79%
SectorFinancial Services Stocks 6.68%
IndustryCredit Services Stocks8.02%
IdeaDigital Banking Stocks List10.83%

Price Target Trends

1M3M12M
# Anlaysts2610
Avg Price Target$23.50$26.00$20.45
Last Closing Price$29.01$29.01$29.01
Upside/Downside-18.99%-10.38%-29.51%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Oct, 2515113222
Sep, 2515112322
Aug, 2515112322
Jul, 253582321
Jun, 253492220
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Oct 24, 2025Truist Financial$29.00$28.083.28%-0.03%
Sep 29, 2025Morgan Stanley$18.00$27.98-35.67%-37.95%
Sep 18, 2025Mizuho Securities$31.00$27.4812.81%6.86%
Sep 10, 2025Needham$29.00$25.5213.64%-0.03%
Aug 04, 2025Truist Financial$23.00$21.815.46%-20.72%
Jul 31, 2025Mizuho Securities$26.00$21.8718.88%-10.38%
Jan 03, 2025Mark DeVriesDeutsche Bank$14.00$14.42-2.91%-51.74%
Dec 19, 2024Jeffrey AdelsonMorgan Stanley$13.00$15.29-14.98%-55.19%
Oct 30, 2024Michael NgGoldman Sachs$8.50$11.22-24.24%-70.70%
Oct 29, 2024John HechtJefferies$13.00$10.4724.16%-55.19%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Sep 29, 2025Morgan StanleyUnderweightUnderweighthold
Sep 10, 2025NeedhamBuyBuyhold
Jul 30, 2025Morgan StanleyUnderweightUnderweighthold
Jul 11, 2025Cowen & Co.Holdinitialise
Jun 11, 2025StephensEqual-WeightOverweightinitialise
Jan 14, 2025CitigroupBuyBuyhold
Jan 03, 2025Deutsche BankHoldHoldhold
Dec 19, 2024Morgan StanleyUnderweightUnderweighthold
Dec 10, 2024JefferiesBuyBuyhold
Dec 09, 2024Bank of America SecuritiesNeutralUnderperformdowngrade

Financial Forecast

EPS Forecast

Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$-1.00$-0.40$-0.36$0.47---
Avg Forecast$-1.06$-0.43$-0.39$0.12$0.26$0.52$0.81
High Forecast$-1.02$-0.40$-0.38$0.14$0.33$0.60$1.17
Low Forecast$-1.14$-0.46$-0.41$0.11$0.24$0.45$0.61
Surprise %-5.66%-6.98%-7.69%291.67%---

Revenue Forecast

$500M $1B $2B $3B $4B $5B Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$977.30M$1.52B$2.07B$2.81B---
Avg Forecast$1.01B$1.52B$2.06B$2.54B$3.17B$3.82B$4.18B
High Forecast$1.06B$1.62B$2.09B$2.55B$3.19B$4.20B$4.21B
Low Forecast$978.92M$1.45B$2.04B$2.53B$3.16B$3.53B$4.15B
Surprise %-3.20%-0.30%0.38%10.36%---

Net Income Forecast

$-2B $-900M $-300M $300M $900M $2B Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$-483.94M$-320.41M$-300.74M$498.67M---
Avg Forecast$-1.00B$-403.78M$-433.41M$138.26M$294.87M$603.52M$922.69M
High Forecast$-965.27M$-379.94M$-416.95M$154.86M$364.30M$657.36M$1.29B
Low Forecast$-1.08B$-435.25M$-449.86M$121.67M$260.21M$493.03M$667.09M
Surprise %-51.85%-20.65%-30.61%260.66%---

SOFI Forecast FAQ

Is SoFi stock a buy?

SoFi stock has a consensus rating of Hold, based on 23 Wall Street analysts. The rating breakdown includes 0 Strong Buy, 7 Buy, 12 Hold, 4 Sell, and 0 Strong Sell, reflecting a consensus that SoFi is a neutral investment for most analysts.

What is SoFi's price target?

SoFi's price target, set by 23 Wall Street analysts, averages $26.75 over the next 12 months. The price target range spans from $18 at the low end to $31 at the high end, suggesting a potential -7.79% change from the previous closing price of $29.01.

How does SoFi stock forecast compare to its benchmarks?

SoFi's stock forecast shows a -7.79% downside, underperforming the average forecast for the financial services stocks sector (6.68%) and underperforming the credit services stocks industry (8.02%), trailing the Digital Banking Stocks List (10.83%) investment idea.

What is the breakdown of analyst ratings for SoFi over the past three months?

  • October 2025: 4.55% Strong Buy, 22.73% Buy, 50.00% Hold, 13.64% Sell, 9.09% Strong Sell.
  • September 2025: 4.55% Strong Buy, 22.73% Buy, 50.00% Hold, 9.09% Sell, 13.64% Strong Sell.
  • August 2025: 4.55% Strong Buy, 22.73% Buy, 50.00% Hold, 9.09% Sell, 13.64% Strong Sell.

What is SoFi’s EPS forecast?

SoFi's average annual EPS forecast for its fiscal year ending in December 2025 is $0.26, marking a -44.68% decrease from the reported $0.47 in 2024. Estimates for the following years are $0.52 in 2026, and $0.81 in 2027.

What is SoFi’s revenue forecast?

SoFi's average annual revenue forecast for its fiscal year ending in December 2025 is $3.17B, reflecting a 12.74% increase from the reported $2.81B in 2024. The forecast for 2026 is $3.82B, and $4.18B for 2027.

What is SoFi’s net income forecast?

SoFi's net income forecast for the fiscal year ending in December 2025 stands at $294.87M, representing a -40.87% decrease from the reported $498.66M in 2024. Projections indicate $603.52M in 2026, and $922.69M in 2027.