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SoFi Technologies, Inc.
SOFI
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $23.7B
$18.24
▼ -1.08%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$14.92 - $32.73
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 1.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Advanced technological infrastructure
- Integrated financial ecosystem
- Digital-first user experience
- Proprietary technology platforms
Bear Case
2 risks
- High volatility (beta 2.2). Larger-than-normal price swings expected.
- Growth premium of 2.8x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Growth
Mild headwinds expected
Digital banking adoption
Value
Growth premium of 2.8x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Momentum
Strong
+16.3% over 3m
Quality
Excellent
High-growth business (32% revenue growth, 76% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying SOFI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 27, 2026
APR 29, 2026
Reported EPS of $0.12 vs $0.12 consensus (0.0% surprise). Revenue of $1.1B vs $1.0B expected (+3.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
0.0%
Next: Apr 27, 2026
Revenue trend · last 8Q
—
—
+18%
+22%
+31%
+29%
+32%
+36%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$860.6M
$986.2M
$1.0B
$1.0B
$1.1B
$1.3B
$1.3B
$1.4B
Margins · last 8Q
Gross
77.5%
Operating
14.2%
Profit
11.8%
Wall Street consensus
12 analysts · 42% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
42%
Hold
50%
Sell
8%
Median Price Target
$19.00
▲ +4.2% vs $18.24
Latest: Truist · $17.00 · May 12, 2026
9 analysts covering