Jump to any asset
849 assets, updated daily
As of September 27, 2026, SoFi Technologies, Inc. (SOFI) trades at $16.58. CleaRank Financial AI rates it Hold with a fair value of $16.58, in line with the current price. Wall Street's consensus target is $19.00 across 26 analysts. RSI at 29 is in oversold territory, and the price is below its 50-day average of $17.58.
SoFi Technologies, Inc. (SOFI)
SoFi Technologies, Inc. NASDAQ
$16.58
-0.2200 (-1.31%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
57 / 100
SoFi Technologies, Inc. (SOFI) is currently trading at $16.58, below its 50-day and 200-day moving averages ($17.58 and $19.22), indicating a bearish technical trend. The company has demonstrated strong revenue growth of 42.6% year-over-year, and its net profit margin stands at 14.91%, outperforming the sector median of 13.8% for ROE. However, recent insider activity shows a moderate sell signal, with total sales of $18.7 million against $2.5 million in purchases. The median Wall Street price target is $19.00, suggesting a 14.6% upside from the current price, with a consensus rating of Hold. Analysts project earnings per share of $0.59 for the current year and $0.82 for the next, with revenue growth expected to continue at 36.00% and 26.00% respectively. Despite these positive growth indicators and a healthy profit margin, the current technical setup and insider selling present near-term headwinds.
SOFI Price Analysis
Market Metrics
Open
$16.79
Day Range
$16.55 to $16.92
Prev Close
$16.80
Volume
31.36M
52-Week Range
$14.88 to $32.73
Market Cap
$21.41B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a significant premium to sector peers (+105%), suggesting market expectations for superior growth or market position.
SOFI Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, SOFI beat estimates 4 times. The stock rose 3 times the next day. Price tends to react positively to beats.
SOFI Analysis
Company's Health
3/5
12-Month Analyst Target
+14.60% Upside
Median of 26 analysts (12-month)
$19.00
AI Technical Analysis
SoFi Technologies, Inc. is currently trading below its 50-day and 200-day moving averages ($17.58 and $19.22), signaling a bearish trend. The Relative Strength Index (RSI) is at 28.87, indicating an oversold condition, which could suggest a potential for a short-term bounce. Key support levels are not clearly defined due to limited long-term data, but the current price action suggests downward momentum. Volume on the latest trading day was 31.36 million shares, below the average of 52.24 million shares, indicating reduced trading conviction. The MACD is also showing bearish momentum. While the oversold RSI might hint at a reversal, the sustained trading below key moving averages and the moderate insider selling signal a cautious outlook for the immediate future.
ProTips
- Given the moderate insider selling signal and bearish technicals, consider waiting for a clearer trend confirmation or a break above resistance before initiating new positions.
- The RSI is currently oversold, which may indicate a short-term buying opportunity, but this should be confirmed by other technical indicators and a break of key moving averages.
- With a P/E ratio significantly above the sector median, investors should closely monitor future earnings reports and guidance for sustained profitability to justify the current valuation.
Key Catalysts
Bullish
Positive Earnings Surprise in Q2 2026
SoFi Technologies, Inc. beat EPS estimates by 9.09% in the quarter ending June 2026, leading to an 8% stock price increase, indicating improving operational performance.
Source: Earnings ReportBearish
Moderate Insider Selling Signal
Insiders have sold $18.7 million worth of stock against $2.5 million in purchases, signaling a moderate sell-off and potential lack of confidence from management.
Source: Insider TransactionsBearish
Trading Below Key Moving Averages
SoFi Technologies, Inc. is currently trading below its 50-day and 200-day moving averages ($17.58 and $19.22), indicating bearish technical momentum and potential for further downside.
Source: Technical AnalysisBullish
Strong Projected Revenue Growth
Analysts forecast revenue growth of 36.00% for the current year and 26.00% for the next, driven by expansion in its lending and financial services segments.
Source: Analyst EstimatesMarket Outlook
The base case scenario for SoFi Technologies, Inc. suggests a potential move towards its median analyst target price of $19.00, implying a 14.6% upside from the current $16.58. This outlook is supported by strong projected revenue growth of 36.00% for the current year and 26.00% for the next, alongside positive earnings per share estimates. The company's solid profit margins also provide a foundation for potential recovery. However, the outlook is tempered by significant headwinds. The stock's current trading below key moving averages and the moderate insider selling signal present near-term risks. A failure to break above resistance levels or continued insider divestment could push the stock lower, potentially testing the downside projection of $5.87 for 2030. Positive catalysts would need to emerge to shift the current bearish technical momentum and justify a higher valuation.
Key Statistics
| Market Cap | 21.41B |
|---|---|
| P/E Ratio | 33.84 |
| EPS (TTM) | 0.4900 |
| Dividend Yield | 0.00% |
| 52 Week High | 32.73 |
| 52 Week Low | 14.88 |
SoFi Technologies, Inc. exhibits a Price-to-Earnings (P/E) ratio of 33.84, which is significantly higher than the sector median of 16.5, suggesting a premium valuation. Its Price-to-Sales (P/S) ratio of 5.02 also exceeds the sector median of 3.8. The company's Return on Equity (ROE) is 7.10%, below the sector average of 13.8%, while its profit margin of 14.91% is above the sector median. The company's debt-to-equity ratio stands at 0.31, which is in line with the sector average. Despite the higher valuation multiples compared to its peers, SoFi's strong revenue growth of 42.6% and solid profit margins provide some fundamental support. However, the current valuation appears stretched relative to its profitability and sector averages.
Earnings & Growth Analysis
SoFi Technologies, Inc. most recently reported earnings for the quarter ending June 2026, with an actual EPS of $0.12, beating the estimated $0.11 by 9.09% and resulting in an 8% price increase. Prior to this, the company missed estimates in the quarter ending March 2026, with an actual EPS of $0.12 against an estimate of $0.12, leading to a 15.44% price drop. The company has shown a mixed pattern of earnings surprises, with recent positive beats suggesting improving operational efficiency.
Key Risks
A primary risk for SoFi Technologies, Inc. is its elevated valuation multiples, with a P/E ratio of 33.84 and P/S ratio of 5.02, both significantly higher than sector averages. The company is also experiencing moderate insider selling, with total sales exceeding purchases by a substantial margin, signaling potential caution among management. Also, the stock is trading below its key 50-day and 200-day moving averages, indicating bearish technical momentum.
Technical Indicators
| RSI (14) | 28.87 |
|---|---|
| MACD | -0.33 |
| SMA 50 | 17.58 |
| SMA 200 | 19.22 |
RSI
Oversold
SMA Cross
Bearish
Price vs SMA
Bearish
MACD
Bearish
Moving averages show a lagging Death Cross (50-day: $17.58, 200-day: $19.22), price is trading below the 50-day SMA, RSI at 28.9 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.65
Moderate correlation
Nasdaq 100 (QQQ)
+0.63
Moderate correlation
Bitcoin (BTC)
+0.45
Moderate correlation
Gold (XAU)
+0.16
Weak correlation
Check Custom Correlation
How does any other asset move with SOFI? One year of daily closes, Pearson correlation.
Try
SOFI Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$16.41
Slight discount to current
Wait for small dip
Aggressive
$16.58
At current price
Enter now if confident
Risk Management
STOP LOSS
$15.62
MAX LOSS
-4.8%
Volatility-Adjusted Stop Loss
Calculated based on RSI (28.9) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$16.91
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$17.23
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$17.73
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for SOFI is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 27, 2026.Growth of $10,000
A $10,000 investment in SOFI in January 2021 would be worth about $13,590 today, compared with about $20,916 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in SOFI today could grow to about $18,406 by 2036 in the base case, with a bull case near $139,637 and a bear case around $2,426. Projections are statistical simulations, not guarantees.
SOFI Stock Price Prediction: 2030
CleaRank's simulation projects a price near $21.16 for SOFI by 2030 in the base case, from $16.58 today (1.3x over 4 years). The downside path ends near $5.87. These are outcomes of a Monte Carlo simulation run on SOFI's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $9.29 | $17.62 | $33.45 |
| 2028 | $7.57 | $18.73 | $46.36 |
| 2029 | $6.56 | $19.91 | $60.41 |
| 2030 | $5.87 | $21.16 | $76.24 |
| 2031 | $5.37 | $22.49 | $94.26 |
| 2032 | $4.98 | $23.91 | $115 |
| 2033 | $4.66 | $25.41 | $138 |
| 2034 | $4.41 | $27.01 | $165 |
| 2035 | $4.20 | $28.71 | $196 |
| 2036 | $4.02 | $30.52 | $232 |
Method: 10,000 simulated price paths using SOFI's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
SOFI Insider Trading Analysis
Bought
$2.5M
7 Transactions
Sold
$18.7M
26 Transactions
Insiders
17
Active Traders
Avg Transaction
$641.7K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Dec 4, 2024 | SLTA IV GP, L.L.C.
Unknown
|
Sell | 31.2M | $498.8M |
| Nov 18, 2021 | SOFTBANK GROUP CORPORATION
Director and Beneficial Owner of more than 10% of a Class of Security
|
Sell | 22.5M | $486.3M |
| Nov 18, 2021 | WILKES THOMAS CLAYTON
Officer and Director
|
Sell | 10.1M | $217.7M |
| Nov 18, 2021 | SLTA IV GP, L.L.C.
Director
|
Sell | 7.4M | $159.0M |
| Jun 13, 2024 | QATAR INVESTMENT AUTHORITY
Affiliated Person
|
Sell | 19.8M | $134.5M |
| Nov 18, 2021 | QATAR INVESTMENT AUTHORITY
Unknown
|
Sell | 4.7M | $101.3M |
| Aug 8, 2022 | SOFTBANK GROUP CORPORATION
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 12.1M | $97.6M |
| Sep 13, 2021 | WILKES THOMAS CLAYTON
Officer and Director
|
Sell | 1.1M | $17.0M |
| Sep 18, 2025 | RISHEL JEREMY DYLAN
Chief Technology Officer
|
Sell | 98.7K | $2.7M |
| Jun 10, 2025 | YESIL MAGDALENA
Director
|
Sell | 174.3K | $2.5M |
Page 1 of 1
Frequently Asked Questions
What is SoFi Technologies, Inc.'s current stock price and consensus rating?
As of September 27, 2026, SoFi Technologies, Inc. (SOFI) is trading at $16.58. The consensus rating among analysts is Hold, with a consensus score of 57 out of 100.
What is the median analyst price target for SoFi Technologies, Inc. stock?
The median analyst price target for SoFi Technologies, Inc. is $19.00, which represents an upside of 14.6% from the current stock price of $16.58.
How has SoFi Technologies, Inc. performed technically in the recent past?
SoFi Technologies, Inc. is currently trading below its 50-day and 200-day moving averages ($17.58 and $19.22), indicating a bearish trend. The RSI is at 28.87, suggesting an oversold condition.
What are the key fundamental metrics for SoFi Technologies, Inc. compared to its sector?
SoFi's P/E ratio of 33.84 and P/S ratio of 5.02 are higher than the sector medians of 16.5 and 3.8, respectively. However, its profit margin of 14.91% is above the sector median, and its revenue growth is a strong 42.6%.
What is the recent insider trading activity for SoFi Technologies, Inc.?
Insiders at SoFi Technologies, Inc. are net sellers, with total sales of $18.7 million compared to $2.5 million in purchases in recent filings. This indicates a moderate sell signal.
What is SoFi's stock price prediction for 2030?
Based on Monte Carlo simulations, SoFi's stock price prediction for 2030 has a base case of $21.16, a downside case of $5.87, and an upside case of $76.24. These are statistical outcomes, not guarantees.
How did SoFi Technologies, Inc. perform in its most recent earnings report?
In the quarter ending June 2026, SoFi Technologies, Inc. reported an EPS of $0.12, beating the estimate of $0.11 by 9.09%, which led to an 8% increase in its stock price.