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SOFI
Volume: 68.55M

SoFi Technologies (SOFI) Stock Forecast & Price Target

SoFi Technologies (SOFI) Analyst Ratings

Based on 13 analyst ratings
Hold
Strong Buy 15%
Buy 23%
Hold 46%
Sell 15%
Strong Sell 0%

Bulls say

SoFi Technologies has demonstrated significant growth, with total originations reaching a record $10.5 billion in the fourth quarter, representing a 46% year-over-year increase, driven by substantial loan platform business (LPB) originations. The company's reported GAAP revenue of $1.025 billion also reflects a 39.6% year-over-year increase, surpassing both internal estimates and consensus forecasts, attributed to higher net interest income, loan platform revenue, and interchange fees. Additionally, SoFi added one million members in the quarter and achieved record deposits of $37.4 billion, indicating strong customer acquisition and retention that supports its ambitious growth targets for 2026.

Bears say

SoFi Technologies has experienced a 10% decline in shares following its 4Q25 earnings call, despite reporting record results and a year-over-year improvement in its adjusted contribution margin. The company's outlook is hindered by concerns surrounding potential credit weaknesses due to a prolonged economic downturn, which could lead to increased provisions for credit losses and negatively impact earnings and capital ratios. Additionally, there are significant risks including decreasing demand for personal loans, poor credit quality, and slow adoption of new financial products, which could further exacerbate the company's challenges moving forward.

SoFi Technologies (SOFI) has been analyzed by 13 analysts, with a consensus rating of Hold. 15% of analysts recommend a Strong Buy, 23% recommend Buy, 46% suggest Holding, 15% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of SoFi Technologies and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About SoFi Technologies (SOFI) Forecast

Analysts have given SoFi Technologies (SOFI) a Hold based on their latest research and market trends.

According to 13 analysts, SoFi Technologies (SOFI) has a Hold consensus rating as of Feb 23, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $26.04, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $26.04, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

SoFi Technologies (SOFI)

Volume: 68.55M

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