AI PRICE FORECAST
SOFI Stock Forecast & AI Price Prediction
SoFi Technologies · Financial Services · Credit Services
SOFI live signal snapshot
Shares of SOFI were last at $16.27, down 0.61% on the day, trading 50.3% below its 52-week high of $32.73 and 17.4% above its 52-week low of $13.86. The model's verdict for SOFI right now: BUY (67% confidence). The short-term averages are tangled, giving no clean trend signal either way. Its one-month projection is about $17.01, a 4.5% move from the last price.
SOFI's 14-day RSI is 60.9 — healthy bullish momentum without being overextended. The MACD indicator sits over its signal line, and the histogram reading of 0.07 shows buying pressure building. Its 50-day average ($16.28) remains 6.5% below the 200-day ($17.41), the pattern chartists call a death cross.
23 Wall Street analysts covering SOFI put the average price target at $20.84 (range $12.00–$30.00), implying 28.1% upside from the current price. The current recommendation trend leans bullish: 11 Buy/Strong Buy ratings vs 4 Sell/Strong Sell (and 10 Hold).
Live figures from real market data feeds, current as of the last site build. Open the interactive SOFI dashboard for numbers updated throughout today's session.
About SoFi Technologies
SoFi Technologies, Inc. (SOFI) is a credit services company in the financial services sector, headquartered in San Francisco, CA, United States. SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. It has a market value of about $21.1 billion and roughly 6,100 full-time employees. With a beta of 2.24, the stock has historically swung more than the overall market.
SOFI performance vs. the market
Since the start of 2026 the stock has fallen 37.9%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). Over the past 12 months the stock has lost 46.7%, 58.2 points worse than the S&P 500. The direction has flipped lately — +6.8% over the past month versus −11.7% across three.
| Period | SOFI | Sector (XLF) | S&P 500 |
|---|---|---|---|
| 1 month | +6.8% | +7.0% | −2.3% |
| 3 months | −11.7% | +0.6% | −2.3% |
| Year to date | −37.9% | +7.0% | +11.4% |
| 1 year | −46.7% | +10.7% | +11.5% |
SoFi Technologies financials at a glance
SoFi Technologies's most recent quarter (ended Sep 30, 2026) brought in $1.4 billion of revenue and net income of $241 million (a 17.6% net margin). Revenue was up 43.9% from the same quarter a year earlier. The stock trades at a price-to-earnings ratio of 29.6 on trailing earnings of $0.55 per share.
| Quarter ended | Revenue | Net income |
|---|---|---|
| Sep 30, 2026 | $1.4B | $241M |
| Jun 30, 2026 | $1.2B | $157M |
| Mar 31, 2026 | $1.1B | $167M |
| Dec 31, 2025 | $1.0B | $174M |
SOFI vs. its peers
SOFI's −37.9% this year ranks ahead of 0 of the 5 big financial services names below. The strongest of the group this year is Visa (V, +21.3%).
| Company | Price | YTD | P/E | AI verdict |
|---|---|---|---|---|
| SoFi Technologies (SOFI) | $16.27 | −37.9% | 29.6 | BUY |
| Visa (V) | $425.55 | +21.3% | 34.5 | BUY |
| Mastercard (MA) | $660.73 | +15.7% | 34.6 | BUY |
| American Express (AXP) | $323.11 | −12.7% | 18.2 | HOLD |
| Capital One Financial (COF) | $197.11 | −18.7% | 12.1 | SELL |
| PayPal Holdings (PYPL) | $59.48 | +1.9% | 11.4 | BUY |
SOFI stock: common questions
What is the SOFI stock price target?
23 Wall Street analysts put the average 12-month target at $20.84, in a range of $12.00–$30.00, versus a recent price of $16.27. Stock Pulse 247's model projects about $17.01 over the next month.
Is SOFI a buy right now?
Our AI model currently rates SOFI a BUY at 67% confidence. Among analysts, 11 rate it Buy or Strong Buy, 10 Hold and 4 Sell. Neither is personal advice — weigh them with your own research and risk tolerance.
How has SOFI stock performed this year?
Since the start of 2026 the stock has fallen 37.9%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). Over the past 12 months the stock has lost 46.7%, 58.2 points worse than the S&P 500. The direction has flipped lately — +6.8% over the past month versus −11.7% across three.
What is SOFI's 52-week high and low?
SOFI has traded between $13.86 and $32.73 over the past 52 weeks; at $16.27 it is 50.3% below its 52-week high of $32.73 and 17.4% above its 52-week low of $13.86.
What sector is SOFI in, and who are its peers?
SOFI is in the financial services sector (credit services). Its largest peers on Stock Pulse 247 include Visa (V), Mastercard (MA), American Express (AXP), Capital One Financial (COF).
How accurate is the SOFI forecast?
It's a model estimate from price history, technical indicators and analyst targets, not a guarantee — no model predicts short-term moves reliably. Use it as one input alongside your own research.
How this works: the forecast combines SOFI's price history, momentum indicators (RSI, MACD, moving averages), volatility and analyst targets into one estimate. It's a model, not a guarantee.