SOFI Stock Analysis: Buy, Sell, or Hold?
SOFI - SoFi Technologies, Inc. Common Stock
$16.03
-1.12 (-6.53%)
▼
5d:
-12.02%
30d:
-1.66%
90d:
-15.19%
WAIT
LOW Confidence
Analysis Updated: Jun 5, 2026 12:00 AM ET
Earnings: Jul 28, 2026
Smart Money Accumulation
None View Scanner →
Strength: 7.0/10
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19 traders called SOFI this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: SOFI is down 12.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: SOFI is down 12.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.98
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$23.58
32.0% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SOFI is currently trading at $16.03, which is considered fair relative to its 30-day fair value range of $15.43 to $17.39. From a valuation perspective, the stock is trading at a discount (Forward PE: 20.6) compared to its historical average (30.2). Remarkably, the market is currently pricing in an annual earnings decline of 12.0% over the next few years. This pessimistic expectation contrasts with the company's recent 101.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SOFI is in a strong downtrend. Immediate support is located at $15.36, while resistance sits at $18.80. Short-term momentum is weak, with the stock down 6.5% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.00 (+31.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SOFI is in a strong downtrend. Immediate support is located at $15.36, while resistance sits at $18.80. Short-term momentum is weak, with the stock down 6.5% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.00 (+31.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$15.43 -
$17.39
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
Protect Your Profits
Holding SOFI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-6.5%)
- BULLISH: Trading 31.0% below Wall St target ($21.00)
- WARNING: Recommendation downgraded due to -12.0% 5-day decline - wait for stabilization
Trading Range Analysis
30-Day Trading Range
$15.43 -
$17.39
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$15.36
Resistance Level
$18.80
Current Trend
Strong Downtrend
Technical data as of
Jun 5, 2026
Fundamental Context
Forward P/E (Next Year Est.)
20.55
Wall Street Target
$21.00
(+31.0%)
Revenue Growth (YoY)
42.5%
Earnings Growth (YoY)
101.2%
Profit Margin
14.8%
Valuation Discount vs History
-12.0% cheaper
PE vs Historical
20.6 vs 30.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-12.0%
(market-implied from PE analysis)
1-Year Target
$14.43
(-10%)
2-Year Target
$12.98
(-19%)
3-Year Target
$11.69
(-27%)
3-Yr Target (if PE normalizes)
(PE: 21→30)
$17.18
(+7%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 34.6%)
$41.67
(+160%)
Base:
(SPY PE: 20.5, Growth: 34.6%)
$39.08
(+144%)
Bear:
(PE: 17.5, Growth: 34.6%)
$33.22
(+107%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (38x PE), but valuation improves significantly next year (21x PE) as earnings recover.
Trailing PE: 38.11 | Current EPS (TTM): $0.45
Bull Case
$32.71
(+104%)
Analyst growth 73.4%, PE expands to 41.9
Base Case
$29.73
(+86%)
Market implied 73.4%, PE stable at 38.1
Bear Case
$11.66
(-27%)
Severe decline -20.0%, PE contracts to 32.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 20.5 to 30.2
Stabilization Target:
$23.56
(+47.0%)
PE Expansion Potential:
+47.0%
Share & Embed Analysis
Last updated: June 06, 2026 5:29 AM ET
Data refreshes hourly during market hours. Next update: 6:29 AM
Data refreshes hourly during market hours. Next update: 6:29 AM
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Technical Signals Check
Is SOFI showing a specific setup today?
Insider Activity (6 Months)
3
Buys
8
Sells
Net
INSIDERS SELLING
Recent Transactions
Kelli Keough
SELL
9742 shares
2026-04-21
Kelli Keough
SELL
9742 shares
2026-03-20
Jeremy Rishel
SELL
94958 shares
2026-03-18
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