Is SOFI stock a Buy, Sell, or Hold?

Based on our analysis, SOFI is currently a HOLD with moderate confidence. 📊 HOLD: SOFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of SOFI stock?

Our analysis estimates the fair value range for SOFI to be between $16.83 and $18.70. The current price is $19.18.

What is the analyst price target for SOFI?

The average Wall Street analyst price target for SOFI is $20.02. This implies a potential upside of 4.4% from current levels.

SOFI Stock Analysis: Buy, Sell, or Hold?

SOFI - SoFi Technologies, Inc. Common Stock

FINANCE SERVICES

$19.18

0.34 (1.80%) ▲

5d: +7.03%

30d: +25.77%

90d: +13.02%

HOLD

MODERATE Confidence

Protect Your SOFI Gains

Analysis Updated: Aug 27, 2026 12:00 AM ET

Earnings: Jul 29, 2026 0d

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Aug 7, 2026 at $18.38 · last confirmed Aug 27, 2026

Strength: 10.0/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: SOFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$40.03

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$24.85

22.8% 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.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: SOFI is currently trading at $19.18, which is considered extended relative to its 30-day fair value range of $16.83 to $18.70. From a valuation perspective, the stock is trading at a discount (Forward PE: 23.3) compared to its historical average (27.8). Remarkably, the market is currently pricing in an annual earnings decline of 5.7% over the next few years. This pessimistic expectation contrasts with the company's recent 40.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, SOFI is in a uptrend. The price is approaching resistance at $19.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $16.83 - $18.70

Company Quality Score 53/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 46.2%

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All Signals

BEARISH: Price extended above range
NEUTRAL: Mixed technical signals (50/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($20.02)
NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation

Trading Range Analysis

30-Day Trading Range $16.83 - $18.70

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $17.64

Resistance Level $19.47

Current Trend Uptrend

Technical data as of Aug 27, 2026

Fundamental Context

Forward P/E (Next Year Est.) 23.33

Wall Street Target $20.03 (+4.4%)

Revenue Growth (YoY) 42.6%

Earnings Growth (YoY) 40.4%

Profit Margin 14.9%

Valuation Discount vs History -5.7% cheaper

PE vs Historical 23.3 vs 27.8 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -5.7% (market-implied from PE analysis)

1-Year Target $18.09 (-6%)

2-Year Target $17.06 (-11%)

3-Year Target $16.08 (-16%)

3-Yr Target (if PE normalizes) (PE: 23→28) $19.17 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 23.3, Growth: 36.9%) $49.21 (+157%)

Base: (SPY PE: 20.1, Growth: 36.9%) $42.34 (+121%)

Bear: (PE: 17.1, Growth: 36.9%) $35.98 (+88%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (38x PE), but valuation improves significantly next year (23x PE) as earnings recover.

Trailing PE: 38.45 | Current EPS (TTM): $0.49

Bull Case $34.77 (+81%)

Analyst growth 67.8%, PE expands to 42.3

Base Case $31.61 (+65%)

Market implied 67.8%, PE stable at 38.5

Bear Case $12.81 (-33%)

Severe decline -20.0%, PE contracts to 32.7

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 23.3 to 27.8

Stabilization Target: $22.86 (+19.2%)

PE Expansion Potential: +19.2%

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Last updated: August 27, 2026 9:19 PM ET
Data refreshes hourly during market hours. Next update: 10:19 PM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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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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