Is SOFI stock a Buy, Sell, or Hold?

Based on our analysis, SOFI is currently a WAIT with low confidence. 📊 MIXED SIGNALS: SOFI shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of SOFI stock?

Our analysis estimates the fair value range for SOFI to be between $17.63 and $18.65. The current price is $17.32.

What is the analyst price target for SOFI?

The average Wall Street analyst price target for SOFI is $20.34. This implies a potential upside of 17.4% from current levels.

SoFi Technologies (SOFI) Stock: Buy, Sell, or Hold?

SOFI - SoFi Technologies, Inc. Common Stock

FINANCE SERVICES

$17.32

0.11 (0.64%) ▲

5d: -6.43%

30d: -3.46%

90d: +3.9%

WAIT

LOW Confidence

Protect Your SOFI Gains

Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Oct 27, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Sep 4, 2026 at $18.22 · last confirmed Sep 11, 2026

Strength: 9.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 MIXED SIGNALS: SOFI shows conflicting indicators. Wait for confirmation before entering.

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

$40.29

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$25.02

30.8% 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 $17.32, which is considered oversold relative to its 30-day fair value range of $17.63 to $18.65. From a valuation perspective, the stock is trading at a discount (Forward PE: 20.9) compared to its historical average (27.5). Remarkably, the market is currently pricing in an annual earnings decline of 8.7% 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 currently testing key support at $16.92. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: SOFI scores 24/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $20.34 (+17.4%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $17.63 - $18.65

Company Quality Score 46/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 54.8%

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All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (24/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($20.34)
WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $17.63 - $18.65

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $16.92

Resistance Level $19.50

Current Trend Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 20.93

Wall Street Target $20.34 (+17.4%)

Revenue Growth (YoY) 42.6%

Earnings Growth (YoY) 40.4%

Profit Margin 14.9%

Valuation Discount vs History -8.7% cheaper

PE vs Historical 20.9 vs 27.5 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -8.7% (market-implied from PE analysis)

1-Year Target $15.81 (-9%)

2-Year Target $14.44 (-17%)

3-Year Target $13.18 (-24%)

3-Yr Target (if PE normalizes) (PE: 21→28) $17.32 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.9, Growth: 38.8%) $46.30 (+167%)

Base: (SPY PE: 20.2, Growth: 38.8%) $44.63 (+158%)

Bear: (PE: 17.1, Growth: 38.8%) $37.93 (+119%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (35x PE), but valuation improves significantly next year (21x PE) as earnings recover.

Trailing PE: 35.12 | Current EPS (TTM): $0.49

Bull Case $31.97 (+85%)

Analyst growth 68.9%, PE expands to 38.6

Base Case $29.07 (+68%)

Market implied 68.9%, PE stable at 35.1

Bear Case $11.70 (-32%)

Severe decline -20.0%, PE contracts to 29.9

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 20.9 to 27.5

Stabilization Target: $22.76 (+31.4%)

PE Expansion Potential: +31.4%

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Last updated: September 12, 2026 1:33 AM ET
Data refreshes hourly during market hours. Next update: 2:33 AM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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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