SoFi Technologies (SOFI) Stock: Buy, Sell, or Hold?
$16.54
+0.16 (+1.01%)
â˛
5d:
-4.86%
30d:
+8.5%
90d:
-10.28%
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70/30 Portfolio Builder
Earnings: Oct 27, 2026
0d
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Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (43%)
Quality Score
40/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$14.80 â $16.73
Position: SLIGHTLY HIGH
Forward P/E & Valuation
18.2x
CHEAP
vs 26.0x historical avg
Wall Street Target
$20.84
+27.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$15.43 / $17.74
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: SOFI is fairly priced but lacks strong directional signals. At -11.2% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$43.80
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$27.19
39.2% 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 $16.54, which is considered slightly high relative to its 30-day fair value range of $14.80 to $16.73. From a valuation perspective, the stock is trading at a discount (Forward PE: 18.2) compared to its historical average (26.0). Remarkably, the market is currently pricing in an annual earnings decline of 11.2% over the next few years. This pessimistic expectation contrasts with the company's recent 64.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SOFI is in a downtrend. Immediate support is located at $15.43, while resistance sits at $17.74.
Market Sentiment: SOFI scores 36/100 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 $20.84 (+27.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SOFI is in a downtrend. Immediate support is located at $15.43, while resistance sits at $17.74.
Market Sentiment: SOFI scores 36/100 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 $20.84 (+27.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$14.80 -
$16.73
Company Quality Score
40/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
42.9%
Trading Range & Key Levels
30-Day Trading Range
$14.80 -
$16.73
Current vs Trading Range
SLIGHTLY HIGH
Support Level
$15.43
Resistance Level
$17.74
Current Trend
Downtrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding SOFI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.3% below Wall St target ($20.84)
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
18.20
Wall Street Target
$20.84
(+27.3%)
Revenue Growth (YoY)
43.9%
Earnings Growth (YoY)
64.4%
Profit Margin
15.8%
Valuation Discount vs History
-11.2% cheaper
PE vs Historical
18.2 vs 26.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-11.2%
(market-implied from PE analysis)
1-Year Target
$14.73
(-10%)
2-Year Target
$13.26
(-19%)
3-Year Target
$11.93
(-27%)
3-Yr Target (if PE normalizes)
(PE: 18â26)
$17.05
(+4%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 47.8%)
$57.67
(+252%)
Base:
(SPY PE: 18.2, Growth: 47.8%)
$52.84
(+223%)
Bear:
(PE: 15.5, Growth: 47.8%)
$44.92
(+174%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (30x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 30.45 | Current EPS (TTM): $0.55
Bull Case
$30.14
(+84%)
Analyst growth 63.6%, PE expands to 33.5
Base Case
$27.40
(+67%)
Market implied 63.6%, PE stable at 30.5
Bear Case
$11.39
(-30%)
Severe decline -20.0%, PE contracts to 25.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 18.2 to 26.0
Stabilization Target:
$23.39
(+42.9%)
PE Expansion Potential:
+42.9%
Share SOFI Analysis
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (SOFI)
Bullish
6 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
5 msgs
24h retail stream
Last Tracked
Nov 11, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits messages show bullish sentiment towards $SOFI, with some traders discussing potential purchases. The latest Yahoo Finance news article discusses XRP's decline and whether it's dead, but the article itself doesn't directly mention $SOFI.
Key Retail Themes:
Bullish sentiment towards $SOFI on StockTwits
XRP's decline and uncertainty in the crypto market
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:33 PM ET
Data refreshes hourly during market hours. Next update: 2:33 PM
Data refreshes hourly during market hours. Next update: 2:33 PM
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Insider Activity (6 Months)
0
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