SOFI Stock Analysis: Buy, Sell, or Hold?
SOFI - SoFi Technologies, Inc. Common Stock
$17.10
-0.81 (-4.52%)
▼
5d:
+3.14%
30d:
+8.99%
90d:
+1.18%
BUY
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Aug 04, 2026
Smart Money Distribution
None View Scanner →
Strength: 9.9/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SOFI shows positive signals but monitor for confirmation. Market pricing in 10.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: SOFI shows positive signals but monitor for confirmation. Market pricing in 10.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$39.75
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$24.68
30.7% 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 $17.10, which is considered slightly high relative to its 30-day fair value range of $15.74 to $17.52. From a valuation perspective, the stock is trading at a discount (Forward PE: 20.9) compared to its historical average (29.6). Remarkably, the market is currently pricing in an annual earnings decline of 10.9% 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 downtrend. Immediate support is located at $15.65, while resistance sits at $18.70. Short-term momentum is weak, with the stock down 4.5% recently.
Market Sentiment: SOFI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.90 (+22.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SOFI is in a downtrend. Immediate support is located at $15.65, while resistance sits at $18.70. Short-term momentum is weak, with the stock down 4.5% recently.
Market Sentiment: SOFI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.90 (+22.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$15.74 -
$17.52
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.4%
All Signals
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-4.5%)
- BULLISH: Trading 22.2% below Wall St target ($20.90)
Trading Range Analysis
30-Day Trading Range
$15.74 -
$17.52
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$15.65
Resistance Level
$18.70
Current Trend
Downtrend
Technical data as of
Jun 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
20.94
Wall Street Target
$20.90
(+22.2%)
Revenue Growth (YoY)
42.5%
Earnings Growth (YoY)
101.2%
Profit Margin
14.8%
Valuation Discount vs History
-10.9% cheaper
PE vs Historical
20.9 vs 29.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-10.9%
(market-implied from PE analysis)
1-Year Target
$15.39
(-10%)
2-Year Target
$13.85
(-19%)
3-Year Target
$12.47
(-27%)
3-Yr Target (if PE normalizes)
(PE: 21→30)
$17.62
(+3%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 38.5%)
$47.21
(+176%)
Base:
(SPY PE: 20.9, Growth: 38.5%)
$45.39
(+165%)
Bear:
(PE: 17.8, Growth: 38.5%)
$38.58
(+126%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (40x PE), but valuation improves significantly next year (21x PE) as earnings recover.
Trailing PE: 39.80 | Current EPS (TTM): $0.45
Bull Case
$35.75
(+109%)
Analyst growth 81.4%, PE expands to 43.8
Base Case
$32.50
(+90%)
Market implied 81.4%, PE stable at 39.8
Bear Case
$12.18
(-29%)
Severe decline -20.0%, PE contracts to 33.8
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 29.6
Stabilization Target:
$24.17
(+41.3%)
PE Expansion Potential:
+41.3%
Share & Embed Analysis
Last updated: June 23, 2026 9:41 AM ET
Data refreshes hourly during market hours. Next update: 10:41 AM
Data refreshes hourly during market hours. Next update: 10:41 AM
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Technical Signals Check
Is SOFI showing a specific setup today?
Insider Activity (6 Months)
3
Buys
6
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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