SOFI Stock Analysis: Buy, Sell, or Hold?
SOFI - SoFi Technologies, Inc. Common Stock
$16.31
-0.16 (-0.97%)
▼
5d:
-0.91%
30d:
-11.55%
90d:
+1.3%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
Smart Money Accumulation
None View Scanner →
Strength: 9.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SOFI appears deeply undervalued. Market expects -10.7% annual earnings decline despite 45% recent earnings growth. Contrarian opportunity at discount to historical valuation.
✅ BUY SIGNAL: SOFI appears deeply undervalued. Market expects -10.7% annual earnings decline despite 45% recent earnings growth. Contrarian opportunity at discount to historical valuation.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$39.49
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$24.52
33.5% 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 $16.31, which is considered oversold relative to its 30-day fair value range of $16.66 to $18.29. From a valuation perspective, the stock is trading at a discount (Forward PE: 20.1) compared to its historical average (28.2). Remarkably, the market is currently pricing in an annual earnings decline of 10.7% over the next few years. This pessimistic expectation contrasts with the company's recent 45.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SOFI is showing sideways momentum. Immediate support is located at $14.01, while resistance sits at $17.66.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $19.87 (+21.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SOFI is showing sideways momentum. Immediate support is located at $14.01, while resistance sits at $17.66.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $19.87 (+21.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$16.66 -
$18.29
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.8% below Wall St target ($19.87)
Trading Range Analysis
30-Day Trading Range
$16.66 -
$18.29
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$14.01
Resistance Level
$17.67
Current Trend
Sideways
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
20.11
Wall Street Target
$19.87
(+21.8%)
Revenue Growth (YoY)
42.6%
Earnings Growth (YoY)
45.4%
Profit Margin
14.9%
Valuation Discount vs History
-10.7% cheaper
PE vs Historical
20.1 vs 28.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-10.7%
(market-implied from PE analysis)
1-Year Target
$14.68
(-10%)
2-Year Target
$13.21
(-19%)
3-Year Target
$11.89
(-27%)
3-Yr Target (if PE normalizes)
(PE: 20→28)
$16.67
(+2%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 36.9%)
$43.14
(+165%)
Base:
(SPY PE: 20.1, Growth: 36.9%)
$41.84
(+157%)
Bear:
(PE: 17.1, Growth: 36.9%)
$35.57
(+118%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (31x PE), but valuation improves significantly next year (20x PE) as earnings recover.
Trailing PE: 31.08 | Current EPS (TTM): $0.53
Bull Case
$27.73
(+70%)
Analyst growth 53.0%, PE expands to 34.2
Base Case
$25.21
(+55%)
Market implied 53.0%, PE stable at 31.1
Bear Case
$11.20
(-31%)
Severe decline -20.0%, PE contracts to 26.4
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 20.1 to 28.2
Stabilization Target:
$22.87
(+40.2%)
PE Expansion Potential:
+40.2%
Share & Embed Analysis
Last updated: August 02, 2026 7:16 PM ET
Data refreshes hourly during market hours. Next update: 8:16 PM
Data refreshes hourly during market hours. Next update: 8:16 PM
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Technical Signals Check
Is SOFI showing a specific setup today?
Insider Activity (6 Months)
3
Buys
5
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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