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 $16.79 and $18.48. The current price is $18.91.

What is the analyst price target for SOFI?

The average Wall Street analyst price target for SOFI is $19.98. This implies a potential upside of 11.5% from current levels.

SOFI Stock Analysis: Buy, Sell, or Hold?

SOFI - SoFi Technologies, Inc. Common Stock

FINANCE SERVICES

$18.91

0.99 (5.52%) ▲

5d: +3.39%

30d: +13.57%

90d: +20.83%

WAIT

LOW Confidence

Protect Your SOFI Gains

Analysis Updated: Aug 21, 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 21, 2026

Strength: 10.0/10

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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

$39.97

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$24.82

23.8% 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 $18.91, which is considered extended relative to its 30-day fair value range of $16.79 to $18.48. From a valuation perspective, the stock is trading at a discount (Forward PE: 21.8) compared to its historical average (27.9). Remarkably, the market is currently pricing in an annual earnings decline of 7.9% 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 $19.17. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.5% recently.

Market Sentiment: The stock scores a mixed 42/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $19.98 (+11.5%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $16.79 - $18.48

Company Quality Score 44/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 53.3%

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All Signals

BEARISH: Price extended above range
NEUTRAL: Mixed technical signals (42/100)
BULLISH: High volume confirmation
BULLISH: Strong upward momentum (+5.5%)
BULLISH: Trading below Wall St target ($19.98)
WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $16.79 - $18.48

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $17.64

Resistance Level $19.17

Current Trend Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 21.83

Wall Street Target $19.98 (+11.5%)

Revenue Growth (YoY) 42.6%

Earnings Growth (YoY) 40.4%

Profit Margin 14.9%

Valuation Discount vs History -7.9% cheaper

PE vs Historical 21.8 vs 27.9 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -7.9% (market-implied from PE analysis)

1-Year Target $16.50 (-8%)

2-Year Target $15.20 (-15%)

3-Year Target $14.00 (-22%)

3-Yr Target (if PE normalizes) (PE: 22→28) $17.89 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 21.8, Growth: 37.9%) $46.96 (+162%)

Base: (SPY PE: 20.1, Growth: 37.9%) $43.18 (+141%)

Bear: (PE: 17.1, Growth: 37.9%) $36.70 (+105%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (36x PE), but valuation improves significantly next year (22x PE) as earnings recover.

Trailing PE: 36.12 | Current EPS (TTM): $0.51

Bull Case $32.62 (+73%)

Analyst growth 61.0%, PE expands to 39.7

Base Case $29.65 (+57%)

Market implied 61.0%, PE stable at 36.1

Bear Case $12.53 (-34%)

Severe decline -20.0%, PE contracts to 30.7

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 21.8 to 27.9

Stabilization Target: $22.91 (+27.8%)

PE Expansion Potential: +27.8%

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Last updated: August 23, 2026 12:56 AM ET
Data refreshes hourly during market hours. Next update: 1:56 AM

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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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