19.5% Below Target

SoFi Technologies, Inc. (SOFI) has a consensus 12-month price target of $21.4, implying 19.5% upside from $17.91. The 27 analysts covering SOFI see moderate appreciation potential.

SOFI has a consensus rating of "Hold" based on 27 Wall Street analysts. The rating breakdown is mixed, with 14 Hold ratings making up the largest segment. The consensus 12-month price target of $21.4 implies 19.5% upside from current levels.

SOFI trades at a forward P/E of 30.0101x, representing a moderate valuation. With analysts targeting $21.4 (19.5% implied move), the stock appears reasonably valued with upside.

The most bullish Wall Street analyst has a price target of $29 for SOFI, while the most conservative target is $16. The consensus of $21.4 represents the median expectation. Our quantitative valuation model projects a bull case target of $30 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

SOFI is heavily covered by Wall Street, with 27 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 9 have Buy ratings, 14 recommend Hold, and 4 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

The 12-month SOFI stock forecast based on 27 Wall Street analysts shows a consensus price target of $21.4, with estimates ranging from $16 (bear case) to $29 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $23, with bear/bull scenarios of $14/$30.

Our quantitative valuation model calculates SOFI's fair value at $23 (base case), with a bear case of $14 and bull case of $30. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 68/100.

SOFI trades at a forward P/E ratio of 30.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 45.9x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Wall Street analysts are optimistic on SOFI, with a "Hold" consensus rating and $21.4 price target (19.5% upside). 9 of 27 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

SOFI analyst price targets range from $16 to $29, a 61% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $21.4 consensus represents the middle ground. Our model's $14-$30 range provides an independent fundamental perspective.