Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of February 28, 2026, SoFi Technologies, Inc. (SOFI) has a Wall Street consensus price target of $28.56, based on estimates from 24 covering analysts. With the stock currently trading at $17.76, this represents a potential upside of +60.8%. The company has a market capitalization of $21.39B.
Analyst price targets range from a low of $18.00 to a high of $38.00, representing a 70% spread in expectations. The median target of $28.00 aligns closely with the consensus average. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Hold, with 8 analysts rating the stock as a Buy or Strong Buy,12 rating it Hold, and 4 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, SOFI trades at a trailing P/E of 45.5x and forward P/E of 29.7x. Analysts expect EPS to grow +20.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $2.39, with bear and bull scenarios of $-74.56 and $13.75 respectively. Model confidence stands at 48/100, suggesting limited visibility into future performance.
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Start ComparisonThe consensus Wall Street price target for SOFI is $28.56, representing 60.8% upside from the current price of $17.76. With 24 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
SOFI has a consensus rating of "Hold" based on 24 Wall Street analysts. The rating breakdown is mixed, with 12 Hold ratings making up the largest segment. The consensus 12-month price target of $28.56 implies 60.8% upside from current levels.
SOFI trades at a forward P/E of 29.7288x, representing a moderate valuation. With analysts targeting $28.56 (60.8% implied move), the stock appears reasonably valued with upside.
The most bullish Wall Street analyst has a price target of $38 for SOFI, while the most conservative target is $18. The consensus of $28.56 represents the median expectation. Our quantitative valuation model projects a bull case target of $14 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
SOFI is well covered by analysts, with 24 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 8 have Buy ratings, 12 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 24 Wall Street analysts shows a consensus price target of $28.56, with estimates ranging from $18 (bear case) to $38 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $2, with bear/bull scenarios of $-75/$14.
Our quantitative valuation model calculates SOFI's fair value at $2 (base case), with a bear case of $-75 and bull case of $14. 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 48/100.
SOFI trades at a forward P/E ratio of 29.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 45.5x. 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 very optimistic on SOFI, with a "Hold" consensus rating and $28.56 price target (60.8% upside). 8 of 24 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 $18 to $38, a 70% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $28.56 consensus represents the middle ground. Our model's $-75-$14 range provides an independent fundamental perspective.