SoFi Technologies, Inc. (SOFI) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$16.30
Price Target
$20.89
Target Range
$16.00 — $28.00
Analyst Rating
Hold
Forward P/E27.0x
Trailing P/E41.8x
Forward PEG—
Implied Growth+69.1%
Median Target$20.00
Analyst Spread57.4%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$16
-1.8%
Consensus
$21
+28.2%
Bull Case
$28
+71.8%
SOFI Price Target Analysis
Updated May 7, 2026As of May 7, 2026, SoFi Technologies, Inc. (SOFI) has a Wall Street consensus price target of $20.89, based on estimates from 27 covering analysts. With the stock currently trading at $16.30, this represents a potential upside of +28.2%. The company has a market capitalization of $20.79B.
Analyst price targets range from a low of $16.00 to a high of $28.00, representing a 57% spread in expectations. The median target of $20.00 aligns closely with the consensus average. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Hold, with 9 analysts rating the stock as a Buy or Strong Buy,14 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 41.8x and forward P/E of 27.0x. Analysts expect EPS to grow +69.1% over the next year.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside+29.6%
Avg Forward P/E19.8x
Peers with Coverage9 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 LCLendingClub Corporation | $2.0B | $17.06 | $22.75 | +33.4% | Buy | 9.8x | 29 |
 UPSTUpstart Holdings, Inc. | $2.7B | $28.68 | $45.17 | +57.5% | Buy | 14.5x | 22 |
 AFRMAffirm Holdings, Inc. | $21.8B | $65.58 | $80.77 | +23.2% | Buy | 60.8x | 33 |
 DAVEDave Inc. | $3.3B | $246.37 | $309.25 | +25.5% | Buy | 18.9x | 11 |
 OPFIOppFi Inc. | $258M | $9.75 | $7.25 | -25.6% | Buy | 5.4x | 5 |
 MOGOMogo Inc. | $25M | $1.03 | — | — | — | — | — |
 SLMSLM Corporation | $4.5B | $22.53 | $29.50 | +30.9% | Buy | 7.2x | 25 |
 NAVINavient Corporation | $821M | $8.73 | $8.67 | -0.7% | Hold | 12.2x | 24 |
 TREELendingTree, Inc. | $550M | $39.67 | $69.00 | +73.9% | Buy | 7.1x | 23 |
 HOODRobinhood Markets, Inc. | $71.2B | $79.05 | $117.14 | +48.2% | Buy | 41.9x | 25 |
Upside Potential Comparison
TREEUPSTHOODLCSLMDAVEAFRMNAVIFull SOFI Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See SOFI's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs SOFI Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare SOFI vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonSOFI — Frequently Asked Questions
Quick answers to the most common questions about buying SOFI stock.
What is the SOFI stock price target for 2026?
The consensus Wall Street price target for SOFI is $20.89, representing 28.2% upside from the current price of $16.3. With 27 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
Is SOFI a buy, sell, or hold?
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 $20.89 implies 28.2% upside from current levels.
Is SOFI stock overvalued or undervalued?
SOFI trades at a forward P/E of 26.9511x, representing a moderate valuation. With analysts targeting $20.89 (28.2% implied move), the stock appears reasonably valued with upside.
How high can SOFI stock go?
The most bullish Wall Street analyst has a price target of $28 for SOFI, while the most conservative target is $16. The consensus of $20.89 represents the median expectation. These targets typically reflect 12-month expectations.
How many analysts cover SOFI stock?
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.
What is the SOFI stock forecast?
The 12-month SOFI stock forecast based on 27 Wall Street analysts shows a consensus price target of $20.89, with estimates ranging from $16 (bear case) to $28 (bull case). The median consensus rating is "Hold".
What is SOFI's forward P/E ratio?
SOFI trades at a forward P/E ratio of 27.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 41.8x. 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.
Should I buy SOFI stock?
Wall Street analysts are very optimistic on SOFI, with a "Hold" consensus rating and $20.89 price target (28.2% 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.
Why do SOFI price targets vary so much?
SOFI analyst price targets range from $16 to $28, a 57% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $20.89 consensus represents the middle ground.