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SOFI
Volume: 11.12M
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SoFi Technologies (SOFI) Stock Forecast & Price Target

SoFi Technologies (SOFI) Analyst Ratings

Based on 23 analyst ratings
Hold
Strong Buy 26%
Buy 13%
Hold 39%
Sell 17%
Strong Sell 4%

Bulls say

SoFi Technologies has revised its FY24 net revenue expectations upward to $2.535-$2.550 billion, reflecting a growth rate of 22-23% year-over-year, which is a notable increase from the previous guidance. The company's strong performance in the fourth quarter of FY24 included GAAP revenue of $734.1 million, representing a 19.3% year-over-year increase and surpassing both estimates and consensus figures. Additionally, projected EBITDA and TBV growth further underline SoFi's positive trajectory, with expectations of $640-$645 million in EBITDA and a TBV increase of $1.00-$1.05 billion, supported by robust loan sale revenue and capital-light loan platform fees.

Bears say

SoFi Technologies faces a challenging outlook due to potential credit weaknesses stemming from a prolonged economic downturn, which may lead to negative fair value marks and higher provisions for loan losses. The company's net interest margin (NIM) of 5.57% is currently below prior estimates and has seen a year-over-year decline, indicating pressure on profitability as deposits are allocated to lower-yielding assets. Additionally, a slowdown in the growth of technology products and fee income, combined with increased credit losses, poses risks to SoFi's overall earnings and capital ratios.

SoFi Technologies (SOFI) has been analyzed by 23 analysts, with a consensus rating of Hold. 26% of analysts recommend a Strong Buy, 13% recommend Buy, 39% suggest Holding, 17% advise Selling, and 4% predict a Strong Sell.

This aggregate rating is based on analysts' research of SoFi Technologies and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About SoFi Technologies (SOFI) Forecast

Analysts have given SoFi Technologies (SOFI) a Hold based on their latest research and market trends.

According to 23 analysts, SoFi Technologies (SOFI) has a Hold consensus rating as of Jul 1, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $12.22, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $12.22, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

SoFi Technologies (SOFI)

Volume: 11.12M

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