SOFI Stock Price Prediction
SoFi Technologies Inc.
Based on 24/7 Wall St.'s proprietary analysis, we are setting a target price of $19.38 for SoFi Technologies Inc. (SOFI) over the next 12 months. This target price suggests a 17.98% upside from the current price of $16.43. In an optimistic scenario, SOFI could reach as high as $24.92, while our conservative scenario places the floor at $16.38. Wall Street analyst sentiment shows 8 Buy, 12 Hold, and 4 Sell ratings from 24 analysts covering the stock.
Current Price
$16.43
Target Price
$19.38
Optimistic Scenario
$24.92
Conservative Scenario
$16.38
The Bottom Line
SoFi Technologies Inc. appears attractively valued at current levels. With a 18.0% upside to our $19.38 target, the risk-reward profile looks favorable for investors with a 12-month time horizon. Wall Street agrees, with 33% of analysts rating it a Buy.
12-Month Price Scenarios
Where SOFI could be in one year
This chart shows three potential price paths for SOFI over the next 12 months: our Target Price, an Optimistic Scenario, and a Conservative Scenario. Learn how we calculate our price targets →
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Catalysts
Factors that could drive upside
In our optimistic scenario, SOFI could reach $24.92 (+51.7% from current price). Key catalysts include:
- Continued GAAP profitability and operating leverage
- Deposit growth lowering funding costs
- Technology platform growth providing diversified revenue
Risks
Factors that could limit upside
In our conservative scenario, SOFI could fall to $16.38 (-0.3% from current price). Key risks include:
- Credit deterioration in personal loans
- Interest rate shifts compressing margins
- Integration and execution risk across segments
Analyst Sentiment
24 analysts covering SOFI
The 24/7 Factor
Our proprietary price adjustment model
24/7 Wall St.'s stock forecasts utilize a number of factor adjustments that either increase or decrease a stock's 12-month price target. Toggle the factors our model uses on or off below to see how each impacts SOFI's share price.
Our Adjustment
1.081×
Adjusted Target
$19.38
Factor Components Toggle to simulate
5-Year Price Projection
Long-term quarterly forecast through 2031
Optimistic Scenario
$43.05
+162.0%
Target Price
$27.56
+67.8%
Conservative Scenario
$18.64
+13.5%
Long-term projections factor in increased uncertainty over time.
Social Sentiment
Reddit community analysis
Neutral
51% sentiment score
Sentiment Spectrum
Activity Score
20
out of 100
Frequently Asked Questions
SOFI stock price predictions and forecasts
What is the SOFI stock price prediction for 2030?
Looking ahead to 2030, our model projects SOFI could trade at an average price of $24.85, with a potential range between $18.64 and $31.06. This represents a potential 51.3% return from today's price. Long-term forecasts depend heavily on company execution, competitive dynamics, and broader market conditions.
Is SOFI a buy, sell, or hold right now?
24/7 Wall St. currently rates SOFI as a BUY. Strong upside (+18.0%) Among Wall Street analysts, 8 rate it Buy, 12 rate it Hold, and 4 rate it Sell.
What is the SOFI stock price target in an optimistic scenario?
In our optimistic scenario for SOFI, the stock could reach $24.92 over the next 12 months, representing a 51.7% gain from today's price. This scenario assumes favorable conditions materialize, including strong earnings growth, positive market sentiment, and successful execution of company initiatives.
What is the downside risk for SOFI stock?
Our conservative scenario projects SOFI at $16.38 over the next 12 months, a modest 0.3% decline from today. This suggests relatively limited downside risk, though investors should still consider potential headwinds like earnings misses or market weakness.
How accurate are SOFI stock price predictions?
Stock price predictions are forward-looking estimates, not guarantees. Our model for SOFI incorporates analyst consensus, valuation metrics, technical indicators, and market sentiment. However, actual stock performance depends on many unpredictable factors including earnings surprises, macroeconomic changes, and market psychology. We provide optimistic and conservative scenarios alongside our target price to illustrate the range of potential outcomes. Always conduct your own research before investing.
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