$18.79
+0.88 (+4.91%)
Last updated: Apr 16, 2026 00:49
Fundamentals Overview
SoFi Technologies, Inc. is in the middle of its 52-week range with premium valuation, trending upward today.
Valuation premium
Intrinsic value (DCF)
+45.9% upside vs price
Profitability
Risk (Beta)
2.25 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +45.9% upside vs price · Sentiment improving (2 upgrades)
Pressures (Sell):
3M vs S&P 500: -30% · 3M vs Financial Services sector: -23.7% · Beta 2.25 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: C+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 5, Equal Weight: 4, Hold: 4, Market Outperform: 1, Neutral: 8, Outperform: 2, Overweight: 1, Underperform: 4, Underweight: 1.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $27.42; current price is $18.79. That’s a +45.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 52.55 |
| DCF value (model) | $27.42 (45.9% upside) |
| PEG (TTM) | N/A |
| P/B (TTM) | 2.19 |
| P/S (TTM) | 5.02 |
| Liquidity & enterprise | |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 10.09% |
| Gross margin (TTM) | 68.73% |
| Operating margin (TTM) | 17.53% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for SOFI.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Keefe, Bruyette & Woods | maintain | Underperform | Underperform | 2026-04-09 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2026-04-09 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-04-06 |
| Truist Securities | maintain | Hold | Hold | 2026-02-18 |
| Citizens | upgrade | Market Perform | Market Outperform | 2026-02-09 |
| JP Morgan | upgrade | Neutral | Overweight | 2026-02-03 |
| Needham | maintain | Buy | Buy | 2026-02-02 |
| Goldman Sachs | maintain | Neutral | Neutral | 2026-01-06 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-01-06 |
| Truist Securities | maintain | Hold | Hold | 2025-11-25 |
| Truist Securities | maintain | Hold | Hold | 2025-11-04 |
| UBS | maintain | Neutral | Neutral | 2025-10-30 |
| Keefe, Bruyette & Woods | maintain | Underperform | Underperform | 2025-10-29 |
| Goldman Sachs | maintain | Neutral | Neutral | 2025-10-29 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-10-29 |
| BTIG | maintain | Neutral | Neutral | 2025-10-29 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-29 |
| Citigroup | maintain | Buy | Buy | 2025-10-29 |
| Needham | maintain | Buy | Buy | 2025-10-29 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-24 |
| Truist Securities | maintain | Hold | Hold | 2025-10-24 |
| Keefe, Bruyette & Woods | maintain | Underperform | Underperform | 2025-10-15 |
| Goldman Sachs | maintain | Neutral | Neutral | 2025-10-13 |
| Morgan Stanley | maintain | Underweight | Underweight | 2025-09-29 |
| Mizuho | maintain | Outperform | Outperform | 2025-09-18 |
| Needham | maintain | Buy | Buy | 2025-09-10 |
| Citigroup | maintain | Buy | Buy | 2025-08-20 |
| JP Morgan | maintain | Neutral | Neutral | 2025-08-20 |
| Keefe, Bruyette & Woods | maintain | Underperform | Underperform | 2025-08-05 |
| Mizuho | maintain | Outperform | Outperform | 2025-07-31 |