$18.55
+0.42 (+2.32%)
Last updated: Jul 15, 2026 06:08
Fundamentals Overview
SoFi Technologies, Inc. is near the low of its 52-week range with premium valuation, trending upward today.
Valuation premium
Intrinsic value (DCF)
-4.7% downside vs price
Profitability
Risk (Beta)
2.15 — 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):
Sentiment improving (2 upgrades)
Pressures (Sell):
Beta 2.15 (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: 7, Market Outperform: 1, Neutral: 9, Overweight: 2, Underperform: 2.
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 $17.68; current price is $18.55. That’s a -4.7% 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) | 44.31 |
| DCF value (model) | $17.68 (-4.7% vs price) |
| PEG (TTM) | 2.24 |
| P/B (TTM) | 2.19 |
| P/S (TTM) | 4.63 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.17 |
| Quick Ratio (TTM) | 0.17 |
| Cash Ratio (TTM) | 0.08 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 11.22% |
| Gross margin (TTM) | 76.02% |
| Operating margin (TTM) | 12.56% |
| 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 |
|---|---|---|---|---|
| Goldman Sachs | maintain | Neutral | Neutral | 2026-07-09 |
| Truist Securities | maintain | Hold | Hold | 2026-05-12 |
| Citigroup | maintain | Buy | Buy | 2026-05-04 |
| TD Cowen | maintain | Hold | Hold | 2026-04-30 |
| Stephens & Co. | maintain | Overweight | Overweight | 2026-04-30 |
| Needham | maintain | Buy | Buy | 2026-04-30 |
| UBS | maintain | Neutral | Neutral | 2026-04-30 |
| Truist Securities | maintain | Hold | Hold | 2026-04-24 |
| Goldman Sachs | maintain | Neutral | Neutral | 2026-04-14 |
| 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 |
| Citigroup | maintain | Buy | Buy | 2025-10-29 |
| Goldman Sachs | maintain | Neutral | Neutral | 2025-10-29 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-29 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-10-29 |
| Needham | maintain | Buy | Buy | 2025-10-29 |
| BTIG | maintain | Neutral | Neutral | 2025-10-29 |
| Truist Securities | maintain | Hold | Hold | 2025-10-24 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-24 |