Is SOFI stock a Buy, Sell, or Hold?

Based on our analysis, SOFI is currently a HOLD with moderate confidence. 📊 HOLD: SOFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of SOFI stock?

Our analysis estimates the fair value range for SOFI to be between $25.21 and $27.64. The current price is $22.81.

What is the analyst price target for SOFI?

The average Wall Street analyst price target for SOFI is $27.11. This implies a potential upside of 11.3% from current levels.

SOFI Stock Analysis: Buy, Sell, or Hold?

SOFI - SoFi Technologies, Inc. Common Stock

FINANCE SERVICES

$22.81

-1.55 (-6.36%) ▼

HOLD

MODERATE Confidence

Protect Your SOFI Gains

Last Updated: January 30, 2026

Earnings: Jan 30, 2026 0d

Get Alerted When SOFI Hits Your Target Price

Join 10,000+ traders who never miss a move

You're in! Check your email to confirm and set your target price.

100% Free No spam, ever Unsubscribe anytime

Interactive Price Chart (1 Month)

Loading historical data...

💡

Bottom Line:
📊 HOLD: SOFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$26.57

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$16.50

Trading above fair value

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: SOFI is currently trading at $22.81, which is considered oversold relative to its 30-day fair value range of $25.21 to $27.64. The stock's valuation (Forward PE: 44.6) is in line with its historical norms (46.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.3% over the next few years. This pessimistic expectation contrasts with the company's recent 105.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, SOFI is in a downtrend. The price is currently testing key support at $22.94. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 6.4% recently.

Market Sentiment: SOFI has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $27.11 (+11.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD

Fair Price Range $25.21 - $27.64

Company Quality Score 47/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 50.0%

Protect Your Profits

Holding SOFI? Use our AI-powered strategies to protect your downside while keeping your long-term position.

View Profit Protection Plan

All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (25/100)
BULLISH: High volume confirmation
BEARISH: Downward momentum (-6.4%)
BULLISH: Trading below Wall St target ($27.11)
CAUTION: 5-day price weakness (-11.8%) - monitor closely

Fair Price Analysis

30-Day Fair Range $25.21 - $27.64

Current vs Fair Value OVERSOLD

Support & Resistance Levels

Support Level $22.94

Resistance Level $26.78

Current Trend Downtrend

Fundamental Context

Forward P/E (Next Year Est.) 44.64

Wall Street Target $27.11 (+11.3%)

Revenue Growth (YoY) 37.8%

Earnings Growth (YoY) 105.9%

Profit Margin 19.5%

Valuation Discount vs History -1.3% cheaper

PE vs Historical 44.6 vs 46.4 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -1.3% (market-implied from PE analysis)

1-Year Target $24.04 (-1%)

2-Year Target $23.73 (-3%)

3-Year Target $23.42 (-4%)

3-Yr Target (if PE normalizes) (PE: 45→46) $24.35 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 44.6, Growth: 50.1%) $82.22 (+238%)

Base: (SPY PE: 22.3, Growth: 50.1%) $41.07 (+69%)

Bear: (PE: 19.0, Growth: 50.1%) $34.91 (+43%)

📈 Valuation based on Current Earnings

Trailing PE: 43.93 | Current EPS (TTM): $0.56

Bull Case $26.37 (+16%)

Analyst growth -2.6%, PE expands to 48.3

Base Case $23.97 (+5%)

Market implied -2.6%, PE stable at 43.9

Bear Case $16.73 (-27%)

Severe decline -20.0%, PE contracts to 37.3

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 44.6 to 46.4

Stabilization Target: $25.32 (+3.9%)

PE Expansion Potential: +3.9%

Last updated: January 31, 2026 3:02 PM ET
Data refreshes hourly during market hours. Next update: 4:02 PM

🔥 Top Stocks Breaking Out Now

Ticker	Score	Recommendation	Change %

See Full Scanner Results »

Technical Signals Check

Is SOFI showing a specific setup today?

RSI Divergence Check TTM Squeeze Check MACD Crossover Check Gamma Walls Check Unusual Activity Check

Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS SELLING

Recent Transactions

Kelli Keough SELL 10036 shares 2025-10-20

Jeremy Rishel SELL 98733 shares 2025-09-18

Kelli Keough SELL 10036 shares 2025-09-18

View Insider Activity Scanner

Featured in Portfolios

SOFI is a key holding in these high-performance investment strategies.

Reddit Favorites Fun • -2.2% Return

Fintech Disruptors Thematic • -8.2% Return

View All Strategies

Top Rated Credit Services Stocks

Top-rated stocks in Credit Services by analyst ratings.

Stock	Analyst Consensus	Analyst Target	Tradestie Score
V Visa Inc. Class A	STRONG BUY 41 analysts	$398	60 HOLD
MA Mastercard Inc	STRONG BUY 42 analysts	$665	57 HOLD
PYPL PayPal Holdings Inc	HOLD 47 analysts	$73	50 HOLD
AXP American Express Company	HOLD 30 analysts	$377	60 HOLD
AFRM Affirm Holdings Inc	STRONG BUY 24 analysts	$92	50 HOLD

PYPL PayPal Holdings I…

50 HOLD

AXP American Express …

60 HOLD

AFRM Affirm Holdings I…

50 HOLD

Advanced SOFI Option Strategies

Professional options setups generated by AI based on today's SOFI price and gamma walls.

Iron Condor Bull Call Bear Put Collar

More Analysis for SOFI

SOFI Technical Chart SOFI Price Prediction SOFI Earnings Date SOFI Investment Advisor SOFI Fair Price Analyzer SOFI Options Advisor SOFI Options Chain SOFI Options Analysis SOFI Competitors

Compare SOFI with Other Stocks

Create New Comparison

Tradestie