SOFI Stock Analysis: Buy, Sell, or Hold?
SOFI - SoFi Technologies, Inc. Common Stock
$15.07
-0.17 (-1.08%)
▼
5d:
-12.16%
30d:
-15.17%
90d:
-44.35%
WAIT
LOW Confidence
Analysis Updated: Mar 27, 2026 12:00 AM ET
Earnings: May 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: SOFI is down 12.2% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: SOFI is down 12.2% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$39.43
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$24.49
38.5% Margin of Safety
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.
In-depth Analysis How we analyze
Valuation Analysis: SOFI is currently trading at $15.06, which is considered oversold relative to its 30-day fair value range of $16.68 to $18.98. From a valuation perspective, the stock is trading at a discount (Forward PE: 18.8) compared to its historical average (35.7). Remarkably, the market is currently pricing in an annual earnings decline of 19.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SOFI is in a strong downtrend. The price is currently testing key support at $14.97. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.73 (+68.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SOFI is in a strong downtrend. The price is currently testing key support at $14.97. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.73 (+68.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$16.68 -
$18.98
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding SOFI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 68.9% below Wall St target ($25.73)
- WARNING: Recommendation downgraded due to -12.2% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$16.68 -
$18.98
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$14.97
Resistance Level
$18.26
Current Trend
Strong Downtrend
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.80
Wall Street Target
$25.73
(+68.9%)
Revenue Growth (YoY)
40.2%
Earnings Growth (YoY)
-57.0%
Profit Margin
13.4%
Valuation Discount vs History
-19.2% cheaper
PE vs Historical
18.8 vs 35.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-19.2%
(market-implied from PE analysis)
1-Year Target
$13.71
(-10%)
2-Year Target
$12.34
(-19%)
3-Year Target
$11.10
(-27%)
3-Yr Target (if PE normalizes)
(PE: 19→36)
$21.08
(+38%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 34.7%)
$44.33
(+191%)
Base:
(SPY PE: 18.8, Growth: 34.7%)
$37.21
(+144%)
Bear:
(PE: 16.0, Growth: 34.7%)
$31.63
(+108%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (43x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 43.33 | Current EPS (TTM): $0.39
Bull Case
$37.18
(+117%)
Analyst growth 100.0%, PE expands to 47.7
Base Case
$33.80
(+97%)
Market implied 100.0%, PE stable at 43.3
Bear Case
$11.49
(-33%)
Severe decline -20.0%, PE contracts to 36.8
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 18.8 to 35.7
Stabilization Target:
$28.92
(+89.9%)
PE Expansion Potential:
+89.9%
Share & Embed Analysis
Last updated: March 30, 2026 1:27 PM ET
Data refreshes hourly during market hours. Next update: 2:27 PM
Data refreshes hourly during market hours. Next update: 2:27 PM
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Technical Signals Check
Is SOFI showing a specific setup today?
Insider Activity (6 Months)
3
Buys
9
Sells
Net
INSIDERS SELLING
Recent Transactions
Jeremy Rishel
SELL
94958 shares
2026-03-18
Anthony Noto
BUY
28900 shares
2026-03-17
Kelli Keough
SELL
9755 shares
2026-02-20
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