SoFi Fell 4% Last Week. Here’s What’s Going On

Key Stats for SoFi Technologies Stock

• Past-Week Performance: -4%
• 52-Week Range: $9 to $33
• Valuation Model Target Price: $30
• Implied Upside: 16.9% over 1.9 years

Value your favorite stocks like SoFi Technologies with 5 years of analysts’ forecasts using TIKR’s new Valuation Model (It’s free) >>>

What Happened?

SoFi stock fell about 4% over the past week as investors positioned ahead of the company’s upcoming fourth-quarter earnings report. Shares declined sharply midweek, which drove most of the move, before stabilizing near $25.

The stock fell because many investors chose to take profits after a recent run-up and reduce risk before earnings.

With no new company updates during the week, selling pressure came mainly from investors locking in gains and stepping aside until earnings provide more clarity.

There were no changes to SoFi’s guidance or business outlook during the week, which kept the move tied to positioning rather than new information.

Analyst commentary during the period reinforced the mixed backdrop around the stock, with differing views on valuation and the outlook for lending activity and credit trends heading into next year.

See analysts’ growth forecasts and price targets for SoFi Technologies (It’s free) >>>

Is SoFi Undervalued?

Under valuation model assumptions, the stock is modeled using:

• Revenue Growth (CAGR): 27.1%
• Operating Margins: 21.6%
• Exit P/E Multiple: 35.3x

Based on these inputs, the model estimates a target price of $29.81, implying 16.9% total upside from the recent share price of about $25 over the next 1.9 years.

Over the next year, results are closely tied to how effectively SoFi expands lending using its deposit base while keeping credit performance stable.

Margin improvement depends on higher product usage per member and continued operating leverage across the platform.

Execution in the technology segment, including Galileo and Technisys, remains important as fee-based revenue supports profitability without adding balance-sheet risk.

Deposit growth continues to matter because lower funding costs directly support net interest income.
If these drivers continue to improve, SoFi’s valuation can be supported by business performance rather than further multiple expansion.

Estimate a company’s fair value instantly (Free with TIKR) >>>

Value Any Stock in Under 60 Seconds (It’s Free)

With TIKR’s new Valuation Model tool, you can estimate a stock’s potential share price in under a minute.

All it takes is three simple inputs:

1. Revenue Growth
2. Operating Margins
3. Exit P/E Multiple

From there, TIKR calculates the potential share price and total returns under Bull, Base, and Bear scenarios so you can quickly see whether a stock looks undervalued or overvalued.

If you’re not sure what to enter, TIKR automatically fills in each input using analysts’ consensus estimates, giving you a quick, reliable starting point.

See a stock’s true value in under 60 seconds (Free with TIKR) >>>