SoFi Technologies (NASDAQ: SOFI) has become one of the most closely watched names in fintech. Known for its digital banking platform and fast-growing member base, SoFi stock has climbed to nearly $26/share in 2025 and appears to have rewarded early investors. But with the valuation looking stretched and competition across finance intensifying, analysts are split on what comes next.
This article explores where Wall Street analysts think SoFi might trade by 2027. We’ve compiled consensus targets, growth forecasts, and valuation models to gauge the stock’s potential trajectory. These figures reflect current analyst assumptions and are not TIKR’s own predictions.
Analyst Price Targets Suggest the Stock May Be Fully Valued
SoFi’s stock trades near $25.96/share as of September 2025, but the average 18-month analyst price target is about $21/share, implying roughly 19% downside from current levels. Analysts have been raising their price targets over the past few months as the stock rose.
Forecasts now range from a high of $30/share to a low of $6/share, showing a wide gap between bulls and bears. Still, it looks like many on the Street believe the current price already reflects a good deal of optimism, which helps explain the muted target prices.
Analysts appear cautious. While the stock has surged, many expect limited upside from here.
See analysts’ growth forecasts and price targets for SoFi (It’s free!) >>>
SoFi: Growth Outlook and Valuation
Analysts project SoFi’s revenue to grow about 24.9% annually through 2027, while operating margins are expected to turn positive and reach roughly 20.9%. That combination of strong top-line growth and improving profitability could support higher valuations, though expectations are already built into the stock.
At today’s price, SoFi trades around 48.8x forward earnings, which looks expensive relative to banks but may be reasonable for a fast-growing fintech. In TIKR’s guided valuation model, a $36.58/share target by 2027 emerges using a 36.6x forward P/E. That implies about 41% upside and 16% annualized returns if execution is strong.
The growth story looks promising, but the valuation assumes a sharp swing from losses to solid profitability. Any stumble could narrow the upside.
Value stocks like SoFi in as little as 60 seconds with TIKR (It’s free) >>>
What’s Driving Optimism?
SoFi has evolved from a student-loan refinance business into a broad digital finance platform covering lending, banking, investing, and technology services. This diversification may help reduce reliance on any single product line and support steadier growth.
The company’s balance sheet also appears stronger, providing more flexibility to invest in member acquisition and product expansion. If SoFi continues executing, it could become one of the few fintechs to scale profitably.
Bulls argue that SoFi’s platform model gives it a long runway. If growth and margin expansion hold, current prices might be justified.
Bear Case: Valuation and Execution Risks
Even with strong growth projections, SoFi’s valuation looks demanding. At nearly $26/share, the market seems to price in a big profitability shift and continued rapid growth. If credit conditions tighten, loan performance weakens, or competition heats up, the stock could fall short of expectations.
The wide spread between analyst targets, from $6/share to $30/share, highlights how uncertain the outlook remains. Bears see the path to profitability as unproven and warn that fintech valuations could compress if growth slows.
The risk is that SoFi already reflects a best-case scenario. If the company misses expectations, the downside could be meaningful.
Outlook for 2027: What Could SoFi Be Worth?
Current forecasts suggest SoFi might reach about $36.58/share by 2027, which would be 41% higher than today’s level. That outcome requires strong revenue growth and margin expansion to above 20%.
Still, the potential upside comes with high execution risk. If results disappoint, the stock could instead drift closer to the low end of analyst targets.
SoFi looks like a high-risk, high-reward fintech bet. Success could deliver double-digit annual returns, but setbacks may leave investors overpaying at today’s price.
AI Compounders With Massive Upside That Wall Street Is Overlooking
Everyone wants to cash in on AI. But while the crowd chases the obvious names benefiting from AI like NVIDIA, AMD, or Taiwan Semiconductor, the real opportunity may lie on the AI application layer where a handful of compounders are quietly embedding AI into products people already use every day.
TIKR just released a new free report on 5 undervalued compounders that analysts believe could deliver years of outperformance as AI adoption accelerates.
Inside the report, you’ll find:
- Businesses already turning AI into revenue and earnings growth
- Stocks trading below fair value despite strong analyst forecasts
- Unique picks most investors haven’t even considered
If you want to catch the next wave of AI winners, this report is a must-read.
Click here to sign up for TIKR and get your free copy of TIKR’s 5 AI Compounders report today.
