Key Stats for SOFI Stock
- Past week’s performance: -4.1%
- 52-week range: $9 to $33
- Valuation model target price: $33
- Implied upside: 96.2% over 2.8 years
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What Happened?
SoFi Technologies (SOFI) stock fell 4.1% this week as volatility spiked after a short seller report hit the shares. The move came after Muddy Waters disclosed a short position and challenged parts of SoFi’s lending business. That report quickly pressured sentiment because SoFi is already a closely watched fintech stock.
The company responded fast and rejected the report, while also saying it was considering legal action. That response mattered because it signaled management was willing to defend its disclosures and business model publicly. At the same time, CEO Anthony Noto bought $500,000 of stock, which gave investors a clear sign of internal confidence during the selloff.
Even so, the stock stayed under pressure because the report landed alongside insider selling disclosures from other executives. Those filings do not necessarily indicate a change in fundamentals, but they added to short-term caution. In a stock like SoFi, sentiment can shift quickly when negative headlines and insider transactions hit at the same time.
This week’s drop also reflects how sharply the stock had moved before the news. When a company is trading on improving growth, profitability, and multiple expansion, investors tend to react quickly to any challenge to the story. So the pullback looked more like a reset in sentiment than a change in the underlying business.
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Is SOFI Stock Undervalued?
Under valuation model assumptions realized through 12/31/28, the stock is modeled using:
- Revenue growth (CAGR): 23.5%
- Operating margins: 25.8%
- Exit P/E multiple: 28.1x
Based on these inputs, the model estimates a target price of $33, implying 96.2% total upside from the current share price and a 27.4% annualized return over the next 2.8 years.
SoFi’s recent results help explain why those assumptions are on the table. The company generated $3.6 billion in revenue in 2025, up 35.6% year over year. Net interest income also reached $2.2 billion, which shows how much its lending and deposit platform has scaled.
Profitability has improved a lot as the business has grown. SoFi posted $525.9 million in operating income, and operating margins reached 14.7%. That is a major change from just a few years ago, when the company was still posting steep operating losses.
The balance sheet is also an important part of the story. Deposits rose to $37.5 billion, which gives SoFi a lower-cost funding base for loan growth. The company also ended the period with net cash of about $3.1 billion, which adds flexibility as it continues to expand.
Cash flow is still the weak spot. Free cash flow remained negative, with margins of -111.2%, because SoFi is still investing heavily and growing its loan book. That means investors are balancing strong accounting profitability against weaker cash generation.
What’s Driving the Stock Going Forward?
SoFi’s business model still centers on building a broad financial ecosystem. The company combines lending, financial services, and its technology platform under one brand. That matters because it gives SoFi more ways to acquire members and then sell them additional products over time.
Lending remains the largest revenue driver, especially personal loans. But the technology platform also matters because Galileo and Technisys provide infrastructure to other financial institutions. That diversification helps reduce reliance on one business line and supports longer-term growth.
Recent announcements also show SoFi pushing into digital payments and stablecoin infrastructure. The company partnered with Mastercard to enable SoFiUSD settlement across Mastercard’s network. It also selected BitGo to help provide stablecoin infrastructure, which expands SoFi’s role in digital finance.
The next catalyst is earnings. SoFi is expected to report Q1 2026 results on April 28, and investors will be watching for updates on loan growth, deposits, and profitability. The company’s addition to the FTSE All-World Index on March 23 could also support visibility and trading demand in the near term.
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Should You Invest in SoFi Technologies, Inc.?
The only way to really know is to look at the numbers yourself. TIKR gives you free access to the same institutional-quality financial data that professional analysts use to answer exactly that question.
Pull up SOFI, and you’ll see years of historical financials, what Wall Street analysts expect for revenue and earnings in the quarters ahead, how valuation multiples have moved over time, and whether price targets are trending up or down.
You can build a free watchlist to track SOFI alongside every other stock on your radar. No credit card required. Just the data you need to decide for yourself.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
