Key Stats for SOFI Stock
- Past week’s performance: -5.8%
- 52-week range: $9 to $33
- Valuation model target price: $36
- Implied upside: 105.4% over 2.8 years
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What Happened?
SoFi Technologies (SOFI) fell about 5.8% over the past week, giving back a portion of the gains that followed its strong Q4 2025 earnings report. The stock now trades near $18, down from recent highs above $26, even though the company just delivered its first full year of GAAP profitability and crossed $1 billion in quarterly revenue.
The recent pullback comes despite a series of positive company‑specific developments. In late January, SoFi reported Q4 adjusted revenue of about $1.0 billion, up roughly 37% year over year, with adjusted earnings of $0.13 per share more than doubling from a year earlier.
Management highlighted that 2025 marked the firm’s ninth consecutive quarter of GAAP profitability, driven by strong loan demand and rapid growth in fee‑based businesses such as its financial services and technology platform segments. Those results initially sent the stock higher, but the move has since reversed as investors have locked in profits and rotated out of some of the most volatile fintech names.
This week’s selling pressure also came as SoFi’s shares digested news around capital raises and insider transactions from recent months. The company completed a $1.5 billion equity offering in late 2025 at $27.50 per share, using the proceeds to pay down certain funding facilities and strengthen its balance sheet, which initially weighed on sentiment because of dilution.
In early March, SoFi announced partnerships with BitGo and Mastercard to provide infrastructure and settlement capabilities for SoFiUSD, positioning the company at the intersection of regulated banking and digital assets.
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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): 22.9%
- Operating margins: 24.8%
- Exit P/E multiple: 31.3x
Based on these inputs, the model estimates a target price of $36.35, implying 105.4% total upside from the current share price of $18 and a 29.2% annualized return over the next 2.8 years. That projected return contrasts with the Street’s current average target of about $26.50, which suggests roughly 49% upside from recent levels and reflects more conservative expectations on growth and profitability.
Recent fundamentals provide some support for the model’s inputs. Over the last three years, SoFi’s revenue has compounded at about 33% annually, while EBITDA has grown at roughly a 94% CAGR as the company moved from heavy investment mode to sustained profitability.
However, SoFi’s multiples still trade at a premium to many traditional consumer‑finance peers even after the recent pullback. The stock’s next‑twelve‑months P/E ratio of about 29x and LTM P/E near 46x stand well above the high‑single‑digit to mid‑teens multiples often seen at established banks and specialty lenders.
At the same time, SoFi’s price‑to‑book ratio of roughly 2.1x and price‑to‑tangible‑book of about 2.7x reflect expectations that the company can generate returns meaningfully above its cost of equity over time. This valuation backdrop helps explain why shares can react sharply to any news that affects perceptions of growth durability, credit quality, or regulatory risk.
Why the News Matters for the SOFI
The key driver behind SoFi’s stock this year has been the market’s reaction to its record Q4 2025 results and 2026 guidance. Management highlighted that adjusted revenue topped $1 billion in a quarter for the first time, fee‑based revenue grew more than 50%, and loan originations reached roughly $10.5 billion, including strong personal‑loan demand.
On the earnings call, CEO Anthony Noto called 2025 “a tremendous year” and said the company’s “one‑stop shop” model is scaling as intended, combining member growth with improving profitability. Those comments, alongside guidance for about 30% revenue growth and more than 50% EBITDA growth in 2026, initially fueled optimism that SoFi Technologies can sustain high growth while expanding margins.
More recently, attention has shifted to SoFiUSD and the company’s broader role in digital assets and payments. SoFi Bank announced that BitGo will provide stablecoin‑as‑a‑service infrastructure for SoFiUSD, while SoFi also struck a partnership with Mastercard to enable settlement across the card network.
These moves position SoFi Technologies to earn new fee income from on‑chain payments, treasury, and cross‑border flows if adoption scales. At the same time, they draw heightened regulatory and operational scrutiny because SoFi bills SoFiUSD as the first stablecoin issued by a nationally chartered and insured U.S. bank on a public blockchain.
Looking ahead, the market is focusing on upcoming conferences and SoFi’s next earnings report. SoFi will present at several fintech events in late March and April, where management plans to outline its strategy for SoFiUSD, deposit growth, and improving returns on equity. The company will report Q1 2026 results on April 28 and has guided for adjusted revenue of about $1.04 billion and adjusted net income of roughly $160 million.
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Should You Invest in SoFi Technologies, Inc.?
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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.
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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!
