Key Takeaways:
- SoFi is transforming digital banking through its one-stop-shop platform, crypto expansion, and AI-driven innovation across lending, investing, and payments.
- SOFI stock could potentially reach $56 by December 2029, based on reasonable valuation assumptions.
- This represents a total return of 74% from today’s price of $32, with an annualized return of 14% over the next 4.1 years.
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SoFi Technologies (SOFI), the digital finance platform disrupting traditional banking, is capitalizing on two massive technology shifts in AI and blockchain while building a one-stop financial services shop for high-earning millennials and Gen Z consumers.
SoFi serves over 12.6 million members through its fully digital platform. This includes everything from zero-fee stock trading and high-yield savings accounts to personal loans and mortgage refinancing. All products work together seamlessly in a single mobile app.
Core offerings include SoFi Money accounts that earn 3.8% interest with no fees, personal loans that refinance expensive credit card debt at half the interest rate, student loan refinancing that saves borrowers thousands of dollars annually, and an investment platform offering stocks, ETFs, options, IPOs, and now cryptocurrency trading.
The fintech innovator delivered third-quarter 2025 revenue of $950 million, representing 38% year-over-year growth, with member additions accelerating to 35%. The company demonstrated exceptional operational leverage and expanding profitability.
SoFi added a record 905,000 new members in Q3, grew fee-based revenue 50% to $409 million, expanded EBITDA margins to 29% while maintaining 38% revenue growth, and launched game-changing products like SoFi Pay for international remittances and crypto trading directly through its banking platform.
SOFI stock is up 112% over the last 12 months and appears positioned to deliver substantial gains for long-term shareholders.
Here’s why SoFi stock could deliver strong returns through 2029 as it capitalizes on the shift from traditional banks to digital platforms, while leveraging the AI and blockchain technology super cycles that are just beginning.
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What the Model Says for SoFi Stock
We analyzed the upside potential for SoFi stock using valuation assumptions based on its market-leading growth rates, expanding profitability, and unique positioning to benefit from shifts in both AI and blockchain technology.
Analysts recognize an opportunity ahead for SOFI stock, given its 17 consecutive quarters beating the “Rule of 40” benchmark with an average score of 58%.
SoFi’s transformation to capital-light revenue streams now accounts for 56% of total revenue, driven by its aggressive expansion into crypto and AI-driven financial products.
SoFi’s one-stop-shop strategy provides multiple growth drivers. At the same time, the company’s national bank charter creates competitive moats that fintech competitors cannot easily replicate, enabling the development of differentiated products, such as FDIC-insured crypto trading and blockchain-based payments.
Based on estimates of 21% annual revenue growth, 19% net income margins, and a normalized P/E valuation multiple of 45x, the model projects SOFI stock could rise from $32 to $40.
That would be a 24% total return, or a 11% annualized return over the next 2.1 years.
Our Valuation Assumptions
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Our Valuation Assumptions
TIKR’s Valuation Model lets you plug in your own assumptions for a company’s revenue growth, operating margins, and P/E multiple, and calculates the stock’s expected returns.
Here’s what we used for SoFi stock:
1. Revenue Growth: 21%
SoFi delivered an exceptional third-quarter 2025 performance, with 38% revenue growth and accelerating member growth of 35% year-over-year, demonstrating an ability to scale rapidly while improving unit economics.
We used a 21% forecast, reflecting SoFi’s ability to maintain high growth as it scales through expanding brand awareness from 9% to a target of 30%, launching differentiated products that competitors cannot easily copy, and capturing market share from traditional banks that are losing younger customers.
2. Operating margins: 19%
In the third quarter of 2025, SoFi’s EBITDA margin reached 29%, a remarkable achievement for a high-growth fintech company that is simultaneously investing heavily in new products and expanding its member base.
SOFI targets continued margin expansion through several powerful levers, including the shift to capital-light revenue streams with fee-based income now running at $1.6 billion annually.
Moreover, its cross-sell rates have touched 40% as members adopt multiple products, and AI automation is reducing customer service costs while improving member satisfaction.
3. Exit P/E Multiple: 45x
SoFi trades at elevated multiples reflecting its position as the fastest-growing large fintech platform with a proven ability to deliver both growth and profitability simultaneously.
Long-term competitive advantages from the national bank license, integrated product ecosystem, and first-mover advantages in bank-based crypto trading should support current valuation multiples as the company scales toward its goal of becoming a $1 trillion company.
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What Happens If Things Go Better or Worse?
Different scenarios for SoFi stock through 2030 show varied outcomes based on execution against the crypto and AI roadmaps, member growth trajectory, and margin expansion: (these are estimates, not guaranteed returns):
- Low Case: Slower member growth and competitive pressure lead to 6% annual returns
- Mid Case: Successful product launches and steady scaling produce 14% annual returns
- High Case: Dominant market position and accelerated crypto adoption drive 22% annual returns
Even in the conservative case, SoFi stock offers reasonable returns supported by strong member growth momentum, expanding fee-based revenue streams, and proven ability to execute on ambitious product roadmaps.
The upside scenario for SOFI stock could deliver exceptional performance if the company successfully converts its 90% unaided brand awareness opportunity into market share gains.
See what analysts think about SoFi stock right now (Free with TIKR) >>>
How Much Upside Does SoFi Stock Have From Here?
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:
- Revenue Growth
- Operating Margins
- Exit P/E Multiple
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.
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.
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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!
