LemonTrades
TL;DR
- 25 analysts rate SoFi a Hold on average, with a 12-month target of about $21, ranging from $12 to $30.
- It made $241 million on record revenue of about $1.4 billion in the third quarter, and raised its 2026 forecast.
- Our 2030 scenarios: about $18 a share if earnings grow slowly, $40 in the middle case and $75 if growth stays very fast.
- LemonTrades tells you what moved SoFi, and why, as it happens, and warns you before its earnings.
SoFi is profitable and growing fast, yet the stock sits far below its 52-week high of $32.73. Here’s what analysts expect, and what it would take to go higher.
What happened in the third quarter
- Record net revenue of about $1.4 billion and net income of $241 million.
- Adjusted earnings of $0.18 a share, a cent above forecasts.
- Higher forecasts: it raised its 2026 outlook and gave a first look at 2027, and the stock rose about 11% that day.
What SoFi is valued at
| Earnings per share | P/E now | |
|---|---|---|
| 2026forecast | $0.61 | – |
| 2027forecast | $0.90 | – |
Analysts expect revenue of about $5.05 billion this year, up 41%, and about $6.41 billion next year, up 27%. That’s more growth than a typical bank, at a higher price than a typical bank.
Scenarios for 2030
| Scenario | 2030 earnings a share | P/E | Share price | Needed a year from today |
|---|---|---|---|---|
| Bear18% growth a year | $1.20 | 15 | $18 | – |
| Base34% growth a year | $2.00 | 20 | $40 | – |
| Bull49% growth a year | $3.00 | 25 | $75 | – |
Growth rates are from the $0.61 expected for 2026. These are our illustrations, not forecasts.
The risks
- Loan losses: SoFi makes many personal loans, which go bad first in a downturn.
- Interest rates: slower rate cuts weigh on lending and on what investors will pay for growth.
- New shares: with 1.3 billion shares already out, more sales would spread profits thinner.
- Swings: the stock has ranged from $13.86 to $32.73 in the past year.
New to this? See how stock prices are set and how to evaluate investment risks.
Sources
Education, not financial advice. These are illustrations, not forecasts. See our disclaimer.
