SOFI Stock Analysis & Forecast (2026)

SoFi Technologies, Inc. Financial Services Credit Services
$19.29
Current Price
88%
Strong Buy
Data refreshed: February 26, 2026

Key Financial Metrics

Market Cap
$24.60B
P/E Ratio (TTM)
49.5x
P/E Forward
24.4x
Revenue Growth
40.2%
Gross Margin
83.0%
Net Margin
13.4%
Return on Equity
5.7%
Debt/Equity
0.18

AI Analysis Summary

SoFi Technologies, Inc. (SOFI) is a Financial Services company in the Credit Services industry with a 88% Strong Buy Score. Key strengths include Revenue Growth (40.2%), Gross Margin (83.0%), Net Margin (13.4%). Our AI evaluates 8 fundamental categories including revenue growth, margin quality, balance sheet strength, cash flow generation, return on capital, and valuation metrics.

Revenue Growth: Strong Gross Margin: Excellent Net Margin: Good Return on Equity: Low Debt/Equity: Low Risk
SOFI Fundamental Analysis Report
PDF Report Preview
88%
Strong Buy Score
  • 8 Fundamental Categories Analyzed
  • Revenue & Growth Trends
  • Margin & Profitability Analysis
  • Balance Sheet Strength
  • Cash Flow Quality
  • Valuation Assessment
  • AI-Powered Investment Insights
Get Your Free SOFI Report

How It Works: AI Stock Analysis in 60 Seconds

See how our AI analyzes SOFI fundamentals to generate buy/sell signals and Strong Buy Scores.

Is SOFI a Buy Right Now?

Based on our AI-powered fundamental analysis, SOFI has a Strong Buy Score of 88%, earning a "Strong Buy" rating. This score synthesizes 8 key financial metrics to provide an objective investment signal.

Strong Buy Signal

SoFi Technologies, Inc. demonstrates robust fundamentals across multiple categories. Key strengths include Revenue Growth (40.2%) and Gross Margin (83.0%). The stock shows characteristics typically associated with outperformers.

SOFI AI Buy & Sell Signals Explained

Our AI analyzes SoFi Technologies, Inc.'s financial statements to generate buy/sell signals based on quantitative metrics, not market sentiment or news headlines. Here's what drives the 88% score:

  • Revenue Growth: 40.2% year-over-year (above average)
  • Gross Margin: 83.0% (strong pricing power)
  • Net Margin: 13.4% (profitable)
  • Return on Equity: 5.7% (positive returns)

Generate the full PDF report for complete category-by-category scoring and AI-powered investment recommendations.

Key Support / Demand Zones

Technical traders can view real-time demand and supply zones for SOFI on our Demand Zones page. These zones identify key price levels where institutional buying or selling has historically occurred.

With SOFI currently trading at $19.29, our system monitors proximity to these critical levels and can alert you when the stock approaches support or resistance zones.

Subscribe to demand zone alerts to receive real-time notifications when SOFI reaches key technical levels.

Earnings & Revenue Outlook

SoFi Technologies, Inc. operates in the Financial Services sector, specifically in Credit Services. Understanding earnings trends is crucial for forecasting SOFI's trajectory.

Current revenue growth of 40.2% significantly outpaces the average company. This strong growth trajectory supports a higher valuation multiple.

Visit our Earnings Calendar to track upcoming SOFI earnings dates and historical beat/miss patterns. Sign up for earnings alerts to get notified before announcements.

SOFI Stock Forecast (Next 3–12 Months)

Our AI projects SOFI's trajectory based on current fundamentals and historical patterns. With a 88% Strong Buy Score, here's what the data suggests:

Bullish Outlook: SoFi Technologies, Inc. shows strong fundamental momentum. Revenue growth of 40.2% suggests continued expansion. Stocks with similar profiles have historically outperformed over 12-month periods.

For a complete 12-month price forecast with specific bull/bear scenarios, generate the full PDF report.

Valuation Metrics (P/E, Growth, Margins)

Understanding valuation is critical for determining if SOFI is fairly priced. Here's the current snapshot:

  • Market Capitalization: $24.60B
  • P/E Ratio (TTM): 49.5x (high expectations)
  • Forward P/E: 24.4x (based on analyst estimates)
  • Debt/Equity: 0.18 (conservative balance sheet)

Our AI weighs these metrics against growth rates and margin quality to determine if SOFI offers compelling risk-adjusted returns at current prices.

Bull Case for SOFI

Here's why investors are bullish on SoFi Technologies, Inc.:

  • Revenue Growth (40.2%)
  • Gross Margin (83.0%)
  • Net Margin (13.4%)
  • Debt/Equity (0.18)

With a 88% Strong Buy Score, the bull case is well-supported by current fundamentals. The stock exhibits characteristics of quality compounders that tend to outperform long-term.

Bear Case & Risks for SOFI

Every investment carries risk. Here are potential concerns for SOFI investors:

  • Competitive pressures in Financial Services
  • Macroeconomic sensitivity and interest rate exposure
  • Execution risk on growth initiatives
  • Valuation compression if growth slows

The full PDF report includes a detailed bear case analysis with specific risk ratings for each category.

Summary / 12-Month Outlook

SOFI Summary: SoFi Technologies, Inc. earns a 88% Strong Buy Score based on AI analysis of fundamental data. Trading at $19.29 with a $24.60B market cap, the stock shows strong fundamentals supporting a bullish 12-month outlook.

Bull Case: Revenue Growth (40.2%), Gross Margin (83.0%)

For the complete analysis with specific price considerations, growth projections, and AI-powered buy/hold/sell recommendations, generate your free SOFI PDF report.

Frequently Asked Questions about SOFI

Is SOFI a good buy right now?
SOFI currently has a Strong Buy Score of 88% (Strong Buy). Based on AI analysis of fundamentals, SOFI shows strong buy signals with solid revenue growth, margins, and return metrics. Generate a free PDF report for specific buy/hold/sell recommendations.
What is the SOFI stock forecast for 2026?
Our AI forecasts SOFI based on current fundamentals: revenue growth of 40.2%, net margin of 13.4%, and P/E of 49.5x. The 88% Strong Buy Score reflects our outlook combining growth trajectory, margin quality, and valuation. See the full 12-month projection in your PDF report.
What are key support and resistance levels for SOFI?
View real-time SOFI demand zones (support) and supply zones (resistance) on our Demand Zones page. With SOFI currently at $19.29, you can see how close the stock is to key technical levels. Subscribe to get alerts when SOFI approaches these zones.
How do SOFI fundamentals compare to peers?
SoFi Technologies, Inc. operates in the Financial Services sector. Key metrics for peer comparison: Gross margin 83.0%, ROE 5.7%, Debt/Equity 0.18. The 88% Strong Buy Score factors in how these metrics stack up against industry averages. Data is refreshed daily.
Is the SOFI analysis PDF report free?
Yes! Your first SOFI fundamental analysis report is completely free with no credit card required. The PDF includes the full Strong Buy Score breakdown, all 8 fundamental categories analyzed, AI-powered insights, and specific investment recommendations. Additional reports are available through our subscription plans starting at $24/month.
What is SoFi Technologies, Inc.'s market cap and P/E ratio?
SoFi Technologies, Inc. (SOFI) has a market cap of $24.60B and a trailing P/E ratio of 49.5x (forward P/E: 24.4x). These valuation metrics are key factors in our Strong Buy Score calculation. See all metrics in the PDF report for comprehensive valuation analysis.