SoFi Stock Price Prediction: 2025, 2026, 2030

The post SoFi Stock Price Prediction: 2025, 2026, 2030 by Ryan Peterson appeared first on Benzinga. Visit Benzinga to get more great content like this.

Analysts are saying that SoFi Technologies could hit $43 by 2030. Bullish on SOFI? Trade SoFi stock commission-free on its website. First-time users can earn up to $1,000 in stock when they fund their account, plus a 1% bonus for transferring investments and keeping them there until December 31, 2025.

SoFi Technologies Inc. (NASDAQ: SOFI) stands at the center of the U.S. consumer fintech revolution, riding a surge in digital banking, lending, and personal finance management. The company has rapidly evolved from a student loan originator into a full-suite neobank, building a large, engaged user base drawn by its app-centric ecosystem. As traditional banks rethink their digital strategies and the macro landscape shifts, SoFi stock continues to fascinate both growth-oriented investors and skeptics questioning whether profitability and durable market share are within reach. 

This analysis covers SoFi’s latest stock metrics, price predictions through 2030, and the business developments most likely to move shares in the years ahead.

Current SoFi Technologies Stock Overview

• Market Cap: $34.53 Billion
• Trailing P/E: 58.97
• Forward P/E: 54.05
• 1-Year Return: +267%
• YTD Return: +105%

SoFi Technologies is trading around $29 as of September 2025, marking a substantial rebound from last year’s lows of $6.75 and closing in on its all-time high set in early 2021. The one-year return of 267% and a 105% year-to-date climb illustrate remarkable investor enthusiasm and momentum, fueled by the company’s execution on digital product rollout and expanding market share in online banking and lending. The stock’s volatility reflects both exuberance about fintech disruption and periodic pullbacks amid broader tech market retrenchments. On most technical indicators, SOFI remains in bullish territory, though it has at times been prone to sharp swings around earnings or regulatory headlines.

Recent events underscore SoFi’s ongoing evolution as one of fintech’s market leaders. New product launches such as expanded investment services, integrated credit cards, and buy-now-pay-later options are broadening its revenue base. Continued gains in deposit acquisition and lending (especially personal and home loans) highlight successful cross-selling and ecosystem stickiness. SoFi’s ongoing acquisition strategy and expansion into B2B fintech, through platforms like Galileo, further diversify its business. 

Management guidance points to member growth, increasing engagement, and a focus on cost discipline to nudge SoFi toward durable profitability. Rising competition from both legacy banks and next-gen digital upstarts, however, remains fierce. With fintech regulation evolving and macro headwinds putting consumer spending and credit quality into sharper focus, investors are keeping a close watch on SoFi’s ability to maintain its growth trajectory.

Analyst sentiment on SOFI is currently mixed and leaning cautious. Benzinga reports a Hold consensus as of September 2025, with a mean target of $14.33 based on 29 analyst ratings. Targets are highly dispersed, ranging from a bullish $31 (Mizuho, September 2025) to a pessimistic $3 (Wedbush, Apr 2024). The three most recent analyst opinions from Mizuho, Needham, and Citigroup average to $29.33, almost exactly at current levels, implying little near-term upside. This standoffishness reflects analyst uncertainty about competition, potential risks to loan growth, and the sustainability of SoFi’s impressive revenue gains in a tightening credit environment.

Quick Snapshot Table of Predictions

The forecast range in this table is based on algorithmic projections provided by CoinCodex. These models use historical price trends, volatility patterns, and moving averages to estimate future stock prices over multiple time horizons.

Bull & Bear Case

SoFi’s future trajectory will depend on its skill in scaling profitably, navigating regulatory shifts, and holding its competitive edge in an increasingly crowded digital finance sector.

Bull Case

• Strong member growth and cross-sell success power revenue gains across lending, banking, and investment services.
• Ongoing expansion into B2B fintech infrastructure (Galileo, Technisys) and the launch of new consumer products increase market penetration and diversify revenue streams.
• Brand appeal among younger, digitally native consumers solidifies SoFi’s position at the forefront of financial services innovation.
• Technical momentum and retail investor enthusiasm continue to bring fresh capital, driving liquidity and occasional short squeezes.

Bear Case

• Higher interest rates and a softening consumer spending environment dampen loan demand and risk-adjusted margins.
• Tougher regulation, particularly around lending practices and data privacy, threaten both revenue and compliance costs.
• Volatile fintech valuations and competitive pressure from both mega-banks and new entrants cap near-term upside.
• Profitability remains elusive if loan loss provisions or credit costs spike, or if SoFi loses operational discipline during rapid expansion.

SoFi Stock Price Prediction for 2025

Forecast Range: $25 – $38

For 2025, CoinCodex models SoFi shares trading between $25 and $38, with an average target of $30. The national focus on personal banking innovation, customer acquisition, and new credit products all contribute to upbeat projections, but the bearish scenario reflects concern over a slowing lending cycle and elevated fintech risk premiums. If management can exceed growth and profitability targets, share price potential could move toward the higher end of the range.

SoFi Stock Price Prediction for 2026

Forecast Range: $11 – $27

By 2026, SoFi’s outlook widens with estimates from $11 to $27 and an average target of $15. The firm’s progress in deepening its product ecosystem and performance in consumer lending will be crucial. Rising default rates or regulatory changes could pressure the stock downward, while successful technology expansion and cross-sell momentum could provide substantial upside.

SoFi Stock Price Prediction for 2030

Forecast Range: $23 – $43

Looking ahead to 2030, CoinCodex forecasts a trading band from $23 to $43, with an average of $28. This underlines both the secular opportunities in digital banking and the ongoing uncertainty tied to sector disruption, profitability challenges, and evolving policy landscapes. SoFi’s ability to sustain durable engagement and adapt to technological and regulatory change will determine its place among the next generation of financial leaders.

Building Wealth Across More Than Just the Market

When evaluating any stock price forecast, it’s wise to think about portfolio balance and not rely on a single company’s trajectory. Markets shift quickly, and putting all of your capital into one sector or stock can increase risk. Many investors are turning to platforms that open the door to real estate, professional financial advice, fixed-income products, and even self-directed retirement options. These tools make it easier to diversify, smooth out volatility, and build wealth across multiple asset classes over time.

Arrived Homes

Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.

Worthy Bonds

For those seeking fixed-income style returns without Wall Street complexity, Worthy Bonds offers SEC-qualified, interest-bearing bonds starting at just $10. Investors earn a fixed 7% annual return, with funds deployed to small U.S. businesses. The bonds are fully liquid, meaning you can cash out anytime, making them attractive for conservative investors looking for steady, passive income.

IRA Financial

Self-directed investors looking to take greater control of their retirement savings may consider IRA Financial. The platform enables you to use a self-directed IRA or Solo 401(k) to invest in alternative assets such as real estate, private equity, or even crypto. This flexibility empowers retirement savers to go beyond traditional stocks and bonds, building diversified portfolios that align with their long-term wealth strategies.

WiserAdvisor

WiserAdvisor makes it easier to find a financial advisor who fits your needs. The platform matches you with vetted professionals based on your goals and investable assets, with a focus on those who have at least $100,000 to put to work. By comparing advisors through WiserAdvisor, investors can identify someone who aligns with their risk tolerance, retirement plans, and broader wealth strategy.

American Hartford Gold

For investors concerned about inflation or seeking portfolio protection, American Hartford Gold provides a simple way to buy and hold physical gold and silver within an IRA or direct delivery. With a minimum investment of $10,000, the platform caters to those looking to preserve wealth through precious metals while maintaining the option to diversify retirement accounts. It’s a favored choice for conservative investors who want tangible assets that historically hold value during uncertain markets.

Frequently Asked Questions 

The post SoFi Stock Price Prediction: 2025, 2026, 2030 by Ryan Peterson appeared first on Benzinga. Visit Benzinga to get more great content like this.