SoFi Technologies (SOFI) Price Prediction and Forecast 2025-2030

This post includes affiliate links. If you purchase anything through these affiliated links, 247wallst.com may earn a commission.

SoFi Technologies ( NASDAQ: SOFI ) made its public debut on June 1, 2021 through a merger with a special purpose acquisition company (SPAC), Social Capital Hedsophia Holding Corp. V, led by Chamath Palihapitiya. Before the merger, the company was originally known as Social Finance, which started as a student loan financing firm before expanding into loans, and mortgage products among other finance products.

After the SPAC acquisition, SoFi was equipped with substantial capital to enhance its technology stack to better scale its 2020 acquisition of Galileo. The Galileo platform was developed to deploy a wide range of financial services quickly, giving SoFi the tools to take numerous financial products to a mass market.

SoFi IPO’d at $10 per share and quickly jumped 150%, but the stock has been lackluster since, now trading at $8.03 per share, down 68.85%.

However, investors only care about what happens from this point on, particularly over the next 1, 3, and 5 years and beyond. Let’s crunch the numbers and give you our best guess on SoFi's future share price. No one has a crystal ball and even the Wall Street “experts” are often wrong more than they are right in predicting future stock prices. But we give you our revenue and earnings projections as our peer-to-peer valuation.

• SoFi Technologies is a premier online financial solutions platform targeting a more affluent demographic.
• 24/7 Wall Street projects a 118.68% upside on the stock through the end of the decade.
• If you’re looking for a megatrend with massive potential, make sure to grab a complimentary copy of our “The Next NVIDIA” report . The report includes a complete industry map of AI investments that includes many small caps.

Here's a table summarizing performance in share price, revenue and profits (net income) from IPO.

*Revenue and Net Income in millions

In the last 4 years, SoFi has more than doubled revenue but that top-line growth also carried a jump in total operating costs, particularly the $720 million in sales and marketing expense in 2023. However, the increases in operating costs is money well spent with in-house technology improvements and member-generating marketing spending.

Source: YCharts

SoFi is close to hitting an inflection point on profitability and has done a stellar job of expanding revenue and improving earnings per share (EPS).

As SoFi's revenue grows, they become more profitable, meaning their costs per customer decrease. This scalability is important because it indicates that as the company grows, it will become even more profitable. Given that the industry is growing and SoFi is outperforming its peers, there's strong optimism that SoFi's earnings per share will continue to rise.

1. Expansion Financial Services: SoFi's ambition to become a one-stop shop for financial services will likely drive future growth. The company plans to continue expanding its product lineup, including new lending products, investment options, and insurance services, which will cater to a broader range of financial needs.
2. Bank Charter and Deposit Base Expansion: Obtaining a national banking charter allows SoFi to use its growing deposit base to fund lending operations more efficiently. This access to lower-cost funds is expected to drive net interest income growth, enhancing profitability as SoFi scales its banking operations.
3. Cross Selling and Customer Retention: SoFi's strategy of cross-selling its wide array of financial products aims to increase the average number of products per customer. This integrated approach is expected to improve customer retention and lifetime value, thereby boosting overall revenue and profitability.

SoFi Technologies (SOFI) Stock 1-Year Price Prediction

The Wall Street consensus 1-year price target for SoFi Technologies is $8.73, which is an 8.72% upside over today’s stock price. Of the 15 analysts covering the stock, the stock is a consensus “Hold” with a 2.88 rating. (1 being a “Strong Buy” and 5 a “Strong Sell”).

SoFi’s Share Price Estimates 2025-2030

24/7 Wall Street compared other fintech/ lenders when deciding on our price-to-sales valuation of 3.5 times for the entire time frame of our analysis. Included in the analysis were Block ( NYSE:SQ ), PayPal ( NASDAQ: PYPL ), Upstart Holdings ( NASDAQ: UPST ), LendingClub ( NYSE: LC ), and Affirm ( NASDAQ: AFRM ) which gives us a blending valuation of around 3.3 times sales.

How SoFi Technologies' Next 5 Years Could Play Out

We expect to see revenue growth of 15.3% and EPS of $0.21 for the year. We expect the stock to still trade at a similar multiple next year, putting our estimate for the stock price for SoFi at $9.33 in 2025, which is 16.19% higher than the stock is trading today.

Going into 2026, we estimate the price to be $11.35, with revenue growth coming in at 14.2% year-over-year. With an EPS of $0.43, this would represent a 41.34% gain over today’s share price of $8.03.

Heading into 2027, we expect the stock price increase not to be as pronounced, with earnings estimates of $0.62 per share. The stock price target for the year is $12.46. That is a 9.81% increase from the previous year, but still up 55.17% from today’s stock price.

When predicting more than 3 years out, we expect SoFi to remain growing its top line at 12% and be more efficient, with an EPS of $0.83 suggesting a stock price estimate at $14.23 or a gain of 77.21% over the current stock price.

We expect SoFi to continue its growth and generate $1.02 per share of earnings. With a price-to-earnings multiple of 15, the stock price in 2029 is estimated at $15.9, or a gain of 98.01% over today’s price.

SoFi Technologies Stock Price Target for 2030

We estimate SoFi’s stock price to be $17.56 per share with a 10% year-over-year revenue growth. Our estimated stock price will be 118.68% higher than the current stock price of $8.03.

“The Next NVIDIA” Could Change Your Life

If you missed out on NVIDIA’s historic run, your chance to see life-changing profits from AI isn’t over.

The 24/7 Wall Street Analyst who first called NVIDIA’s AI-fueled rise in 2009 just published a brand-new research report named “The Next NVIDIA.”

Click here to download your FREE copy.