Beyond The Numbers: 7 Analysts Discuss SoFi Technologies Stock
SoFi Technologies (NASDAQ:SOFI) underwent analysis by 7 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 1 | 2 | 4 | 0 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 1 | 2 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 2 | 0 | 0 |
| 3M Ago | 0 | 0 | 1 | 0 | 0 |
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $27.86, along with a high estimate of $33.00 and a low estimate of $21.00. This current average represents a 3.93% decrease from the previous average price target of $29.00.
Deciphering Analyst Ratings: An In-Depth Analysis
A clear picture of SoFi Technologies's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Matthew Coad | Truist Securities | Lowers | Hold | $21.00 | $28.00 |
| Devin Ryan | Citizens | Announces | Market Outperform | $30.00 | - |
| Reginald Smith | JP Morgan | Announces | Overweight | $31.00 | - |
| Kyle Peterson | Needham | Lowers | Buy | $33.00 | $36.00 |
| Terry Ma | Barclays | Raises | Equal-Weight | $28.00 | $23.00 |
| Michael Ng | Goldman Sachs | Lowers | Neutral | $24.00 | $27.00 |
| Matthew Coad | Truist Securities | Lowers | Hold | $28.00 | $31.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to SoFi Technologies. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of SoFi Technologies compared to the broader market.
- Price Targets: Analysts provide insights into price targets, offering estimates for the future value of SoFi Technologies's stock. This comparison reveals trends in analysts' expectations over time.
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of SoFi Technologies's market standing. Stay informed and make data-driven decisions with our Ratings Table.
Stay up to date on SoFi Technologies analyst ratings.
About SoFi Technologies
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Unraveling the Financial Story of SoFi Technologies
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Revenue Growth: SoFi Technologies displayed positive results in 3M. As of 31 December, 2025, the company achieved a solid revenue growth rate of approximately 6.6%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: SoFi Technologies's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 16.93%, the company may face hurdles in effective cost management.
Return on Equity (ROE): SoFi Technologies's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 1.8%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): SoFi Technologies's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.36%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.18.
Understanding the Relevance of Analyst Ratings
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
This article was generated by Benzinga's automated content engine and reviewed by an editor.