SoFi Technologies, Inc. (abbreviated as SoFi, short for Social Finance) is an American financial technology company. It was founded in 2011 to refinance student loans for Stanford University graduates. SoFi operates as a direct bank serving retail customers and businesses, and is the largest U.S.-based online lender. I…
An institutional-grade, numbers-driven thesis on SOFI — generated on demand from live fundamentals, scores and forecast.
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As of September 14, 2026, TradersQuant's model rates SoFi Technologies Inc (SOFI) 61/100 with a 12-month base-case forecast of $23.97 — +38.4% versus the current price of $17.32. SoFi Technologies Inc trades at $17.32 in the Financial Services sector, with a market capitalisation of $22.37B. The score blends valuation, growth, earnings quality and momentum into a single grade.
The 12-month TradersQuant model price target for SOFI is $23.97, implying +38.4% versus the current price. The model's 12-month scenario range runs from $18.30 (bear) to $32.40 (bull), with a base case of $23.97.
On the fundamentals, SoFi Technologies shows a P/E of 35.2, trailing revenue of $619.4M, revenue growth of +205.5% YoY. This page also tracks SOFI's short interest, institutional (smart-money) positioning and the options market — the same cross-signal view institutions watch.
SOFI currently carries a TradersQuant composite score of 61/100, which we read as a neutral-to-watch signal. The Wall-Street analyst consensus is "hold". Our 12-month price target of $23.97 implies +38.4% from $17.32. This is research, not financial advice — always combine it with your own judgement.
The TradersQuant 12-month model price target for SOFI is $23.97, about +38.4% versus the latest price of $17.32. Consensus is based on 31 analysts.
TradersQuant's 12-month model forecast for SOFI is a base case of $23.97, ranging from $18.30 (bear) to $32.40 (bull), an expected return of +38.4%. Forecasts are model estimates, not guarantees.
The TradersQuant price prediction for SOFI over the next 12 months is $23.97 in the base case (bear $18.30, bull $32.40), versus today's price of $17.32. Unlike black-box prediction sites, every TradersQuant call is logged at the price and date it was made and graded publicly against the S&P 500.
We deliberately don't publish 2030 price predictions for SOFI — no model can honestly forecast a single stock five-plus years out, and sites that do are guessing. TradersQuant focuses on a rigorous 12-month bull/base/bear range, refreshed continuously and graded on our public track record.
TradersQuant estimates SOFI's fair value at $22.63, implying +30.6% of expected upside versus the current price.
SoFi Technologies does not currently pay a dividend.
Data and model outputs are for research only and are not financial advice. Figures update continuously.
SoFi Technologies Inc (SOFI) has 1 TradersQuant call on the record, including a live Watchlist from Jul 3, 2026. Every call is logged at the live price and marked to market against the S&P 500 — wins and misses shown in full.
| Call | Logged | Entry | Return | vs S&P | Verdict |
|---|---|---|---|---|---|
| Watchlist | Jul 3, 2026 | $18.24 | -5.0% | -7.7% | Live |
Calls graded on a 90-day forward window vs. the S&P 500. Research only — not financial advice.
