SoFi Technologies (SOFI) Buy, Sell or Hold

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SoFi Technologies (SOFI)

18.78

+0.16 (0.86%)

as of Jul 10, 2026, 8:00:00 pm Market Open.

134 watching

Investor Insights

Jul 10, 2026, 12:00 am

This summary was created by AI, based on 8 opinions in the last 12 months.

SoFi Technologies (SOFI-Q) has shown significant growth over the past year, with the membership count rising from 5.22 million in 2022 to about 12.99 million today, in addition to a revenue increase of 12.3% from the previous quarter. Although the stock has faced a recent downturn, dropping 29% in the last month and 15% after disappointing guidance, some experts believe this presents a buying opportunity, especially given the company's overall financial health and profitability. With a high PE ratio and some concerns regarding shortsellers and creative accounting, the experts express mixed sentiments, but there's a general belief in SoFi's potential for growth over the next several years as it positions itself as a full-service financial institution trusted by younger clients. Despite the volatility and the challenges in the consumer market, many maintain faith in the company's trajectory, suggesting to hold or buy on dips.

Consensus

Mixed

Valuation

Overvalued

Similar

AFRM

BUY

It's doing very well, but is not reflected in the stock. It will.

BUY

It's doing very well, but is not reflected in the stock. It will.

BUY

Shares are cheap, they had a great quarter and the CEO is good.

BUY

Shares are down 6.5%. Why? They're turning a corner, doing everything right.

WATCH

It consolidated last year and early this year. A low-volume stock. It broke out earlier this year, then fell back, but has recently held. If it can hold current levels, that's a good sign. Not a bad chart. If it breaks below support, then sell.

BUY

Shares jumped 20% after reporting in late-July, rebounding from a sell-off in the quarter before after that report. But in the past month, it's been hit like so many stocks by rising interest rates and probably some profit-taking. He still believes in it.

BUY

Is up 60% in the last 3 months. PayPal and Robinhood keep going up, so SOFI can also go up more by 25-30%.

DON'T BUY

Student loans is their niche, but they face a challenge from Pres. Biden announcing a moratorium on student loans. Sofi is volatile and their earnings still lie in the future. Higher interest rates don't help. If Sofi endure can the next year or two, maybe look at this stock.

RISKY

Trevor Rose’s Insights - Trevor’s most-liked answers from 5i Research.

SOFI, being a digital lending and financial services company, makes sense for the general direction that society is moving toward. On a company-specific level, earnings results have been improving recently, analyst estimates call for solid revenue growth in the next few years and for profitability to be achieved within the next few years. Its valuation is decent, but its free cash flows are significantly negative. The CEO has been buying which is a positive sign, and momentum has been to improve. As a more speculative position, we would be OK with entering this name here, while being mindful of position sizing and the risks involved.
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BUY

Is up 9% in the last 3 months. Student loans are coming back.

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TOP PICK

SoFi Technologies, Inc. operates as a financial technology company. The Company offers financial services platform for borrowing, saving, spending, and investing. SoFi Technologies serves customers in the United States. Social media mentions are up 58% in the past 24h.

DON'T BUY

Are struggling with interest rates going up faster than they expected.

BUY

It's bottoming. The SPAC money is out. An interesting bank and is building. Now is the time to buy.

BUY

The CEO is doing a good job and shares are cheap enough to buy.

DON'T BUY

It can't catch a break. He was wrong--he thought it would not fall below $9. It fell down to $7.50.

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SoFi Technologies (SOFI)