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 been beaten down too much. It should at $14-15. Buy this and put it away.

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DON'T BUY

Won't be profitable for quite some time. When a stock plummets so quickly, there's an army of sellers just waiting to get their money back. Unless your horizon is really long, not a place for new money until technical picture improves.

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TOP PICK

Announced the acquisition of a bank charter, giving them access to cheaper financing. Jim Cramer gave several BUY signals over the past few weeks. Social media mentions are up 37% over the last 24h.

BUY

It just cleared regulatory hurdle to become a chartered bank holding company. Shares soared today. They can now access cheaper financing. However, tech stocks are still way down from November highs during the current sell-off. There's a lot more upside to come.

BUY ON WEAKNESS

It's bottomed out, because they got rid of all those insider sellers. At current $14 levels, this is a buy.

BUY

Allan Tong’s Discover Picks SoFi has obtained a banking license, so it’s drifting towards the model of a traditional bank. That may reassure some investors who were turned off by the company going public via the hated SPACs. Cramer believes SoFi is taking off from $20, and Wall Street agrees with a price target of $24.58 or 26% upside, based on five buys and one hold, including new calls initiated by Morgan Stanley and Jeffries. Because SoFi is such a new stock, there are scant fundamentals or comps to analyze the stock. If you can hang onto the stock’s wild swings (and there have been some gut-wrenching dives), then try SoFi. Read 3 Long Term Growth Stocks for our full analysis.

BUY

They're close to a traditional bank with debit and credit cards and are even selling insurance. It's on its way to getting a banking charter. But the stock has been a dog, mired in student loans and they went public via the hated SPACs. It's up 20% this month after MS called a buy rating, but down $10 for the year.

BUY

It saw an analyst upgrade today. He believes in Sofi (as does Cathy Wood). This will move as fast as the fast-growth names, more than JPMorgan, for example. Sofi doesn't face any regulator hair unlikes its peers. He targets $25 in 2022.

BUY

This will breakout from $20. There's been a lot of activity in the debt market, a tailwind. They just announced a president for Sofi Bank, gives a little corporate confidence. Stong fundamentals and technicals. He targets deep into the $20s.

WAIT

Wait until things cool down in China (Evergrande) before you pull the trigger. Don't buy or add shares yet. Then again, sell at $13.

BUY

Long-term, he likes it. They're about to report. The CEO is doing a terrific job.

BUY ON WEAKNESS

It's been a nightmare, but should stop falling soon. Enter at $14.

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SoFi Technologies (SOFI)