SoFi Technologies (SOFI) Buy, Sell or Hold

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SoFi Technologies (SOFI)

16.31

-0.16 (0.97%)

as of Jul 31, 2026, 8:00:00 pm Market Open.

135 watching

Investor Insights

Jul 31, 2026, 12:00 am

This summary was created by AI, based on 9 opinions in the last 12 months.

SoFi Technologies (SOFI-Q) has garnered mixed reviews from experts amid a turbulent fintech landscape. While some analysts express skepticism due to short-seller allegations and a recent selloff following disappointing guidance, others are optimistic about the company's growth trajectory. With an increase in revenue and membership, SoFi is positioned to become a significant financial powerhouse, despite experiencing volatility in its stock price. Long-term bulls highlight the impressive membership growth and profitability, suggesting that SoFi has substantial upside potential. However, the higher P/E ratio indicates risks that investors should consider before making a decision.

Consensus

Mixed

Valuation

Overvalued

Similar

Affirm,AFRM

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.

BUY

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

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.

Showing 46 to 58 of 58 entries

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SoFi Technologies (SOFI)