SoFi Technologies Inc (SOFI)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-14
$17.07-3.29%
Close 2026-09-15 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-14
Research Workspace
Put SOFI beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar broken — Achieve 60 cents EPS in fiscal 2026: FY26 EPS guidance $0.60 vs $0.60 target.
View ThesisRevenue growth is slowing — up about 9% over the past year and decelerating.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 8%, softest on free-cash-flow margins.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look high — the market is pricing in about 24% growth a year, above the roughly 8% analysts expect, leaving little room for error.
View ValuationThis stock is highly volatile — it swings about 3% on a typical day and fell roughly 53% in its worst 12-month stretch.
View RiskSoFi's growth in lending must continue to justify its current price. Recent financial performance has weakened, dropping from the robust to the fragile range. Revenue grew 43% year over year, and the last quarter met expectations. SoFi trades at 2.1× price-to-book, above the 1.6× peer median. The market expects more growth than we forecast, indicating full expectations. A specific risk is that SoFi's earnings quality is fragile, with profits not well backed by cash. Peer multiples imply a price about 23% below where it trades. This read is provisional.
Trailing returns as of 2026-09-15. SOFI is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 26 analysts currently covering SOFI (as of Sep 2026).
Based on 7 Wall Street analysts offering 12-month price targets for SOFI in the last 4 months.
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Compare SOFI with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| SOFI Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 5 valuation methods, at three horizons. As of 2026-09-14. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Compare the value case
Put SOFI next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Lawsuit could hinder growth and operational focus.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-15. EPS is implied from price ÷ P/E. Not investment advice.
Current $17.07
The last 12 months of price, then the range of analyst 12-month targets from today’s $17.07.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Drive record member and product growth
Highlights growth aligns with management's member growth objective.
Partnership may enhance product growth and member engagement.
Advances: Drive record member and product growth
Bullish coverage supports member and product growth objectives.
Launch of SoFi Coach supports growth objectives.