SoFi Stock Price Prediction 2030: SOFI Forecast
SoFi stock price prediction 2030: live SOFI analyst price targets, plus bear, base, and bull scenarios built from consensus EPS, with every assumption shown.
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As of October 21, 2026, SoFi (SOFI) trades at $14.90. The 23 analysts in Yahoo Finance's consensus have an average 12-month price target of $20.36, with a range of $12.00 to $30.00. Ecomerate's scenario model puts 2030 at $8.35 in the bear case, $21.37 in the base case, and $38.04 in the bull case. The spread is wide because SoFi's value depends on whether it can keep adding members and loans quickly without credit losses rising, and on whether investors value it as a bank or as a fintech platform. In July 2026 SoFi raised its 2026 adjusted net revenue guidance to $4.75 billion to $4.85 billion and kept adjusted EPS guidance at about $0.60.
Key Takeaways
- • Members: SoFi added a record 1.1 million members in the quarter to June 30, 2026, reaching 15.8 million, up 35% from a year earlier.
- • Guidance: Management raised 2026 adjusted net revenue guidance to $4.75 billion to $4.85 billion but kept adjusted EBITDA at about $1.6 billion and adjusted EPS at about $0.60.
- • Lending-led: Lending produced $725 million of second-quarter GAAP net revenue of $1.22 billion, and total originations reached a record $14.8 billion.
- • Medium-term target: In January 2026 SoFi guided to 38% to 42% compound annual growth in adjusted EPS from 2025 to 2028, assuming no meaningful change in the economy.
SoFi 12-Month Analyst Price Targets
| Price | Change from today | |
|---|---|---|
| Current price | $14.90 | — |
| Lowest target | $12.00 | -19.5% |
| Average target | $20.36 | +36.7% |
| Median target | $19.00 | +27.5% |
| Highest target | $30.00 | +101% |
| 52-week range | $13.86 to $32.73 | — |
SoFi Stock Price Prediction 2030: Three Scenarios
Each scenario grows SoFi's forward EPS ($0.82 today) at a fixed annual rate for 3 years, then applies an exit multiple. Change one assumption and the price changes with it, which is the point: the table shows what you would have to believe, not what will happen.
| Scenario | Growth per year | Exit P/E | 2030 EPS | 2030 price | Change from today |
|---|---|---|---|---|---|
| Bear | 4% | 9x | $0.93 | $8.35 | -44% |
| Base | 20% | 15x | $1.42 | $21.37 | +43.4% |
| Bull | 28% | 22x | $1.73 | $38.04 | +155% |
- •Bear case (4% a year, 9x): Unemployment rises, personal-loan charge-offs climb well above 2026 levels, and the buyers of loans SoFi originates for others pull back. Earnings stall after 2027 and the stock trades like a regional bank.
- •Base case (20% a year, 15x): Member growth slows from today's 30%-plus pace, but cross-selling and fee income keep earnings growing about 20% a year, below management's 2025-to-2028 target. The P/E settles between a bank's and a fintech growth stock's.
- •Bull case (28% a year, 22x): SoFi meets its medium-term EPS target and keeps growing quickly after 2028 as deposits, investing, and its technology platform scale. Investors value it as a consumer fintech platform rather than a lender.
How These Numbers Are Built
- • Start from the consensus forward EPS, which is analysts' estimate for the next fiscal year.
- • Compound it at each scenario's growth rate from that year to 2030.
- • Multiply 2030 EPS by the scenario's exit P/E to get a share price.
- • The model holds the share count flat, so dilution, buybacks, and acquisitions are not included. It uses forward EPS, not cash flow, debt, or a discounted valuation.
- • Prices, targets, and estimates refresh from Yahoo Finance about once an hour. The written analysis and assumptions are reviewed on the date shown at the top.
SoFi Stock Forecast for 2026 and 2027
For the next twelve months, the best public reference is the analyst consensus in the table above: an average target of $20.36 against a price of $14.90, from 23 analysts as of October 21, 2026. Most of those targets run to roughly late 2027, so they cover what is left of 2026 and most of 2027.
The next marker is SoFi's third-quarter report, which the company scheduled for October 27, 2026, with results at about 7 a.m. Eastern and a call at 8 a.m. The market will watch whether revenue guidance rises again, whether the roughly $0.60 adjusted EPS target changes, and the personal-loan charge-off rate.
What Drives SoFi's Stock
SoFi makes personal, student, and home loans, takes deposits through SoFi Bank, and sells investing, credit card, and other financial products to its members. It also runs a technology platform, Galileo and Technisys, that other financial companies use.
In the quarter to June 30, 2026, GAAP net revenue rose 43% to $1.22 billion and net income rose 61% to $157 million, or $0.12 a diluted share. Lending revenue grew 63% to $725 million, Financial Services grew 29% to $466 million, and Technology Platform revenue fell 23% to $85 million.
Members are the leading indicator. SoFi had 15.8 million members and 24.4 million products at June 30, 2026, and 51% of new products came from existing members, so growth depends on both sign-ups and cross-selling. Management expects members to grow at least 30% in 2026.
Credit, Capital, and Dilution
Personal loans are the largest risk. SoFi's annualized personal-loan net charge-off rate was 2.62% in the second quarter of 2026, down from 3.03% in the first quarter, and management assumes maximum cumulative losses of 7% to 8% on those loans.
SoFi has used its own shares to fund growth. It sold about $1.5 billion of stock at $27.50 a share in December 2025, which strengthened capital but added to the share count. Deposits reached $45.5 billion at June 30, 2026, up $5.3 billion in the quarter, and tangible book value was $7.34 a share.
The Bull Case
- • Growth: adjusted net revenue rose 40% in the second quarter of 2026, and management raised its full-year revenue range.
- • Cross-selling: products per member reached a record 1.54, and more than half of new products came from existing members.
- • Fee income: SoFi originated $3.1 billion of personal loans for third parties through its Loan Platform Business in the second quarter, earning fees without keeping the loans.
- • Medium-term target: management's 38% to 42% annual EPS growth target for 2025 to 2028 is well above the base case used here.
The Bear Case
- • Credit: most of SoFi's revenue is tied to consumer lending, so a weaker job market would show up in charge-offs and in demand for the loans it sells.
- • Rates: higher interest rates raise funding costs and can reduce demand for refinancing loans.
- • Dilution: SoFi has raised equity to fund growth, including about $1.5 billion in December 2025, and further raises would spread earnings across more shares.
- • Earnings lag revenue: in July 2026 SoFi raised its revenue guidance but held EPS guidance at about $0.60, so the extra revenue was not expected to lift full-year earnings.
- • Technology Platform: revenue in that segment fell 23% from a year earlier in the second quarter of 2026.
Before You Rely on This
This article is information and research education, not personalised investment advice or a recommendation to buy or sell any security. Figures can be stale or incomplete, so check material claims against the dated primary source. Ecomerate is not a broker.
Sources
- SoFi second-quarter 2026 earnings release (Form 8-K exhibit, SEC)
- SoFi fourth-quarter 2025 earnings release with 2026 guidance and medium-term outlook (Form 8-K exhibit, SEC)
- SoFi schedules conference call to discuss Q3 2026 results (Business Wire, September 2026)
- SoFi announces pricing of public offering of common stock (December 2025)
- SOFI analyst estimates (Yahoo Finance)
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Frequently Asked Questions
What is the SoFi stock price prediction for 2030?
No one can predict it reliably. Ecomerate's scenario model, which applies stated growth and P/E assumptions to consensus forward EPS, gives $8.35 in the bear case, $21.37 in the base case, and $38.04 in the bull case. Those are illustrations of what you would have to believe, not forecasts.
What is the SoFi stock forecast for the next 12 months?
As of October 21, 2026, the 23 analysts in Yahoo Finance's consensus have an average 12-month target of $20.36, with a low of $12.00 and a high of $30.00. The stock was at $14.90.
How many members does SoFi have?
SoFi had 15.8 million members at June 30, 2026, up 35% from a year earlier, after adding a record 1.1 million in the second quarter. Management expects at least 30% member growth for 2026.
What could make SoFi stock fall?
The main risks are rising personal-loan losses in a weaker economy, higher interest rates, less demand from the buyers of loans SoFi originates for others, and further share sales that dilute existing holders.
When does SoFi report earnings next?
SoFi scheduled its third-quarter 2026 results for October 27, 2026, at about 7 a.m. Eastern, with a conference call at 8 a.m. Check SoFi's investor relations site for the release.
Is SoFi stock a buy?
Ecomerate does not make buy or sell recommendations. This page shows third-party analyst targets, a scenario model with its assumptions, and the risks on both sides so you can do your own research.