SoFi Technologies Stock Price Target and Forecast 2025 to 2030

SoFi Technologies Stock Price Target and Forecast 2025 to 2030: Hello investors, if you are looking for Sofi Technologi’s target price in the coming years, you are in the right place to know this information. We are going to provide you with an overview of the company and its growth.

Sofi Tech started operating in June 2021 with a special purpose acquisition company (SPAC) led by Chamath Palihapitiya. It is a social finance company, a student loan finance firm, and also invests in various financial products. In this article, we are going to discuss about Sofi technology.

Table of Contents

Galileo Acquisition:

After the SPAC acquisition, SoFi gained substantial capital to enhance its technology stack.
The Galileo platform, acquired in 2020, allows SoFi to deploy a wide range of financial services quickly.

Sofi Technology Stock Performance:

SoFi’s IPO price was $10 per share, and it suddenly rose by 150%, but it has since dropped to $6.64 per share.
Investors are keeping eye on what will happen to the stock over the next 1, 3, and 5 years.

Sofi Technology Financials:

Revenue and net income have seen significant growth over the past four years:

2021: Revenue of $977.3M, Net Income of ($483.9M)
2022: Revenue of $1,519.2M, Net Income of ($320.4M)
2023: Revenue of $2,067.8M, Net Income of ($300.7M)
2024 LTM: Revenue $2,343.5M, Net Income ($113.3M)

Operating costs increased due to technology improvements and marketing spending.

Profitability and Scalability:

SoFi is close to an inflection point on profitability.
As revenue grows, costs per customer decrease, making the company more profitable.
Strong optimism exists for SoFi’s earnings per share to continue rising.

Key Drivers of Stock Performance:

Expansion of financial services, SoFi aims to be a one-stop shop for various financial needs.
Bank charter and deposit base expansion: Efficient lending operations through a national banking charter.

Cross-selling and Customer Retention

Providing a variety of financial products to boost customer lifetime value.
Wall Street’s 1-year price target for SoFi Technologies is $8.73, which is 31.48% higher than today’s stock price.
Among 15 analysts, the consensus rating is hold, with an average score of 2.88

Revenue and Net Income Estimates (2025-2030):

These estimates use a price-to-sales valuation of 3.5 times, compared with other finance tech companies like Square, PayPal, Upstart, LendingClub, and Affirm, which give a blended valuation of around 3.3 times sales.

SoFi Technologies Stock Price Target and Prediction:

2025: Revenue is expected to grow 15.3%, with an EPS of $0.21. Estimated stock price: $9.33 (40.51% higher than today).
2026: Stock price estimate: $11.35, a 70.93% gain from today.
2027: Expected EPS of $0.62 per share, with a stock price of $12.46 (87.65% higher).
2028: Estimated stock price of $14.23 with an EPS of $0.83 (114.31% gain).
2029: Expected earnings of $1.02 per share, with a stock price estimate of $15.9 (139.46% higher).
2030: estimated stock price of $17.56, representing 164.46% growth from the current price of $6.64.