SOFI Stock Price Today (October 2026) — SoFi Technologies, Inc. Analysis & Key Metrics 2026-10-08
SoFi Technologies, Inc. (SOFI) is trading at $15.61, down 0.32% today (as of October 2026). The stock continues to show pressure below major moving averages, attracting attention from investors looking for Financial Services growth opportunities.
- According to consensus analyst estimates, the 1-year price target is $20.03 (28.3% upside).
- Volatility is low (21.71% annualized), implying relatively contained price movements for short-term traders.
- The fundamental picture, based on the latest financial filings, is nuanced: solid revenue growth (42.60% YoY) alongside competitive pressures in the Credit Services space.
SOFI Stock Analysis: Key Metrics & Valuation (October 2026)
Concise, actionable data for investors
SoFi Technologies, Inc. - Historical Price & Volume
- Price
- Volume
- Latest price
Market Cap
Enterprise Value: $20.21B
P/E Ratio
Forward P/E: 21.75
Revenue Growth
Year over Year
Analyst Target
+28.3% upside potential
Key Investor Questions About SOFI
What investors need to know before buying
Based on current market data, SOFI presents a neutral technical setup with looking solid fundamentals.
- Technicals say: Neutral (RSI 31.10)
- Fundamentals say: Looking solid (debt and growth supportive)
SOFI's growth trajectory depends on its ability to expand within the Credit Services sector while managing margin pressures.
- Future growth will depend on performance in core Credit Services operations.
- The ability to manage competitive pressures will be crucial for sustained growth.
The primary risks for SOFI investors include debt exposure and competitive dynamics in the Credit Services industry.
- $3.42B in debt could be a headwind in a high-rate environment.
- Fierce competition from established players in Credit Services.
52-Week Trading Range
Over the past year, SOFI stock traded between $14.88 and $32.73 and currently trades near the low end of that range. Big swings are less likely unless a major catalyst emerges.
Volatility & Risk Profile
With 21.71% annualized volatility and β=2.59, the stock exhibits high sensitivity to market moves—making SOFI suitable for investors comfortable with active risk management.
Institutional & Insider Ownership
High institutional backing, but elevated short interest signals a potential battleground stock.
Analyst Sentiment & Price Targets
Latest News & Headlines
Recent headlines and coverage
Is SoFi Technologies (SOFI) Cheap On Its Stablecoin Rollout And Growth Push?
SoFi Technologies (SOFI) has become a talking point after SoFi Bank and Mastercard activated stablecoin settlement for the bank’s debit and credit cards, using SoFiUSD across a reported US$25b card program. For all the excitement around SoFi Technologies' stablecoin rollout with Mastercard, the share price has been under pressure, with a 30 day share price return that is down 12% and a year to date move that is down 39.62% at a recent US$16.58, even though the 3 year total shareholder return...
The UK Just Ran the World’s First Interbank Tokenized Deposit Transactions. The Same Platform Is Headed to 25 US Banks.
For the past few years, the financial industry has been obsessed with the settlement layer. We watched as Visa settled $20B in stablecoins annually and eventually became a founding validator on Circle’s Arc L1. We saw SoFi launch the first bank-issued stablecoin on Mastercard, signaling that traditional finance was ready to move value at the […]
SoFi, Mastercard activate stablecoin settlement for SoFi Bank card programme
As part of the rollout, SoFi Bank is moving its entire $25bn card programme to stablecoin-based transaction settlement using SoFiUSD.
Should You Buy SoFi Stock Before Oct. 27?
SoFi stock is down 34% YTD. Is it in the buy zone?
SoFi Built a Bank, a Card Program, and a Stablecoin, but the Stock Struggles to Budge
SoFi launched a bank, a credit card empire, and a stablecoin on Mastercard's network, yet the stock sits nearly where it started five years ago. One operating metric suggests the everything-app thesis is actually working, so what keeps the chart pinned?
Is the Market Right or Wrong About These 4 High Short Interest Stocks?
HIMS, ONDS, COIN, and SOFI show elevated short interest, but days-to-cover ratios, institutional ownership, and upcoming earnings reports suggest differing outlooks for short sellers.
Why SoFi Stock Is a Good Buy Now
SoFi’s efforts to scale its non-lending, capital-light businesses augur well for growth.
Mastercard (MA) Stock Still Looks Undervalued Following Its 63% Five Year Run
Mastercard has delivered a strong multi year gain for shareholders, yet the recent soft patch in the share price puts the focus squarely on whether that long run is supported by the returns it earns on its capital. Over the past 5 years, Mastercard has returned 63.3%, which puts real weight on the question of whether the underlying economics of the business are rich enough to support that kind of compounding. New projects such as stablecoin settlement with SoFi and AI enabled payment and...
SoFi's Stablecoin Goes Live Across Mastercard's Network
SoFiUSD is the first stablecoin issued by a nationally chartered US bank
SoFi Technologies, Inc. (SOFI) Stock Moves 1.12%: What You Should Know
In the latest trading session, SoFi Technologies, Inc. (SOFI) closed at $17.16, marking a +1.12% move from the previous day.
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Earnings snapshot
Next report Oct 27, 2026 (before the open)
Frequently Asked Questions
Common investor questions about SoFi Technologies, Inc.
SoFi Technologies, Inc. (SOFI) is currently trading at $15.61. The RSI (14-day) is at 31.1, indicating neutral territory. Wall Street analysts have a consensus "hold" recommendation. The mean analyst price target of $20.03 implies 28.3% upside from current levels. Volatility is moderate at 21.7% annualized, meaning price movements are relatively contained. Investors should consider their risk tolerance, investment horizon, and portfolio diversification before making a decision.
Based on current valuation metrics for SoFi Technologies, Inc. (SOFI): The trailing P/E ratio is 36.77, which is above the market average, indicating investors are pricing in higher growth expectations. The forward P/E is 21.75, lower than the trailing P/E, suggesting analysts expect earnings improvement. The PEG ratio is 0.92, below 1.0, which generally indicates the stock is undervalued relative to its growth rate. Price-to-Book is 2.06. Price-to-Sales is 5.34. Valuation should be compared to Credit Services industry peers for context, as different sectors trade at different multiples.
Based on 20 analysts covering SOFI, the consensus price target is $20.03. This represents a 28.3% upside from the current price of $15.61. The range spans from a low target of $12.00 to a high target of $30.00, reflecting varying levels of optimism among analysts. The consensus recommendation is "hold". Note: Analyst price targets are forward-looking estimates and not guarantees of future performance.
SoFi Technologies, Inc. (SOFI) does not currently pay a regular dividend. The company may be reinvesting profits into growth initiatives, or may not yet be profitable enough to distribute earnings to shareholders.
Key risks for SoFi Technologies, Inc. (SOFI) investors include: 1. Elevated short interest (14.8% of float) suggests significant bearish sentiment. 2. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 3. Credit Services sector-specific competitive pressures. Investors should diversify and consider their risk tolerance before investing.
Here is SoFi Technologies, Inc.'s (SOFI) current debt and financial health profile: Total debt stands at $3.42B. The debt-to-equity ratio is 0.31x, which is moderate and generally manageable for most companies. The current ratio is 1.11, indicating adequate short-term liquidity. The quick ratio is 0.46. The company holds $3.37B in cash and equivalents.