SOFI Stock Price Today (October 2026) — SoFi Technologies, Inc. Analysis & Key Metrics 2026-10-20
SoFi Technologies, Inc. (SOFI) is trading at $14.68, up 2.66% 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 $20.36 (38.7% upside).
- Volatility is high (40.26% annualized), implying wide price swings 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: $19.01B
P/E Ratio
Forward P/E: 21.75
Revenue Growth
Year over Year
Analyst Target
+38.7% 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 37.74)
- 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 $13.86 and $32.73 and currently trades near the low end of that range. Big swings are likely unless a major catalyst emerges.
Volatility & Risk Profile
With 40.26% annualized volatility and β=2.65, 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
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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 $14.68. The RSI (14-day) is at 37.7, indicating neutral territory. Wall Street analysts have a consensus "hold" recommendation. The mean analyst price target of $20.36 implies 38.7% upside from current levels. Volatility is high at 40.3% annualized, meaning significant price swings are common. 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 23 analysts covering SOFI, the consensus price target is $20.36. This represents a 38.7% upside from the current price of $14.68. 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. High volatility (40.3% annualized)—the stock can experience significant daily price swings. 2. Elevated short interest (16.9% of float) suggests significant bearish sentiment. 3. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 4. 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.