Up 32% in 2026, How High Can SOFI Stock Go This Year?

1 hour ago 2

Vandita Jadeja

Mon, March 30, 2026 astatine 12:37 PM CDT 5 min read

SoFi Technologies (NASDAQ:SOFI) climbed from a 52-week debased of $8.60 to a precocious of $32.73 earlier a crisp reversal brought shares backmost to $15.39 arsenic of writing. That retreat has reset valuations to a level our exemplary finds compelling. The 24/7 Wall St. terms people for SoFi is $17.98, implying 16.88% upside implicit the adjacent 12 months. Our exemplary carries a 90% assurance level successful the $17.98 target.

SoFi (SOFI) reported Q4 2025 gross of $1 cardinal for the archetypal clip and full-year adjusted EPS of $0.39, beating consensus, with absorption guiding for $0.60 adjusted EPS successful 2026 and 38-42% EPS CAGR done 2028 arsenic its fiscal services conception grows gross 78% year-over-year.
SoFi’s banal has fallen 41.83% year-to-date contempt operational strength, creating a compelling introduction constituent astatine existent valuations, though the lawsuit depends connected stabilizing idiosyncratic indebtedness charge-off rates that roseate to 2.80% successful Q4 and sustaining fiscal services conception maturation supra 70%.
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Metric

Value

Current Price	$15.39
24/7 Wall St. Price Target	$17.98
Upside	+16.88%
Recommendation	BUY
Confidence Level	90%

SOFI entered 2026 astatine $26.18 and climbed to its 52-week precocious of $32.73 earlier a sustained selloff took hold. The banal is present down 21.05% implicit the past period and 41.83% year-to-date, trading beneath some its 50-day moving mean of $21.25 and 200-day moving mean of $23.74.

That selling unit stands successful opposition to beardown Q4 2025 results, wherever SoFi crossed $1 cardinal successful quarterly gross for the archetypal time. For afloat twelvemonth 2025, SoFi reported adjusted EPS of $0.39, beating the $0.363 statement estimation connected gross of $3.61 billion, up 38.32% year-over-year. Q4 unsocial delivered EPS of $0.13 against a statement of $0.11, an 18.18% beat. The spread betwixt concern show and banal show is the cardinal hostility driving our analysis.

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A top-down presumption of a woody table covered with aggregate concern and fiscal charts and graphs. A achromatic magnifying solid lies connected a barroom illustration successful the center, and a acheronian pen rests connected different barroom illustration to the right. The charts show assorted information points including property demographics, numerical values, income distribution, and a pastry chart. A translucent bluish and achromatic integer web signifier is overlaid crossed the full scene, suggesting information connectivity.

The bull thesis centers connected SoFi's fiscal services segment, which grew gross 78% year-over-year successful Q4 with publication nett doubling to $230.8 million. Fee-based gross reached a grounds $443 million, up 53% YoY, reducing dependence connected involvement complaint spreads.

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