My SoFi Stock Prediction for 2027

SUMMARY

Parkev Tatevosian, CFA, provides a detailed analysis of SoFi's stock performance, outlining revised price targets for 2027 amid recent underperformance in 2026. He discusses valuation scenarios, key catalysts, and downside risks that could influence SoFi's share price trajectory.

MAIN POINTS

• SoFi stock is down 31% year-to-date in 2026, prompting a reassessment of its outlook and price targets. [0:00]
• Four scenario analyses are presented for SoFi's 2027 share price based on different forward price-to-earnings multiples and Wall Street's 2028 earnings per share estimate. [2:01]
• Potential upside catalysts for SoFi include the prospect of lower interest rates and a rebound in its technology services business. [4:00]
• The company's valuation is currently more in line with traditional banks due to loan-driven revenue, but a shift toward technology revenue could boost its price-to-earnings multiple. [6:01]
• A U.S. recession is identified as a significant downside risk, especially given SoFi's large portfolio of unsecured personal loans. [7:02]
• Access to detailed valuation spreadsheets and ongoing stock ratings is available through the channel's investor-tier membership. [9:00]

DETAILED ANALYSIS

SoFi Technologies has experienced significant volatility, with its stock declining 31% year-to-date in 2026. Earlier in the year, the stock was upgraded to a buy at $18 per share, following a previous downgrade to hold when it neared $30 per share in 2025. The current analysis revises the 2027 price target downward, reflecting the company's underperformance in 2026.

Wall Street analysts project SoFi will achieve $1.06 in earnings per share in 2028, and the stock's forward price-to-earnings (PE) ratio stands at 22, near multi-year lows. Using these figures, several scenarios are outlined: if the PE remains at 22, the 2027 price target is $23.53; if it rises to 24, the target increases to $25.44; if it falls to 20 or 18, the targets drop to $21.20 and $19, respectively. With the current market price at $18.05, the most probable outcome is a range between $24 and $26 per share by the end of 2027, representing a potential upside of approximately 38.5%.

Key upside catalysts include the possibility of lower interest rates, which would enhance SoFi's loan portfolio value and stimulate borrowing activity, benefiting the company's core business. Additionally, a recovery in SoFi's technology services segment could shift the company's revenue mix, potentially leading to a higher valuation multiple more typical of technology firms rather than banks. Conversely, a major downside risk is a potential U.S. recession, as SoFi holds about $28 billion in loans, with $20 billion in unsecured personal loans.

These are particularly vulnerable in economic downturns due to the lack of collateral, making SoFi's performance highly sensitive to macroeconomic conditions. The probability of a recession in 2027 is considered low, but if it occurs, SoFi's share price could fall below the lower end of the projected range. Ongoing updates and detailed valuation models are available to investors through the channel's membership program.

LINKS

• Membership page for exclusive perks and access to spreadsheets.
• Link to Parkev Tatevosian's book on stock investing.
• Fiscal.ai investment research platform with a viewer discount.
• Webull investing platform with bonus shares offer.
• Subscription page for Parkev Tatevosian's free monthly newsletter on Substack.

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