SoFi (SOFI) Stock Predictions: What Investors Should Expect in 2026 and Beyond

SoFi forecast

SoFi is an interesting story in that the financial stock has flip-flopped from being a darling of investors to yesterday's news. But now that the hype has died down, it's really starting to find some traction. It's been inching toward profitability for years as it has grown its user base, reporting positive net income for the last four quarters. This is largely due to expanding its product offerings to sell more to existing customers, and by being selective about who it does business with, focusing largely on customers with high disposable income and high credit scores.

For January 2025, Wall Street analysts have made 22 recommendations for SoFi, with six Buys and 11 Holds. Price targets, however, have clocked SoFi stock prices at around $27 on average, which is just $2 more than the Jan. 20 closing price.

2026 forecast

According to data from CoinCodex, 2026 is not going to be a great year for SoFi stock, with an anticipated average annualized price of $15.56 per share for the year. That being said, SoFi's performance continues to be solid. Even if there is an economic downturn, its lending business's primary customer base is not one that tends to default. Adding banking and other financial services, including equities trading, gives SoFi other places to earn income if lending slows down.

However, it's understandable that the stock price could fall, even if the business remains solid, with the U.S. economy in such a state of unrest and with so many unknowns hanging in the air. Investors may be able to score some bargains this year if they watch this stock carefully, so long as the company remains on its path to maturity.

2030 forecast

The good news is that CoinCodex anticipates a great deal of growth in the stock price of SoFi from the uncertainty of 2026 to a point where we are (hopefully) beyond that in 2030. The average annualized price according to this resource in 2030 will be $31.05, a significant growth from the predicted average price for 2026.

With SoFi moving loans off its own books and to those of its partners, instead taking a fee for acting as a middleman, expanding its financial offerings, including equities options and even diving into crypto investing, and a growing member base (up 35% year over year as of the third quarter of 2025), the future holds a lot of potential for SoFi investors.

Key drivers of SoFi's stock performance

SoFi's stock has seen some pretty deep troughs in its short history as a listed company, but those are lessening as the company matures. Its revenue has become more stable and its brand more recognizable. Here are some key drivers for the current performance:

• Strong underwriting. Although not every company can fight and win in the high-income, high-credit-score niche, SoFi has managed to do just that. The company's weighted average FICO score for personal loans was 745 as of Q3 2025, for a borrower with $157K income. The student loan business profile was similar, but with a credit score of 773. In an economic downturn, these are the borrowers who do not tend to default.
• Member growth. Despite high lending requirements, SoFi is growing rapidly, with a growth of 905,000 members -- a 35% year-over-year gain -- in Q3 2025. It has seen member growth of 7% or more each quarter since the first quarter of 2023. This is both a solid and sustainable growth level, signaling that the company is taking a manageable approach to its expansion.
• Lending partnerships. Rather than taking all the debt on itself, SoFi partnered with asset managers to help move more debt off its own books. In 2025, for example, it partnered with Blue Owl (OWL -0.44%) to fund personal loans using SoFi's same underwriting criteria. Instead of SoFi taking all the risk for these loans, though, it simply paid a fee to do the hard work, and Blue Owl agreed to take as much as $5 billion in loans onto its own books.

Moves like these are showing investors that the company has a plan for its long-term growth and a path to increased profitability, even during uncertain times. The organized, methodical path to growth is promising long-term for investors who buy now. This can't always be said for financial stocks, especially those with less financially stable customers.

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