Is SoFi a good stock to buy?

Good stock buys are largely based on what your financial goals are, but as a long-term buy-and-hold stock, SoFi has a lot of promise. The company's fundamentals are growing stronger each quarter and its target customers are generally financially stable, which is a great combination.

Where will SoFi stock be in five years?

It's very difficult to see where a stock will be in five years, especially in unstable economic times, but SoFi has the potential to go the distance and fully mature in the long term. This means it's likely to become a sticky household name with products that people use again and again, ensuring a lot of future value for investors.

How much will SoFi stock be worth in 2030?

Conservative estimates put SoFi stock at around $31 in 2030, but this can change dramatically based on a number of factors and unforeseen circumstances with both the national and global economy.

Is SoFi a bullish stock?

SoFi has a lot of mixed sentiment on Wall Street and beyond, with analysts pretty well split on how they feel this stock will mature. Financial platforms like this are still new, but adoption seems solid, and if it continues, it would be very easy to be very bullish on SoFi's future.

SoFi (SOFI) Stock Predictions for 2026 and Beyond

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

By Kristi Waterworth – Updated Jan 22, 2026 at 4:46 PM EST | Fact-checked by Frank Bass

Key Points

SoFi's expanding services and selective customer base are driving its move toward consistent profitability.
Despite a tough 2026 forecast, SoFi is expected to grow, with stock prices potentially reaching $31 by 2030.
SoFi's partnerships in lending reduce its risk while increasing revenue through fees, promising stability.

Fintech and banking are always attractive industries for investors, but what happens when a promising company in these industries actually starts to show some signs of maturing as a business? In the case of SoFi (SOFI -0.14%), it might be time to consider buying it. Read on to see what we think about the future of this company and a SoFi stock prediction to help guide your decisions.

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NASDAQ: SOFI

SoFi Technologies

Today's Change

(-0.23%) $-0.04

Current Price

$17.28

Key Data Points

Market Cap

$22B

Day's Range

$16.47 - $17.57

52wk Range

$14.92 - $32.73

Volume

90M

Avg Vol

76.6M

Gross Margin

61.74%

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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.

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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 -1.09%) 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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FAQ

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SoFi Stock Prediction FAQ

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About the Author

Kristi Waterworth has been a contributing real estate and financial expert at The Motley Fool, covering real estate, investing, and personal finance topics, since 2020. Kristi has been interviewed by various TV media outlets and podcasts for her real estate investing expertise – from residential real estate to digital real estate and everything in between. Kristi’s journalist career spans over 25 years, and she has written about real estate investing, homeownership, and home construction specifically for the last decade. She was also previously a licensed Realtor and general building contractor before the Great Recession and housing market collapse. She holds a bachelor’s degree in American history from Columbia College in Missouri.

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Kristi Waterworth has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

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

Key Points