<div id="readability-page-1"><p>Despite tariff-driven market volatility, shares of SoFi Technologies Inc. (NASDAQ: SOFI) are up 2.6% in the past week. Though the stock had a strong start to 2025, on last look the share price was still down 28.7% year to date. However, its one-year gain is 53.3%.</p> <p>Worries about recession have had an impact on fintech stocks like SoFi. While Jim Cramer has been talking up the stock lately, Cathie Wood has sold millions worth of shares. Morgan Stanley recently raised its price target for the stock from $7.50 to $13.00 and called the company “underweight,” and Needham raised its target for SoFi from $13.00 to $20.00 while giving it a Buy rating. The company reported strong fourth-quarter earnings but tempered forward guidance.</p> <p>SoFi just announced a $2 billion extension of its Loan Platform Business agreement for personal loans with funds managed by affiliates of Fortress Investment Group. And the company has scheduled its annual shareholders meeting for May 28.</p><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="468" height="120" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>              <div id="keypoints">                              <ul>                                     <li>                         <p>SoFi Technologies is a premier online financial solutions platform targeting a more affluent demographic.</p>                     </li>                     <li>                         <p>Its ambition to become a one-stop shop for financial services and its growing deposit base will likely drive future growth.</p>                     </li>                     <li>                         <p>24/7 Wall St. projects a healthy upside for the stock through the end of the decade.</p>                     </li>                     <li>                         <p>If you’re looking for a megatrend with massive potential, make sure to grab a complimentary copy of our “The Next NVIDIA” report. The report includes a complete industry map of AI investments that includes many small caps.</p>                      </li>             </ul>         </div>  <p>SoFi made its public debut on June 1, 2021, through a merger with a special purpose acquisition company (SPAC), Social Capital Hedsophia Holding Corp. V. Before the merger, the company was originally known as Social Finance, which started as a student loan financing firm before expanding into loans, and mortgage products among other finance products. After the SPAC acquisition, SoFi was equipped with substantial capital to enhance its technology stack to better scale its 2020 acquisition of Galileo. The Galileo platform was developed to deploy a wide range of financial services quickly, giving SoFi the tools to take numerous financial products to a mass market.</p> <p>SoFi went public at $10 per share, and that quickly jumped 150%, but the stock has seen lackluster performance since. However, investors only care about what happens from this point on, particularly over the <span>next one, three, and five years. Let’s crunch the numbers and give you our best guess on SoFi’s future share price. </span><span>No one has a crystal ball and even the Wall Street “experts” are often wrong more than they are right in predicting future stock prices. But we give you our revenue and earnings projections as our peer-to-peer valuation.</span></p> <h2>SoFi’s <b>Recent Performance </b></h2>  <p>Here’s a table summarizing performance in share price, revenue, and profits (net income) from IPO.</p> <table> <tbody> <tr> <td><strong>Year</strong></td> <td><strong>Share Price</strong></td> <td><strong> Revenue*</strong></td> <td><strong>Net Income*</strong></td> </tr> <tr> <td>2021</td> <td>$12.50</td> <td>$977.3</td> <td>($483.9)</td> </tr> <tr> <td>2022</td> <td>$15.81</td> <td>$1,519.2</td> <td>($320.4)</td> </tr> <tr> <td>2023</td> <td>$4.62</td> <td>$2,067.8</td> <td>($300.7)</td> </tr> <tr> <td>2024</td> <td>$15.40</td> <td>$2,343.5</td> <td>($113.3)</td> </tr> </tbody> </table> <p><span>*Revenue and Net Income in millions</span></p> <p>In the past four years, SoFi has more than doubled revenue, but that top-line growth also carried a jump in total operating costs, particularly the $720 million in sales and marketing expense in 2023. However, the increases in operating costs are money well spent with in-house technology improvements and member-generating marketing spending.</p> <p></p> <p><b>Chart Source: YCharts</b></p> <p>SoFi is close to hitting an inflection point in profitability and has done a stellar job of expanding revenue and improving earnings per share (EPS).</p> <p>As SoFi’s revenue grows, it becomes more profitable, meaning its costs per customer decrease. This scalability is important because it indicates that as the company grows, it will become even more profitable. Given that the industry is growing and SoFi is outperforming its peers, there’s strong optimism that SoFi’s earnings per share will continue to rise.</p> <h2><b>Key Drivers of </b>SoFi’s <b>Stock Performance</b></h2> <figure><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/GettyImages-1159988314.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="2121" height="1414" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/GettyImages-1159988314.jpg"/><figcaption>Expanding its services and retaining customers.</figcaption></figure> <p><strong>Expansion Financial Services:</strong> SoFi’s ambition to become a one-stop shop for financial services will likely drive future growth. The company plans to continue expanding its product lineup, including new lending products, investment options, and insurance services, which will cater to a broader range of financial needs.</p> <p><strong>Bank Charter and Deposit Base Expansion:</strong> Obtaining a national banking charter allows SoFi to use its growing deposit base to fund lending operations more efficiently. This access to lower-cost funds is expected to drive net interest income growth, enhancing profitability as SoFi scales its banking operations.</p> <p><strong>Cross-Selling and Customer Retention:</strong> SoFi’s strategy of cross-selling its wide array of financial products aims to increase the average number of products per customer. This integrated approach is expected to improve customer retention and lifetime value, thereby boosting overall revenue and profitability.</p> <h2>One-Year Stock Price Prediction</h2> <figure><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/GettyImages-1289028960-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="2560" height="1707" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/GettyImages-1289028960-scaled.jpg"/><figcaption>Wall Street is cautious for now.</figcaption></figure> <p>The Wall Street consensus one-year price target for SoFi Technologies is $13.04, which would be a 23.1% gain from today’s stock price. However, of the 19 analysts covering the stock, only six of them recommend buying shares.</p> <p>24/7 Wall St. is even more cautious on the stock, with a $10 target price. Reaching that target would be a 6.4% retreat by the shares in the next year.</p> <h2>SoFi’s Share Price Estimates 2025-2030</h2> <p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="1600" height="900" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png"/></p> <table> <tbody> <tr> <td><strong>Year</strong></td> <td><strong>Est. Revenue ($B)</strong></td> <td><strong> Est. Net Income ($B)</strong></td> <td><strong> Est. EPS Normalized</strong></td> <td><strong>Price to Sales Multiple</strong></td> <td><strong>Est. Market Cap ($B)</strong></td> </tr> <tr> <td>2025</td> <td>$2.84</td> <td>$0.32</td> <td>$0.21</td> <td>3.5</td> <td>$9.94</td> </tr> <tr> <td>2026</td> <td>$3.45</td> <td>$0.584</td> <td>$0.43</td> <td>3.5</td> <td>$12.08</td> </tr> <tr> <td>2027</td> <td>$3.79</td> <td>$0.707</td> <td>$0.62</td> <td>3.5</td> <td>$13.27</td> </tr> <tr> <td>2028</td> <td>$4.33</td> <td>$0.902</td> <td>$0.83</td> <td>3.5</td> <td>$15.16</td> </tr> <tr> <td>2029</td> <td>$4.84</td> <td>$1.096</td> <td>$1.02</td> <td>3.5</td> <td>$16.94</td> </tr> <tr> <td>2030</td> <td>$5.34</td> <td>$1.279</td> <td>$1.10</td> <td>3.5</td> <td>$18.69</td> </tr> </tbody> </table> <p>24/7 Wall St. compared other fintech/lenders when deciding on our price-to-sales valuation of 3.5 times for the entire time frame of our analysis. Included in the analysis were Block Inc. (NYSE: XYZ), PayPal Holdings Inc. (NASDAQ: PYPL), Upstart Holdings Inc. (NASDAQ: UPST), LendingClub Corp. (NYSE: LC), and Affirm Holdings Inc. (NASDAQ: AFRM), which gives us a blending valuation of around 3.3x sales.</p> <p>By the end of the decade, we estimate SoFi’s stock price to be $17.56 per share with 10% year-over-year revenue growth. Our estimated stock price will be about 46% higher than the current stock price.</p> <table> <tbody> <tr> <td><strong>Year</strong></td> <td><strong>Price Target</strong></td> <td><strong>Change From Current Price</strong></td> </tr> <tr> <td>2025</td> <td>$10.00</td> <td>−6.4%</td> </tr> <tr> <td>2026</td> <td>$12.00</td> <td>12.4%</td> </tr> <tr> <td>2027</td> <td>$15.00</td> <td>40.5%</td> </tr> <tr> <td>2028</td> <td>$18.00</td> <td>68.5%</td> </tr> <tr> <td>2029</td> <td>$21.00</td> <td>96.6%</td> </tr> <tr> <td>2030</td> <td>$25.00</td> <td>134.1%</td> </tr> </tbody> </table> <p>Seven Financial Benefits Baby Boomers Got That We’ll Likely Never See Again</p>  <p>The post SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (April 18) appeared first on 24/7 Wall St..</p></div>

SOFI

<p>SoFi Technologies (NASDAQ: SOFI) has seen a 2.6% increase in shares over the past week, despite being down 28.7% year-to-date. Analysts have mixed views, with Morgan Stanley raising its price target from $7.50 to $13.00, while Needham increased it from $13.00 to $20.00. The company recently announced a $2 billion extension of its Loan Platform Business agreement and scheduled its annual shareholders meeting for May 28. SoFi aims to expand its financial services and improve profitability as it grows its deposit base and product offerings.</p>