<p><strong>SoFi Technologies</strong> <strong>(NASDAQ: SOFI)</strong> 的股票在周五上涨了 0.74%，但这不足以弥补本周的亏损，过去五个交易日内下跌了-0.40%，包括周四的急剧下跌-4.75%。</p>
<p>上周，该公司公布了强劲的第四季度财报，但对未来的指引有所保留，这让股东感到不安。这家金融科技公司宣布每股收益为 5 美分，超出分析师预期的 4 美分。但公司对年度每股收益 25 美分至 27 美分的预期让投资者失望，自公告以来，投资者一直在抛售该股票。</p>
<p>投资银行 William Blair &amp; Company 最近开始覆盖 SoFi，并给予 “买入” 评级，恰逢 SoFi 宣布从 PGIM 固定收益贷款计划中筹集了 5.25 亿美元。截至目前，SOFI 的股票上涨了 5.52%，在过去六个月内上涨了近 136%。</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" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>SoFi 于 2021 年 6 月 1 日通过与特殊目的收购公司（SPAC）Social Capital Hedsophia Holding Corp. V 的合并公开上市。在合并之前，该公司最初被称为 Social Finance，起初是一家学生贷款融资公司，后来扩展到贷款和抵押贷款等其他金融产品。</p>
<p>在 SPAC 收购后，SoFi 获得了大量资本，以增强其技术架构，更好地扩展其 2020 年收购的 Galileo。Galileo 平台旨在快速部署广泛的金融服务，使 SoFi 能够将多种金融产品推向大众市场。</p>
<p>SoFi 以每股 10 美元的价格首次公开募股，迅速上涨 150%，但自那以来股票表现平平。然而，投资者只关心从这一点开始发生的事情，特别是在接下来的 1 年、3 年和 5 年内。让我们来分析数据，给出我们对 SoFi 未来股价的最佳猜测。没有人能预测未来，即使华尔街的 “专家” 在预测未来股价时也常常出错。但我们提供我们的收入和盈利预测作为我们的对等估值。</p>
<h2><strong>本文的关键点：</strong></h2>
<ul>
<li>SoFi Technologies 是一个主要面向更富裕人群的在线金融解决方案平台。</li>
<li><strong>24/7 Wall Street</strong> 预计该股票在本十年末将有 19.21% 的上涨空间。</li>
<li>如果您在寻找具有巨大潜力的重大趋势，请务必获取我们免费的《下一个 NVIDIA》报告。该报告包括一个完整的 AI 投资行业地图，其中包含许多小型公司的信息。</li>
</ul>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry56-5wb.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry56-5wb.jpg"/></p>
<h2><strong>SoFi Financials 最近的股票记录</strong></h2>
<p>以下是 IPO 后股价、收入和利润（净收入）的表现总结表。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td></td>
<td>股价</td>
<td>收入</td>
<td>净收入</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>* 收入和净收入以百万计</p>
<p>在过去四年中，SoFi 的收入增长超过了一倍，但这一顶线增长也伴随着总运营成本的上升，特别是在 2023 年 720 百万美元的销售和营销费用。然而，运营成本的增加是值得的，因其用于内部技术改进和会员生成的市场营销支出。</p>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/SOFI_chart.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/SOFI_chart.png"/></p>
<p><strong>图表来源：YCharts</strong></p>
<p>SoFi 接近实现盈利的拐点，并在扩展收入和改善每股收益（EPS）方面表现出色。</p>
<p>随着 SoFi 的收入增长，其盈利能力也在提高，这意味着每位客户的成本在下降。这种可扩展性很重要，因为它表明随着公司的增长，盈利能力将进一步增强。鉴于行业在增长，而 SoFi 的表现优于同行，市场对 SoFi 的每股收益将继续上升持有强烈乐观态度。</p>
<h2><strong>SoFi 股票表现的关键驱动因素</strong></h2>
<ol>
<li><strong>扩展金融服务：</strong> SoFi 希望成为金融服务的一站式商店，这将推动未来的增长。该公司计划继续扩展其产品线，包括新的贷款产品、投资选项和保险服务，以满足更广泛的金融需求。</li>
<li><strong>银行特许经营和存款基础扩展：</strong> 获得国家银行特许经营使 SoFi 能够更有效地利用其不断增长的存款基础来资助贷款业务。这种获得低成本资金的机会预计将推动净利息收入的增长，增强盈利能力，随着 SoFi 扩展其银行业务而提升。</li>
<li><strong>交叉销售和客户保留：</strong> SoFi 的交叉销售策略旨在增加每位客户的平均产品数量。这种综合方法预计将改善客户保留和终身价值，从而提升整体收入和盈利能力。</li>
</ol>
<p><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" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/GettyImages-1289028960-scaled.jpg"/></p>
<h2>SoFi Technologies (SOFI) 股票 1 年价格预测</h2>
<p>华尔街对 SoFi Technologies 的共识一年价格目标为 14.73 美元，相较于当前股价下跌-10.40%。在覆盖该股票的 15 位分析师中，该股票的共识评级为 “持有”，评级为 2.88（1 为 “强烈买入”，5 为 “强烈卖出”）。</p>
<h2>SoFi 的股价预测 2025-2030</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>年份</td>
<td>预计收入（十亿美元）</td>
<td>预计净收入（十亿美元）</td>
<td>预计每股收益（标准化）</td>
<td>市销率</td>
<td>预计市值（十亿美元）</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><strong>24/7 Wall Street</strong> 在决定我们分析期间整体市销率为 3.5 倍时，比较了其他金融科技公司/贷款机构。分析中包括了 <strong>Block</strong>(NYSE:SQ)、<strong>PayPal</strong> (NASDAQ: PYPL)、<strong>Upstart Holdings</strong> (NASDAQ: UPST)、<strong>LendingClub</strong> (NYSE: LC) 和 <strong>Affirm</strong> (NASDAQ: AFRM)，这使我们的混合估值约为 3.3 倍销售额。</p>
<h2>SoFi Technologies 未来五年的发展预测</h2>
<p>我们预计今年收入增长 15.3%，每股收益为$0.21。我们预计股票明年仍将以类似的倍数交易，因此我们对 SoFi 的股票价格估计为 2025 年的$9.33，比今天的股票交易价格低 36.66%。</p>
<p>进入 2026 年，我们估计价格为$11.35，收入增长为 14.2%。每股收益为$0.43，这将代表在今天的股价$14.50 下的 22.95% 的损失。</p>
<p>进入 2027 年，我们预计股票价格的增长不会那么明显，预计每股收益为$0.62。该年的股票价格目标为$12.46。这比前一年增长 9.81%，但仍比今天的股价低 15.41%。</p>
<p>在预测三年以上时，我们预计 SoFi 将继续以 12% 的速度增长，并提高效率，每股收益为$0.83，预计股票价格为$14.23，较当前股价损失 3.39%。</p>
<p>我们预计 SoFi 将继续增长，每股收益为$1.02。以 15 倍的市盈率计算，2029 年的股票价格预计为$15.90，较今天的价格上涨 7.94%。</p>
<h2>SoFi Technologies 2030 年股票价格目标</h2>
<p>我们预计 SoFi 的股票价格为每股$17.56，年收入增长 10%。我们预计的股票价格将比当前股价$14.73 高出 19.21%。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>年份</td>
<td>价格目标</td>
<td>与当前价格的百分比变化</td>
</tr>
<tr>
<td>2025</td>
<td>$9.33</td>
<td>下跌 41.65%</td>
</tr>
<tr>
<td>2026</td>
<td>$11.35</td>
<td>下跌 29.02%</td>
</tr>
<tr>
<td>2027</td>
<td>$12.46</td>
<td>下跌 22.08%</td>
</tr>
<tr>
<td>2028</td>
<td>$14.23</td>
<td>下跌 11.01%</td>
</tr>
<tr>
<td>2029</td>
<td>$15.90</td>
<td>下跌 0.56%</td>
</tr>
<tr>
<td>2030</td>
<td>$17.56</td>
<td>上涨 9.823%</td>
</tr>
</tbody>
</table>
<p>本文关于 SoFi Technologies (SOFI) 的价格预测和 2025-2030 年的预测于 2 月 7 日首次发布在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（纳斯达克代码：SOFI）股票在周五上涨了 0.74%，但在一周内下跌了 0.40%，此前周四出现了 4.75% 的大幅下跌。该公司报告了强劲的第四季度财报，每股收益为 5 美分，超出预期，但谨慎的指引令投资者失望。今年迄今为止，股票上涨了 5.52%，在六个月内增长了近 136%。分析师预计，到本世纪末，该股票将有 19.21% 的上涨空间，主要受益于金融服务的扩展和国家银行特许经营的潜在好处</p>

<p>Shares of <strong>SoFi Technologies</strong> <strong>(NASDAQ: SOFI)</strong> gained 0.74% on Friday, which wasn’t enough to break even this week after falling by -0.40% over the past five trading sessions, including a sharp drop of -4.75% on Thursday.</p>
<div class="lb-trans"><p><strong>SoFi Technologies</strong> <strong>(NASDAQ: SOFI)</strong> 的股票在周五上涨了 0.74%，但这不足以弥补本周的亏损，过去五个交易日内下跌了-0.40%，包括周四的急剧下跌-4.75%。</p>
</div><p>Last week, the company announced strong Q4 earnings but tempered forward guidance, which rattled shareholders. The fintech company announced EPS of 5 cents, beating analysts’ estimates of 4 cents. But the company’s expectation of annual EPS of 25 cents to 27 cents disappointed investors, who have been selling off the stock since the announcement.</p>
<div class="lb-trans"><p>上周，该公司公布了强劲的第四季度财报，但对未来的指引有所保留，这让股东感到不安。这家金融科技公司宣布每股收益为 5 美分，超出分析师预期的 4 美分。但公司对年度每股收益 25 美分至 27 美分的预期让投资者失望，自公告以来，投资者一直在抛售该股票。</p>
</div><p>Investment bank William Blair &amp; Company recently initiated coverage of SoFi with a “Buy” rating around the same time SoFi announced that it raised $525 million from a loan program with PGIM Fixed Income. Year-to-date, shares of SOFI are up 5.52% and have risen nearly 136% over the past six months.</p>
<div class="lb-trans"><p>投资银行 William Blair &amp; Company 最近开始覆盖 SoFi，并给予 “买入” 评级，恰逢 SoFi 宣布从 PGIM 固定收益贷款计划中筹集了 5.25 亿美元。截至目前，SOFI 的股票上涨了 5.52%，在过去六个月内上涨了近 136%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<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.</p>
<div class="lb-trans"><p>SoFi 于 2021 年 6 月 1 日通过与特殊目的收购公司（SPAC）Social Capital Hedsophia Holding Corp. V 的合并公开上市。在合并之前，该公司最初被称为 Social Finance，起初是一家学生贷款融资公司，后来扩展到贷款和抵押贷款等其他金融产品。</p>
</div><p>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>
<div class="lb-trans"><p>在 SPAC 收购后，SoFi 获得了大量资本，以增强其技术架构，更好地扩展其 2020 年收购的 Galileo。Galileo 平台旨在快速部署广泛的金融服务，使 SoFi 能够将多种金融产品推向大众市场。</p>
</div><p>SoFi IPO’d at $10 per share and 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 next one, three and five years. Let’s crunch the numbers and give you our best guess on SoFi’s future share price. 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.</p>
<div class="lb-trans"><p>SoFi 以每股 10 美元的价格首次公开募股，迅速上涨 150%，但自那以来股票表现平平。然而，投资者只关心从这一点开始发生的事情，特别是在接下来的 1 年、3 年和 5 年内。让我们来分析数据，给出我们对 SoFi 未来股价的最佳猜测。没有人能预测未来，即使华尔街的 “专家” 在预测未来股价时也常常出错。但我们提供我们的收入和盈利预测作为我们的对等估值。</p>
</div><h2><strong>Key Points in this Article:</strong></h2>
<div class="lb-trans"><h2><strong>本文的关键点：</strong></h2>
</div><ul>
<li>SoFi Technologies is a premier online financial solutions platform targeting a more affluent demographic.</li>
<li><strong>24/7 Wall Street</strong> projects a 19.21% upside on the stock through the end of the decade.</li>
<li>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.</li>
</ul>
<div class="lb-trans"><ul>
<li>SoFi Technologies 是一个主要面向更富裕人群的在线金融解决方案平台。</li>
<li><strong>24/7 Wall Street</strong> 预计该股票在本十年末将有 19.21% 的上涨空间。</li>
<li>如果您在寻找具有巨大潜力的重大趋势，请务必获取我们免费的《下一个 NVIDIA》报告。该报告包括一个完整的 AI 投资行业地图，其中包含许多小型公司的信息。</li>
</ul>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry56-5wb.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/02/imageForEntry56-5wb.jpg"/></p>
<h2><strong>SoFi Financials’ Recent Stock Record</strong></h2>
<div class="lb-trans"><h2><strong>SoFi Financials 最近的股票记录</strong></h2>
</div><p>Here’s a table summarizing performance in share price, revenue, and profits (net income) from IPO.</p>
<div class="lb-trans"><p>以下是 IPO 后股价、收入和利润（净收入）的表现总结表。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td></td>
<td>Share Price</td>
<td>Revenue</td>
<td>Net Income</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>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td></td>
<td>股价</td>
<td>收入</td>
<td>净收入</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>
</div><p>*Revenue and Net Income in millions</p>
<div class="lb-trans"><p>* 收入和净收入以百万计</p>
</div><p>In the last 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>
<div class="lb-trans"><p>在过去四年中，SoFi 的收入增长超过了一倍，但这一顶线增长也伴随着总运营成本的上升，特别是在 2023 年 720 百万美元的销售和营销费用。然而，运营成本的增加是值得的，因其用于内部技术改进和会员生成的市场营销支出。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/SOFI_chart.png" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/08/SOFI_chart.png"/></p>
<p><strong>Chart Source: YCharts</strong></p>
<div class="lb-trans"><p><strong>图表来源：YCharts</strong></p>
</div><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>
<div class="lb-trans"><p>SoFi 接近实现盈利的拐点，并在扩展收入和改善每股收益（EPS）方面表现出色。</p>
</div><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>
<div class="lb-trans"><p>随着 SoFi 的收入增长，其盈利能力也在提高，这意味着每位客户的成本在下降。这种可扩展性很重要，因为它表明随着公司的增长，盈利能力将进一步增强。鉴于行业在增长，而 SoFi 的表现优于同行，市场对 SoFi 的每股收益将继续上升持有强烈乐观态度。</p>
</div><h2><strong>Key Drivers of SoFi’s Stock Performance</strong></h2>
<div class="lb-trans"><h2><strong>SoFi 股票表现的关键驱动因素</strong></h2>
</div><ol>
<li><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.</li>
<li><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.</li>
<li><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.</li>
</ol>
<div class="lb-trans"><ol>
<li><strong>扩展金融服务：</strong> SoFi 希望成为金融服务的一站式商店，这将推动未来的增长。该公司计划继续扩展其产品线，包括新的贷款产品、投资选项和保险服务，以满足更广泛的金融需求。</li>
<li><strong>银行特许经营和存款基础扩展：</strong> 获得国家银行特许经营使 SoFi 能够更有效地利用其不断增长的存款基础来资助贷款业务。这种获得低成本资金的机会预计将推动净利息收入的增长，增强盈利能力，随着 SoFi 扩展其银行业务而提升。</li>
<li><strong>交叉销售和客户保留：</strong> SoFi 的交叉销售策略旨在增加每位客户的平均产品数量。这种综合方法预计将改善客户保留和终身价值，从而提升整体收入和盈利能力。</li>
</ol>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/GettyImages-1289028960-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/03/GettyImages-1289028960-scaled.jpg"/></p>
<h2>SoFi Technologies (SOFI) Stock 1-Year Price Prediction</h2>
<div class="lb-trans"><h2>SoFi Technologies (SOFI) 股票 1 年价格预测</h2>
</div><p>The Wall Street consensus one-year price target for SoFi Technologies is $14.73, which is a -10.40% downside over its current stock price. Of the 15 analysts covering the stock, the stock is a consensus “Hold” with a 2.88 rating (1 being a “Strong Buy” and 5 a “Strong Sell”).</p>
<div class="lb-trans"><p>华尔街对 SoFi Technologies 的共识一年价格目标为 14.73 美元，相较于当前股价下跌-10.40%。在覆盖该股票的 15 位分析师中，该股票的共识评级为 “持有”，评级为 2.88（1 为 “强烈买入”，5 为 “强烈卖出”）。</p>
</div><h2>SoFi’s Share Price Estimates 2025-2030</h2>
<div class="lb-trans"><h2>SoFi 的股价预测 2025-2030</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>Year</td>
<td>Est. Revenue ($B)</td>
<td>Est. Net Income ($B)</td>
<td>Est. EPS Normalized</td>
<td>Price to Sales Multiple</td>
<td>Est. Market Cap ($B)</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>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>年份</td>
<td>预计收入（十亿美元）</td>
<td>预计净收入（十亿美元）</td>
<td>预计每股收益（标准化）</td>
<td>市销率</td>
<td>预计市值（十亿美元）</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>
</div><p><strong>24/7 Wall Street</strong> 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 <strong>Block</strong>(NYSE:SQ), <strong>PayPal</strong> (NASDAQ: PYPL), <strong>Upstart Holdings</strong> (NASDAQ: UPST), <strong>LendingClub</strong> (NYSE: LC), and <strong>Affirm</strong> (NASDAQ: AFRM) which gives us a blending valuation of around 3.3 times sales.</p>
<div class="lb-trans"><p><strong>24/7 Wall Street</strong> 在决定我们分析期间整体市销率为 3.5 倍时，比较了其他金融科技公司/贷款机构。分析中包括了 <strong>Block</strong>(NYSE:SQ)、<strong>PayPal</strong> (NASDAQ: PYPL)、<strong>Upstart Holdings</strong> (NASDAQ: UPST)、<strong>LendingClub</strong> (NYSE: LC) 和 <strong>Affirm</strong> (NASDAQ: AFRM)，这使我们的混合估值约为 3.3 倍销售额。</p>
</div><h2>How SoFi Technologies’ Next 5 Years Could Play Out</h2>
<div class="lb-trans"><h2>SoFi Technologies 未来五年的发展预测</h2>
</div><p>We expect to see revenue growth of 15.3% and EPS of $0.21 for the year. We expect the stock to still trade at a similar multiple next year, putting our estimate for the stock price for SoFi at $9.33 in 2025, which is -36.66% lower than the stock is trading today.</p>
<div class="lb-trans"><p>我们预计今年收入增长 15.3%，每股收益为$0.21。我们预计股票明年仍将以类似的倍数交易，因此我们对 SoFi 的股票价格估计为 2025 年的$9.33，比今天的股票交易价格低 36.66%。</p>
</div><p>Going into 2026, we estimate the price to be $11.35, with revenue growth coming in at 14.2% year-over-year. With an EPS of $0.43, this would represent a -22.95% loss under today’s share price of $14.50.</p>
<div class="lb-trans"><p>进入 2026 年，我们估计价格为$11.35，收入增长为 14.2%。每股收益为$0.43，这将代表在今天的股价$14.50 下的 22.95% 的损失。</p>
</div><p>Heading into 2027, we expect the stock price increase not to be as pronounced, with earnings estimates of $0.62 per share. The stock price target for the year is $12.46. That is a 9.81% increase from the previous year, but still down -15.41% from today’s stock price.</p>
<div class="lb-trans"><p>进入 2027 年，我们预计股票价格的增长不会那么明显，预计每股收益为$0.62。该年的股票价格目标为$12.46。这比前一年增长 9.81%，但仍比今天的股价低 15.41%。</p>
</div><p>When predicting more than three years out, we expect SoFi to remain growing its top line at 12% and be more efficient, with an EPS of $0.83 suggesting a stock price estimate at $14.23 or a loss of -3.39% under the current stock price.</p>
<div class="lb-trans"><p>在预测三年以上时，我们预计 SoFi 将继续以 12% 的速度增长，并提高效率，每股收益为$0.83，预计股票价格为$14.23，较当前股价损失 3.39%。</p>
</div><p>We expect SoFi to continue its growth and generate $1.02 per share of earnings. With a price-to-earnings multiple of 15, the stock price in 2029 is estimated at $15.90, or a gain of 7.94% over today’s price.</p>
<div class="lb-trans"><p>我们预计 SoFi 将继续增长，每股收益为$1.02。以 15 倍的市盈率计算，2029 年的股票价格预计为$15.90，较今天的价格上涨 7.94%。</p>
</div><h2>SoFi Technologies Stock Price Target for 2030</h2>
<div class="lb-trans"><h2>SoFi Technologies 2030 年股票价格目标</h2>
</div><p>We estimate SoFi’s stock price to be $17.56 per share with a 10% year-over-year revenue growth. Our estimated stock price will be 19.21% higher than the current stock price of $14.73.</p>
<div class="lb-trans"><p>我们预计 SoFi 的股票价格为每股$17.56，年收入增长 10%。我们预计的股票价格将比当前股价$14.73 高出 19.21%。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>Year</td>
<td>Price Target</td>
<td>% Change From Current Price</td>
</tr>
<tr>
<td>2025</td>
<td>$9.33</td>
<td>Upside of -41.65%</td>
</tr>
<tr>
<td>2026</td>
<td>$11.35</td>
<td>Upside of -29.02%</td>
</tr>
<tr>
<td>2027</td>
<td>$12.46</td>
<td>Upside of -22.08%</td>
</tr>
<tr>
<td>2028</td>
<td>$14.23</td>
<td>Upside of -11.01%</td>
</tr>
<tr>
<td>2029</td>
<td>$15.90</td>
<td>Upside of -0.56%</td>
</tr>
<tr>
<td>2030</td>
<td>$17.56</td>
<td>Upside of 9.823%</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>年份</td>
<td>价格目标</td>
<td>与当前价格的百分比变化</td>
</tr>
<tr>
<td>2025</td>
<td>$9.33</td>
<td>下跌 41.65%</td>
</tr>
<tr>
<td>2026</td>
<td>$11.35</td>
<td>下跌 29.02%</td>
</tr>
<tr>
<td>2027</td>
<td>$12.46</td>
<td>下跌 22.08%</td>
</tr>
<tr>
<td>2028</td>
<td>$14.23</td>
<td>下跌 11.01%</td>
</tr>
<tr>
<td>2029</td>
<td>$15.90</td>
<td>下跌 0.56%</td>
</tr>
<tr>
<td>2030</td>
<td>$17.56</td>
<td>上涨 9.823%</td>
</tr>
</tbody>
</table>
</div><p>The post SoFi Technologies (SOFI) Price Prediction and Forecast 2025-2030 for February 7 appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>本文关于 SoFi Technologies (SOFI) 的价格预测和 2025-2030 年的预测于 2 月 7 日首次发布在 24/7 Wall St.。</p>
</div>

SoFi Technologies (SOFI) 2025-2030 年价格预测和展望（截至 2 月 7 日）