<p>尽管受到关税驱动的市场波动影响，SoFi Technologies Inc.（纳斯达克：SOFI）的股价在过去一周上涨了 2.6%。尽管该股票在 2025 年开局强劲，但截至最后一次查看，股价仍较年初下跌了 28.7%。然而，其一年涨幅为 53.3%。</p>
<p>对经济衰退的担忧对像 SoFi 这样的金融科技股票产生了影响。尽管吉姆·克莱默最近一直在推介该股票，但凯西·伍德却出售了价值数百万美元的股份。摩根士丹利最近将该股票的目标价从 7.50 美元上调至 13.00 美元，并称该公司 “低配”，而 Needham 则将 SoFi 的目标价从 13.00 美元上调至 20.00 美元，并给予其买入评级。该公司报告了强劲的第四季度收益，但对未来的指引有所保留。</p>
<p>SoFi 刚刚宣布与由 Fortress Investment Group 的关联公司管理的资金达成 20 亿美元的个人贷款平台业务协议的延长。该公司已安排于 5 月 28 日召开年度股东大会。</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>
<ul>
<li>SoFi Technologies 是一个针对更富裕人群的顶级在线金融解决方案平台。</li>
</ul>
<ul>
<li>其成为金融服务一站式商店的雄心以及不断增长的存款基础可能会推动未来的增长。</li>
</ul>
<ul>
<li>24/7 Wall St.预计该股票在本十年末将有健康的上涨空间。</li>
</ul>
<ul>
<li>如果您正在寻找具有巨大潜力的重大趋势，请确保获取我们免费的《下一个 NVIDIA》报告。该报告包括一个完整的 AI 投资行业地图，其中包含许多小型股票。</li>
</ul>
<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、抵押贷款产品等其他金融产品。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 美元的价格上市，股价迅速上涨 150%，但自那以来表现平平。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，并给出我们对 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错误多于正确。但我们将提供我们的收入和收益预测作为我们的对等估值。</p>
<h2>SoFi 的 <strong>近期表现</strong></h2>
<p>以下是从 IPO 以来股价、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><strong>年份</strong></td>
<td><strong>股价</strong></td>
<td><strong>收入 *</strong></td>
<td><strong>净收入 *</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>* 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 万美元的销售和营销费用。然而，运营成本的增加是值得的，因为这笔资金用于内部技术改进和会员生成的市场营销支出。</p>
<p></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 收入的增长，其盈利能力也在提升，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增长，盈利能力将进一步增强。鉴于行业正在增长，而 SoFi 的表现优于同行，市场对 SoFi 每股收益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>
<p><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" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/GettyImages-1159988314.jpg"/></p>
<p>扩展服务和留住客户。</p>
<p><strong>扩展金融服务：</strong> SoFi 成为金融服务一站式商店的雄心将可能推动未来的增长。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。</p>
<p><strong>银行特许和存款基础扩展：</strong> 获得国家银行特许将使 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。</p>
<p><strong>交叉销售和客户留存：</strong> SoFi 的交叉销售广泛金融产品的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留存率和终身价值，从而提升整体收入和盈利能力。</p>
<h2>一年股价预测</h2>
<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>
<p>华尔街目前持谨慎态度。</p>
<p>华尔街对 SoFi Technologies 的一年价格目标共识为 13.04 美元，这将比今天的股价上涨 23.1%。然而，在覆盖该股票的 19 位分析师中，只有 6 位推荐购买该股票。</p>
<p>24/7 Wall St.对该股票的看法更加谨慎，目标价为 10 美元。达到该目标将意味着该股在未来一年内下跌 6.4%。</p>
<h2>SoFi 的股价预测 2025-2030</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/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/2025/04/SOFI_chart.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>预计收入（十亿美元）</strong></td>
<td><strong>预计净收入（十亿美元）</strong></td>
<td><strong>预计每股收益（标准化）</strong></td>
<td><strong>市销率</strong></td>
<td><strong>预计市值（十亿美元）</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. 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 Block Inc. (NYSE: XYZ)、PayPal Holdings Inc. (NASDAQ: PYPL)、Upstart Holdings Inc. (NASDAQ: UPST)、LendingClub Corp. (NYSE: LC) 和 Affirm Holdings Inc. (NASDAQ: AFRM)，这使我们得到了大约 3.3 倍销售额的综合估值。</p>
<p>到本十年末，我们预计 SoFi 的股价将达到每股 17.56 美元，年收入增长率为 10%。我们估计的股价将比当前股价高出约 46%。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>目标价格</strong></td>
<td><strong>与当前价格的变化</strong></td>
</tr>
<tr>
<td>2025</td>
<td>10.00 美元</td>
<td>−6.4%</td>
</tr>
<tr>
<td>2026</td>
<td>12.00 美元</td>
<td>12.4%</td>
</tr>
<tr>
<td>2027</td>
<td>15.00 美元</td>
<td>40.5%</td>
</tr>
<tr>
<td>2028</td>
<td>18.00 美元</td>
<td>68.5%</td>
</tr>
<tr>
<td>2029</td>
<td>21.00 美元</td>
<td>96.6%</td>
</tr>
<tr>
<td>2030</td>
<td>25.00 美元</td>
<td>134.1%</td>
</tr>
</tbody>
</table>
<p>婴儿潮一代获得的七大财务福利，我们可能再也无法见到。</p>
<p>这篇关于 SoFi Technologies (NASDAQ: SOFI) 的价格预测和 2025-2030 年的预测（4 月 18 日）最初发布在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（纳斯达克代码：SOFI）在过去一周股价上涨了 2.6%，尽管年初至今下跌了 28.7%。分析师们的看法不一，摩根士丹利将其目标价从 7.50 美元上调至 13.00 美元，而 Needham 则将目标价从 13.00 美元上调至 20.00 美元。该公司最近宣布将其贷款平台业务协议延长 20 亿美元，并将年度股东大会定于 5 月 28 日举行。SoFi 旨在扩大其金融服务并提高盈利能力，同时增加存款基础和产品种类</p>

<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>
<div class="lb-trans"><p>尽管受到关税驱动的市场波动影响，SoFi Technologies Inc.（纳斯达克：SOFI）的股价在过去一周上涨了 2.6%。尽管该股票在 2025 年开局强劲，但截至最后一次查看，股价仍较年初下跌了 28.7%。然而，其一年涨幅为 53.3%。</p>
</div><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>
<div class="lb-trans"><p>对经济衰退的担忧对像 SoFi 这样的金融科技股票产生了影响。尽管吉姆·克莱默最近一直在推介该股票，但凯西·伍德却出售了价值数百万美元的股份。摩根士丹利最近将该股票的目标价从 7.50 美元上调至 13.00 美元，并称该公司 “低配”，而 Needham 则将 SoFi 的目标价从 13.00 美元上调至 20.00 美元，并给予其买入评级。该公司报告了强劲的第四季度收益，但对未来的指引有所保留。</p>
</div><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>
<div class="lb-trans"><p>SoFi 刚刚宣布与由 Fortress Investment Group 的关联公司管理的资金达成 20 亿美元的个人贷款平台业务协议的延长。该公司已安排于 5 月 28 日召开年度股东大会。</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>
<ul>
<li>SoFi Technologies is a premier online financial solutions platform targeting a more affluent demographic.</li>
</ul>
<div class="lb-trans"><ul>
<li>SoFi Technologies 是一个针对更富裕人群的顶级在线金融解决方案平台。</li>
</ul>
</div><ul>
<li>Its ambition to become a one-stop shop for financial services and its growing deposit base will likely drive future growth.</li>
</ul>
<div class="lb-trans"><ul>
<li>其成为金融服务一站式商店的雄心以及不断增长的存款基础可能会推动未来的增长。</li>
</ul>
</div><ul>
<li>24/7 Wall St. projects a healthy upside for the stock through the end of the decade.</li>
</ul>
<div class="lb-trans"><ul>
<li>24/7 Wall St.预计该股票在本十年末将有健康的上涨空间。</li>
</ul>
</div><ul>
<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>如果您正在寻找具有巨大潜力的重大趋势，请确保获取我们免费的《下一个 NVIDIA》报告。该报告包括一个完整的 AI 投资行业地图，其中包含许多小型股票。</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>
<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、抵押贷款产品等其他金融产品。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 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 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 美元的价格上市，股价迅速上涨 150%，但自那以来表现平平。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，并给出我们对 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错误多于正确。但我们将提供我们的收入和收益预测作为我们的对等估值。</p>
</div><h2>SoFi’s <strong>Recent Performance</strong></h2>
<div class="lb-trans"><h2>SoFi 的 <strong>近期表现</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>以下是从 IPO 以来股价、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><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>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>股价</strong></td>
<td><strong>收入 *</strong></td>
<td><strong>净收入 *</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>
</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 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>
<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 万美元的销售和营销费用。然而，运营成本的增加是值得的，因为这笔资金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 收入的增长，其盈利能力也在提升，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增长，盈利能力将进一步增强。鉴于行业正在增长，而 SoFi 的表现优于同行，市场对 SoFi 每股收益继续上升持有强烈乐观态度。</p>
</div><h2><strong>Key Drivers of</strong> SoFi’s <strong>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><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/GettyImages-1159988314.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/08/GettyImages-1159988314.jpg"/></p>
<p>Expanding its services and retaining customers.</p>
<div class="lb-trans"><p>扩展服务和留住客户。</p>
</div><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>
<div class="lb-trans"><p><strong>扩展金融服务：</strong> SoFi 成为金融服务一站式商店的雄心将可能推动未来的增长。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。</p>
</div><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>
<div class="lb-trans"><p><strong>银行特许和存款基础扩展：</strong> 获得国家银行特许将使 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。</p>
</div><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>
<div class="lb-trans"><p><strong>交叉销售和客户留存：</strong> SoFi 的交叉销售广泛金融产品的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留存率和终身价值，从而提升整体收入和盈利能力。</p>
</div><h2>One-Year Stock Price Prediction</h2>
<div class="lb-trans"><h2>一年股价预测</h2>
</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>
<p>Wall Street is cautious for now.</p>
<div class="lb-trans"><p>华尔街目前持谨慎态度。</p>
</div><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>
<div class="lb-trans"><p>华尔街对 SoFi Technologies 的一年价格目标共识为 13.04 美元，这将比今天的股价上涨 23.1%。然而，在覆盖该股票的 19 位分析师中，只有 6 位推荐购买该股票。</p>
</div><p>24/7 Wall St. is even more cautious on the stock, with a $10 target price. Reaching that target would be a 6.4% retreat by the shares in the next year.</p>
<div class="lb-trans"><p>24/7 Wall St.对该股票的看法更加谨慎，目标价为 10 美元。达到该目标将意味着该股在未来一年内下跌 6.4%。</p>
</div><h2>SoFi’s Share Price Estimates 2025-2030</h2>
<div class="lb-trans"><h2>SoFi 的股价预测 2025-2030</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Year</strong></td>
<td><strong>Est. Revenue ($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>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>预计收入（十亿美元）</strong></td>
<td><strong>预计净收入（十亿美元）</strong></td>
<td><strong>预计每股收益（标准化）</strong></td>
<td><strong>市销率</strong></td>
<td><strong>预计市值（十亿美元）</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>
</div><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>
<div class="lb-trans"><p>24/7 Wall St. 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 Block Inc. (NYSE: XYZ)、PayPal Holdings Inc. (NASDAQ: PYPL)、Upstart Holdings Inc. (NASDAQ: UPST)、LendingClub Corp. (NYSE: LC) 和 Affirm Holdings Inc. (NASDAQ: AFRM)，这使我们得到了大约 3.3 倍销售额的综合估值。</p>
</div><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>
<div class="lb-trans"><p>到本十年末，我们预计 SoFi 的股价将达到每股 17.56 美元，年收入增长率为 10%。我们估计的股价将比当前股价高出约 46%。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<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>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>目标价格</strong></td>
<td><strong>与当前价格的变化</strong></td>
</tr>
<tr>
<td>2025</td>
<td>10.00 美元</td>
<td>−6.4%</td>
</tr>
<tr>
<td>2026</td>
<td>12.00 美元</td>
<td>12.4%</td>
</tr>
<tr>
<td>2027</td>
<td>15.00 美元</td>
<td>40.5%</td>
</tr>
<tr>
<td>2028</td>
<td>18.00 美元</td>
<td>68.5%</td>
</tr>
<tr>
<td>2029</td>
<td>21.00 美元</td>
<td>96.6%</td>
</tr>
<tr>
<td>2030</td>
<td>25.00 美元</td>
<td>134.1%</td>
</tr>
</tbody>
</table>
</div><p>Seven Financial Benefits Baby Boomers Got That We’ll Likely Never See Again</p>
<div class="lb-trans"><p>婴儿潮一代获得的七大财务福利，我们可能再也无法见到。</p>
</div><p>The post SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (April 18) appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇关于 SoFi Technologies (NASDAQ: SOFI) 的价格预测和 2025-2030 年的预测（4 月 18 日）最初发布在 24/7 Wall St.。</p>
</div>

SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (April 18)

SoFi Technologies（纳斯达克股票代码：SOFI）2025-2030 年价格预测与展望（4 月 18 日）