<p><strong>SoFi Technologies</strong> <strong>(NASDAQ: SOFI)</strong> 的股票在週五上漲了 0.74%，但這不足以彌補本週的虧損，過去五個交易日內下跌了-0.40%，包括週四的急劇下跌-4.75%。</p>
<p>上週，該公司公佈了強勁的第四季度財報，但對未來的指引有所保留，這讓股東感到不安。這家金融科技公司宣佈每股收益為 5 美分，超出分析師預期的 4 美分。但公司對年度每股收益 25 美分至 27 美分的預期讓投資者失望，自公告以來，投資者一直在拋售該股票。</p>
<p>投資銀行 William Blair &amp; Company 最近開始覆蓋 SoFi，並給予 “買入” 評級，恰逢 SoFi 宣佈從 PGIM 固定收益貸款計劃中籌集了 5.25 億美元。截至目前，SOFI 的股票上漲了 5.52%，在過去六個月內上漲了近 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 於 2021 年 6 月 1 日通過與特殊目的收購公司（SPAC）Social Capital Hedsophia Holding Corp. V 的合併公開上市。在合併之前，該公司最初被稱為 Social Finance，起初是一家學生貸款融資公司，後來擴展到貸款和抵押貸款等其他金融產品。</p>
<p>在 SPAC 收購後，SoFi 獲得了大量資本，以增強其技術架構，更好地擴展其 2020 年收購的 Galileo。Galileo 平台旨在快速部署廣泛的金融服務，使 SoFi 能夠將多種金融產品推向大眾市場。</p>
<p>SoFi 以每股 10 美元的價格首次公開募股，迅速上漲 150%，但自那以來股票表現平平。然而，投資者只關心從這一點開始發生的事情，特別是在接下來的 1 年、3 年和 5 年內。讓我們來分析數據，給出我們對 SoFi 未來股價的最佳猜測。沒有人能預測未來，即使華爾街的 “專家” 在預測未來股價時也常常出錯。但我們提供我們的收入和盈利預測作為我們的對等估值。</p>
<h2><strong>本文的關鍵點：</strong></h2>
<ul>
<li>SoFi Technologies 是一個主要面向更富裕人羣的在線金融解決方案平台。</li>
<li><strong>24/7 Wall Street</strong> 預計該股票在本十年末將有 19.21% 的上漲空間。</li>
<li>如果您在尋找具有巨大潛力的重大趨勢，請務必獲取我們免費的《下一個 NVIDIA》報告。該報告包括一個完整的 AI 投資行業地圖，其中包含許多小型公司的信息。</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 最近的股票記錄</strong></h2>
<p>以下是 IPO 後股價、收入和利潤（淨收入）的表現總結表。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td></td>
<td>股價</td>
<td>收入</td>
<td>淨收入</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>* 收入和淨收入以百萬計</p>
<p>在過去四年中，SoFi 的收入增長超過了一倍，但這一頂線增長也伴隨着總運營成本的上升，特別是在 2023 年 720 百萬美元的銷售和營銷費用。然而，運營成本的增加是值得的，因其用於內部技術改進和會員生成的市場營銷支出。</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>圖表來源：YCharts</strong></p>
<p>SoFi 接近實現盈利的拐點，並在擴展收入和改善每股收益（EPS）方面表現出色。</p>
<p>隨着 SoFi 的收入增長，其盈利能力也在提高，這意味着每位客户的成本在下降。這種可擴展性很重要，因為它表明隨着公司的增長，盈利能力將進一步增強。鑑於行業在增長，而 SoFi 的表現優於同行，市場對 SoFi 的每股收益將繼續上升持有強烈樂觀態度。</p>
<h2><strong>SoFi 股票表現的關鍵驅動因素</strong></h2>
<ol>
<li><strong>擴展金融服務：</strong> SoFi 希望成為金融服務的一站式商店，這將推動未來的增長。該公司計劃繼續擴展其產品線，包括新的貸款產品、投資選項和保險服務，以滿足更廣泛的金融需求。</li>
<li><strong>銀行特許經營和存款基礎擴展：</strong> 獲得國家銀行特許經營使 SoFi 能夠更有效地利用其不斷增長的存款基礎來資助貸款業務。這種獲得低成本資金的機會預計將推動淨利息收入的增長，增強盈利能力，隨着 SoFi 擴展其銀行業務而提升。</li>
<li><strong>交叉銷售和客户保留：</strong> SoFi 的交叉銷售策略旨在增加每位客户的平均產品數量。這種綜合方法預計將改善客户保留和終身價值，從而提升整體收入和盈利能力。</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 年價格預測</h2>
<p>華爾街對 SoFi Technologies 的共識一年價格目標為 14.73 美元，相較於當前股價下跌-10.40%。在覆蓋該股票的 15 位分析師中，該股票的共識評級為 “持有”，評級為 2.88（1 為 “強烈買入”，5 為 “強烈賣出”）。</p>
<h2>SoFi 的股價預測 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>預計收入（十億美元）</td>
<td>預計淨收入（十億美元）</td>
<td>預計每股收益（標準化）</td>
<td>市銷率</td>
<td>預計市值（十億美元）</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> 在決定我們分析期間整體市銷率為 3.5 倍時，比較了其他金融科技公司/貸款機構。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)，這使我們的混合估值約為 3.3 倍銷售額。</p>
<h2>SoFi Technologies 未來五年的發展預測</h2>
<p>我們預計今年收入增長 15.3%，每股收益為$0.21。我們預計股票明年仍將以類似的倍數交易，因此我們對 SoFi 的股票價格估計為 2025 年的$9.33，比今天的股票交易價格低 36.66%。</p>
<p>進入 2026 年，我們估計價格為$11.35，收入增長為 14.2%。每股收益為$0.43，這將代表在今天的股價$14.50 下的 22.95% 的損失。</p>
<p>進入 2027 年，我們預計股票價格的增長不會那麼明顯，預計每股收益為$0.62。該年的股票價格目標為$12.46。這比前一年增長 9.81%，但仍比今天的股價低 15.41%。</p>
<p>在預測三年以上時，我們預計 SoFi 將繼續以 12% 的速度增長，並提高效率，每股收益為$0.83，預計股票價格為$14.23，較當前股價損失 3.39%。</p>
<p>我們預計 SoFi 將繼續增長，每股收益為$1.02。以 15 倍的市盈率計算，2029 年的股票價格預計為$15.90，較今天的價格上漲 7.94%。</p>
<h2>SoFi Technologies 2030 年股票價格目標</h2>
<p>我們預計 SoFi 的股票價格為每股$17.56，年收入增長 10%。我們預計的股票價格將比當前股價$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>價格目標</td>
<td>與當前價格的百分比變化</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>上漲 9.823%</td>
</tr>
</tbody>
</table>
<p>本文關於 SoFi Technologies (SOFI) 的價格預測和 2025-2030 年的預測於 2 月 7 日首次發佈在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（納斯達克代碼：SOFI）股票在週五上漲了 0.74%，但在一週內下跌了 0.40%，此前週四出現了 4.75% 的大幅下跌。該公司報告了強勁的第四季度財報，每股收益為 5 美分，超出預期，但謹慎的指引令投資者失望。今年迄今為止，股票上漲了 5.52%，在六個月內增長了近 136%。分析師預計，到本世紀末，該股票將有 19.21% 的上漲空間，主要受益於金融服務的擴展和國家銀行特許經營的潛在好處</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> 的股票在週五上漲了 0.74%，但這不足以彌補本週的虧損，過去五個交易日內下跌了-0.40%，包括週四的急劇下跌-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>上週，該公司公佈了強勁的第四季度財報，但對未來的指引有所保留，這讓股東感到不安。這家金融科技公司宣佈每股收益為 5 美分，超出分析師預期的 4 美分。但公司對年度每股收益 25 美分至 27 美分的預期讓投資者失望，自公告以來，投資者一直在拋售該股票。</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>投資銀行 William Blair &amp; Company 最近開始覆蓋 SoFi，並給予 “買入” 評級，恰逢 SoFi 宣佈從 PGIM 固定收益貸款計劃中籌集了 5.25 億美元。截至目前，SOFI 的股票上漲了 5.52%，在過去六個月內上漲了近 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 於 2021 年 6 月 1 日通過與特殊目的收購公司（SPAC）Social Capital Hedsophia Holding Corp. V 的合併公開上市。在合併之前，該公司最初被稱為 Social Finance，起初是一家學生貸款融資公司，後來擴展到貸款和抵押貸款等其他金融產品。</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 收購後，SoFi 獲得了大量資本，以增強其技術架構，更好地擴展其 2020 年收購的 Galileo。Galileo 平台旨在快速部署廣泛的金融服務，使 SoFi 能夠將多種金融產品推向大眾市場。</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 美元的價格首次公開募股，迅速上漲 150%，但自那以來股票表現平平。然而，投資者只關心從這一點開始發生的事情，特別是在接下來的 1 年、3 年和 5 年內。讓我們來分析數據，給出我們對 SoFi 未來股價的最佳猜測。沒有人能預測未來，即使華爾街的 “專家” 在預測未來股價時也常常出錯。但我們提供我們的收入和盈利預測作為我們的對等估值。</p>
</div><h2><strong>Key Points in this Article:</strong></h2>
<div class="lb-trans"><h2><strong>本文的關鍵點：</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 是一個主要面向更富裕人羣的在線金融解決方案平台。</li>
<li><strong>24/7 Wall Street</strong> 預計該股票在本十年末將有 19.21% 的上漲空間。</li>
<li>如果您在尋找具有巨大潛力的重大趨勢，請務必獲取我們免費的《下一個 NVIDIA》報告。該報告包括一個完整的 AI 投資行業地圖，其中包含許多小型公司的信息。</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 最近的股票記錄</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 後股價、收入和利潤（淨收入）的表現總結表。</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>股價</td>
<td>收入</td>
<td>淨收入</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>* 收入和淨收入以百萬計</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>在過去四年中，SoFi 的收入增長超過了一倍，但這一頂線增長也伴隨着總運營成本的上升，特別是在 2023 年 720 百萬美元的銷售和營銷費用。然而，運營成本的增加是值得的，因其用於內部技術改進和會員生成的市場營銷支出。</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>圖表來源：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 接近實現盈利的拐點，並在擴展收入和改善每股收益（EPS）方面表現出色。</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>隨着 SoFi 的收入增長，其盈利能力也在提高，這意味着每位客户的成本在下降。這種可擴展性很重要，因為它表明隨着公司的增長，盈利能力將進一步增強。鑑於行業在增長，而 SoFi 的表現優於同行，市場對 SoFi 的每股收益將繼續上升持有強烈樂觀態度。</p>
</div><h2><strong>Key Drivers of SoFi’s Stock Performance</strong></h2>
<div class="lb-trans"><h2><strong>SoFi 股票表現的關鍵驅動因素</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>擴展金融服務：</strong> SoFi 希望成為金融服務的一站式商店，這將推動未來的增長。該公司計劃繼續擴展其產品線，包括新的貸款產品、投資選項和保險服務，以滿足更廣泛的金融需求。</li>
<li><strong>銀行特許經營和存款基礎擴展：</strong> 獲得國家銀行特許經營使 SoFi 能夠更有效地利用其不斷增長的存款基礎來資助貸款業務。這種獲得低成本資金的機會預計將推動淨利息收入的增長，增強盈利能力，隨着 SoFi 擴展其銀行業務而提升。</li>
<li><strong>交叉銷售和客户保留：</strong> SoFi 的交叉銷售策略旨在增加每位客户的平均產品數量。這種綜合方法預計將改善客户保留和終身價值，從而提升整體收入和盈利能力。</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 年價格預測</h2>
</div><p>The Wall Street consensus one-year price target for SoFi Technologies is $14.73, which is a -10.40% downside over its current stock price. Of the 15 analysts covering the stock, the stock is a consensus “Hold” with a 2.88 rating (1 being a “Strong Buy” and 5 a “Strong Sell”).</p>
<div class="lb-trans"><p>華爾街對 SoFi Technologies 的共識一年價格目標為 14.73 美元，相較於當前股價下跌-10.40%。在覆蓋該股票的 15 位分析師中，該股票的共識評級為 “持有”，評級為 2.88（1 為 “強烈買入”，5 為 “強烈賣出”）。</p>
</div><h2>SoFi’s Share Price Estimates 2025-2030</h2>
<div class="lb-trans"><h2>SoFi 的股價預測 2025-2030</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/SOFI-Price-Target-Chart-1-200x113.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>Year</td>
<td>Est. Revenue ($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>預計收入（十億美元）</td>
<td>預計淨收入（十億美元）</td>
<td>預計每股收益（標準化）</td>
<td>市銷率</td>
<td>預計市值（十億美元）</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> 在決定我們分析期間整體市銷率為 3.5 倍時，比較了其他金融科技公司/貸款機構。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)，這使我們的混合估值約為 3.3 倍銷售額。</p>
</div><h2>How SoFi Technologies’ Next 5 Years Could Play Out</h2>
<div class="lb-trans"><h2>SoFi Technologies 未來五年的發展預測</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>我們預計今年收入增長 15.3%，每股收益為$0.21。我們預計股票明年仍將以類似的倍數交易，因此我們對 SoFi 的股票價格估計為 2025 年的$9.33，比今天的股票交易價格低 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>進入 2026 年，我們估計價格為$11.35，收入增長為 14.2%。每股收益為$0.43，這將代表在今天的股價$14.50 下的 22.95% 的損失。</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>進入 2027 年，我們預計股票價格的增長不會那麼明顯，預計每股收益為$0.62。該年的股票價格目標為$12.46。這比前一年增長 9.81%，但仍比今天的股價低 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>在預測三年以上時，我們預計 SoFi 將繼續以 12% 的速度增長，並提高效率，每股收益為$0.83，預計股票價格為$14.23，較當前股價損失 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>我們預計 SoFi 將繼續增長，每股收益為$1.02。以 15 倍的市盈率計算，2029 年的股票價格預計為$15.90，較今天的價格上漲 7.94%。</p>
</div><h2>SoFi Technologies Stock Price Target for 2030</h2>
<div class="lb-trans"><h2>SoFi Technologies 2030 年股票價格目標</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>我們預計 SoFi 的股票價格為每股$17.56，年收入增長 10%。我們預計的股票價格將比當前股價$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>價格目標</td>
<td>與當前價格的百分比變化</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>上漲 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>本文關於 SoFi Technologies (SOFI) 的價格預測和 2025-2030 年的預測於 2 月 7 日首次發佈在 24/7 Wall St.。</p>
</div>

SoFi Technologies (SOFI) 2025-2030 年價格預測和展望（截至 2 月 7 日）