<p>儘管受到關税驅動的市場波動影響，SoFi Technologies Inc.（納斯達克：SOFI）的股價在過去一週上漲了 2.6%。儘管該股票在 2025 年開局強勁，但截至最後一次查看，股價仍較年初下跌了 28.7%。然而，其一年漲幅為 53.3%。</p>
<p>對經濟衰退的擔憂對像 SoFi 這樣的金融科技股票產生了影響。儘管吉姆·克萊默最近一直在推介該股票，但凱西·伍德卻出售了價值數百萬美元的股份。摩根士丹利最近將該股票的目標價從 7.50 美元上調至 13.00 美元，並稱該公司 “低配”，而 Needham 則將 SoFi 的目標價從 13.00 美元上調至 20.00 美元，並給予其買入評級。該公司報告了強勁的第四季度收益，但對未來的指引有所保留。</p>
<p>SoFi 剛剛宣佈與由 Fortress Investment Group 的關聯公司管理的資金達成 20 億美元的個人貸款平台業務協議的延長。該公司已安排於 5 月 28 日召開年度股東大會。</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 是一個針對更富裕人羣的頂級在線金融解決方案平台。</li>
</ul>
<ul>
<li>其成為金融服務一站式商店的雄心以及不斷增長的存款基礎可能會推動未來的增長。</li>
</ul>
<ul>
<li>24/7 Wall St.預計該股票在本十年末將有健康的上漲空間。</li>
</ul>
<ul>
<li>如果您正在尋找具有巨大潛力的重大趨勢，請確保獲取我們免費的《下一個 NVIDIA》報告。該報告包括一個完整的 AI 投資行業地圖，其中包含許多小型股票。</li>
</ul>
<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、抵押貸款產品等其他金融產品。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 美元的價格上市，股價迅速上漲 150%，但自那以來表現平平。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，並給出我們對 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錯誤多於正確。但我們將提供我們的收入和收益預測作為我們的對等估值。</p>
<h2>SoFi 的 <strong>近期表現</strong></h2>
<p>以下是從 IPO 以來股價、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><strong>年份</strong></td>
<td><strong>股價</strong></td>
<td><strong>收入 *</strong></td>
<td><strong>淨收入 *</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 萬美元的銷售和營銷費用。然而，運營成本的增加是值得的，因為這筆資金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 收入的增長，其盈利能力也在提升，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增長，盈利能力將進一步增強。鑑於行業正在增長，而 SoFi 的表現優於同行，市場對 SoFi 每股收益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>
<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>擴展服務和留住客户。</p>
<p><strong>擴展金融服務：</strong> SoFi 成為金融服務一站式商店的雄心將可能推動未來的增長。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。</p>
<p><strong>銀行特許和存款基礎擴展：</strong> 獲得國家銀行特許將使 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。</p>
<p><strong>交叉銷售和客户留存：</strong> SoFi 的交叉銷售廣泛金融產品的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留存率和終身價值，從而提升整體收入和盈利能力。</p>
<h2>一年股價預測</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>華爾街目前持謹慎態度。</p>
<p>華爾街對 SoFi Technologies 的一年價格目標共識為 13.04 美元，這將比今天的股價上漲 23.1%。然而，在覆蓋該股票的 19 位分析師中，只有 6 位推薦購買該股票。</p>
<p>24/7 Wall St.對該股票的看法更加謹慎，目標價為 10 美元。達到該目標將意味着該股在未來一年內下跌 6.4%。</p>
<h2>SoFi 的股價預測 2025-2030</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/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>預計收入（十億美元）</strong></td>
<td><strong>預計淨收入（十億美元）</strong></td>
<td><strong>預計每股收益（標準化）</strong></td>
<td><strong>市銷率</strong></td>
<td><strong>預計市值（十億美元）</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 Block Inc. (NYSE: XYZ)、PayPal Holdings Inc. (NASDAQ: PYPL)、Upstart Holdings Inc. (NASDAQ: UPST)、LendingClub Corp. (NYSE: LC) 和 Affirm Holdings Inc. (NASDAQ: AFRM)，這使我們得到了大約 3.3 倍銷售額的綜合估值。</p>
<p>到本十年末，我們預計 SoFi 的股價將達到每股 17.56 美元，年收入增長率為 10%。我們估計的股價將比當前股價高出約 46%。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>年份</strong></td>
<td><strong>目標價格</strong></td>
<td><strong>與當前價格的變化</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>嬰兒潮一代獲得的七大財務福利，我們可能再也無法見到。</p>
<p>這篇關於 SoFi Technologies (NASDAQ: SOFI) 的價格預測和 2025-2030 年的預測（4 月 18 日）最初發布在 24/7 Wall St.。</p>

SOFI

<p>SoFi Technologies（納斯達克代碼：SOFI）在過去一週股價上漲了 2.6%，儘管年初至今下跌了 28.7%。分析師們的看法不一，摩根士丹利將其目標價從 7.50 美元上調至 13.00 美元，而 Needham 則將目標價從 13.00 美元上調至 20.00 美元。該公司最近宣佈將其貸款平台業務協議延長 20 億美元，並將年度股東大會定於 5 月 28 日舉行。SoFi 旨在擴大其金融服務並提高盈利能力，同時增加存款基礎和產品種類</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>儘管受到關税驅動的市場波動影響，SoFi Technologies Inc.（納斯達克：SOFI）的股價在過去一週上漲了 2.6%。儘管該股票在 2025 年開局強勁，但截至最後一次查看，股價仍較年初下跌了 28.7%。然而，其一年漲幅為 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>對經濟衰退的擔憂對像 SoFi 這樣的金融科技股票產生了影響。儘管吉姆·克萊默最近一直在推介該股票，但凱西·伍德卻出售了價值數百萬美元的股份。摩根士丹利最近將該股票的目標價從 7.50 美元上調至 13.00 美元，並稱該公司 “低配”，而 Needham 則將 SoFi 的目標價從 13.00 美元上調至 20.00 美元，並給予其買入評級。該公司報告了強勁的第四季度收益，但對未來的指引有所保留。</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 剛剛宣佈與由 Fortress Investment Group 的關聯公司管理的資金達成 20 億美元的個人貸款平台業務協議的延長。該公司已安排於 5 月 28 日召開年度股東大會。</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 是一個針對更富裕人羣的頂級在線金融解決方案平台。</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>其成為金融服務一站式商店的雄心以及不斷增長的存款基礎可能會推動未來的增長。</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.預計該股票在本十年末將有健康的上漲空間。</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>如果您正在尋找具有巨大潛力的重大趨勢，請確保獲取我們免費的《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 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、抵押貸款產品等其他金融產品。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 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 美元的價格上市，股價迅速上漲 150%，但自那以來表現平平。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，並給出我們對 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錯誤多於正確。但我們將提供我們的收入和收益預測作為我們的對等估值。</p>
</div><h2>SoFi’s <strong>Recent Performance</strong></h2>
<div class="lb-trans"><h2>SoFi 的 <strong>近期表現</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>以下是從 IPO 以來股價、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><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>股價</strong></td>
<td><strong>收入 *</strong></td>
<td><strong>淨收入 *</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>* 收入和淨收入以百萬計</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 萬美元的銷售和營銷費用。然而，運營成本的增加是值得的，因為這筆資金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 收入的增長，其盈利能力也在提升，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增長，盈利能力將進一步增強。鑑於行業正在增長，而 SoFi 的表現優於同行，市場對 SoFi 每股收益繼續上升持有強烈樂觀態度。</p>
</div><h2><strong>Key Drivers of</strong> SoFi’s <strong>Stock Performance</strong></h2>
<div class="lb-trans"><h2><strong>SoFi 股票表現的關鍵驅動因素</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>擴展服務和留住客户。</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>擴展金融服務：</strong> SoFi 成為金融服務一站式商店的雄心將可能推動未來的增長。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。</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>銀行特許和存款基礎擴展：</strong> 獲得國家銀行特許將使 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。</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>交叉銷售和客户留存：</strong> SoFi 的交叉銷售廣泛金融產品的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留存率和終身價值，從而提升整體收入和盈利能力。</p>
</div><h2>One-Year Stock Price Prediction</h2>
<div class="lb-trans"><h2>一年股價預測</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>華爾街目前持謹慎態度。</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>華爾街對 SoFi Technologies 的一年價格目標共識為 13.04 美元，這將比今天的股價上漲 23.1%。然而，在覆蓋該股票的 19 位分析師中，只有 6 位推薦購買該股票。</p>
</div><p>24/7 Wall St. is even more cautious on the stock, with a $10 target price. Reaching that target would be a 6.4% retreat by the shares in the next year.</p>
<div class="lb-trans"><p>24/7 Wall St.對該股票的看法更加謹慎，目標價為 10 美元。達到該目標將意味着該股在未來一年內下跌 6.4%。</p>
</div><h2>SoFi’s Share Price Estimates 2025-2030</h2>
<div class="lb-trans"><h2>SoFi 的股價預測 2025-2030</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/04/SOFI_chart.png"/></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Year</strong></td>
<td><strong>Est. Revenue ($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>預計收入（十億美元）</strong></td>
<td><strong>預計淨收入（十億美元）</strong></td>
<td><strong>預計每股收益（標準化）</strong></td>
<td><strong>市銷率</strong></td>
<td><strong>預計市值（十億美元）</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 Block Inc. (NYSE: XYZ)、PayPal Holdings Inc. (NASDAQ: PYPL)、Upstart Holdings Inc. (NASDAQ: UPST)、LendingClub Corp. (NYSE: LC) 和 Affirm Holdings Inc. (NASDAQ: AFRM)，這使我們得到了大約 3.3 倍銷售額的綜合估值。</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，我們預計 SoFi 的股價將達到每股 17.56 美元，年收入增長率為 10%。我們估計的股價將比當前股價高出約 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>目標價格</strong></td>
<td><strong>與當前價格的變化</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>嬰兒潮一代獲得的七大財務福利，我們可能再也無法見到。</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>這篇關於 SoFi Technologies (NASDAQ: SOFI) 的價格預測和 2025-2030 年的預測（4 月 18 日）最初發布在 24/7 Wall St.。</p>
</div>

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

SoFi Technologies（納斯達克股票代碼：SOFI）2025-2030 年價格預測與展望（4 月 18 日）