SoFi Stock Price Prediction

SoFi Technologies (NASDAQ: SOFI) is a fintech company that has reshaped personal finance. Founded in 2011, it initially specialized in student loan refinancing, helping borrowers reduce debt by offering better rates. This approach quickly attracted young adults dealing with student loans, establishing SoFi as a notable player in financial services.

Over time, SoFi expanded beyond student loans and now provides a wide range of financial services, including personal loans, home loans, investing in stocks and crypto, retirement planning, and everyday banking.

Today, as a publicly traded company, SoFi attracts interest from investors and consumers because of its diverse offerings and commitment to making quality financial tools accessible to everyone. In this article, we’ll examine SoFi stock price prediction, highlighting recent market trends along with a clear technical analysis to help investors understand its market potential.

SoFi Technologies Inc.: A Quick Introduction

SoFi Technologies Inc. (SOFI) is a modern financial company that’s changing how people handle their money in today’s digital world. Instead of working like a traditional bank, SoFi brings together services like banking, loans, investing, and even cryptocurrency trading in one easy-to-use app. 

It’s especially popular with younger users who like managing their finances through their phones. What really sets SoFi apart is its focus on building a sense of community. Beyond just financial tools, it offers things like member events, career support, and learning resources, making it more than just a place to save or spend money.

SoFi also stands out because it uses automation and smart technology to give people personalized financial advice, helping them make better money decisions. The company has been quick to move into cryptocurrency and has started using blockchain early on, showing that it’s open to new tech. 

SoFi keeps growing by adding new services and teaming up with other businesses, all part of its goal to become an all-in-one finance app. As a company listed on the stock market, SoFi attracts investors who are excited about the future of fintech, though its stock can be affected by changes in the market and financial regulations.

SoFi: Growth Story and Future Plans

SoFi began with a simple idea: help people get cheaper loans for their education. The first step was a pilot loan program at Stanford University, where 40 alumni lent about $2 million to nearly 100 students. That worked out to around $20,000 per student and marked the beginning of SoFi’s journey.

In September 2012, SoFi raised $77.2 million from investors like Baseline Ventures, DCM, and Renren. Notable investor Ron Suber also joined in.

By October 2013, SoFi had secured $500 million in funding to help finance and refinance student loans. This included $90 million in equity, $151 million in debt (with credit lines from Morgan Stanley and Bancorp), and $200 million from banks, alumni, and community supporters.

That same year, SoFi had already funded $200 million in student loans for 2,500 borrowers across 100 schools. In November 2013, it teamed up with Barclays and Morgan Stanley to create the first-ever peer-to-peer student loan bond to earn a credit rating.

In a major funding round, SoFi raised $500 million from the Qatar Investment Authority. Then in 2019, SoFi made headlines by signing a 20-year naming rights deal for SoFi Stadium in Inglewood, California. The agreement with the Los Angeles Rams and Chargers is worth $30 million a year—the most expensive stadium naming deal to date. In April 2020, SoFi expanded by buying Galileo, a payments platform, for $1.2 billion. Around the same time, it also bought Hong Kong-based investment app 8 Securities.

In early 2021, SoFi went public through a SPAC deal that valued the company at $9 billion. After going public, its valuation rose by over 12%.

Sofi’s Lending Model After Becoming Bank

In January 2022, SoFi received approval to become a national bank from the Office of the Comptroller of the Currency (OCC). A month later, it bought Golden Pacific Bancorp, which owns Golden Pacific Bank, for $22.3 million. With this deal, SoFi no longer needs to sell its loans to outside investors—it can now keep and manage them internally.

In the beginning, SoFi used a unique model that connected students with alumni investors through school-based loan funds. This allowed borrowers to get lower rates and investors to earn returns. SoFi also focused on lending to low-risk students to avoid defaults.

Later, as SoFi expanded into personal loans, mortgages, and refinancing, it moved away from the alumni model. Instead, it focused on lending to people who showed they were financially responsible—even if they didn’t have traditional credit profiles.

Today, SoFi offers more than just loans. It provides checking accounts and an investing platform that includes stock trading and automated (robo-advisor) investment options. With all these services, SoFi continues to grow its presence in the financial world—something that could shape how SOFI stock performs in the years to come.

Sofi Plans to Restart Crypto Services

SoFi CEO Anthony Noto announced in 2025’s Q1 that the fintech bank will resume cryptocurrency investing later this year. Previously, SoFi had to stop offering crypto services in late 2023 to secure a banking license during increased regulatory oversight. Customers’ crypto holdings were either transferred to Blockchain.com or liquidated at that time.

Now, due to changes in regulations under the Trump administration, including guidance from the Office of the Comptroller of the Currency (OCC), SoFi plans to aggressively re-enter the crypto market. Noto explained that SoFi intends to integrate crypto and blockchain technology extensively across its products, including lending, savings, spending, investing, and insurance.

SoFi aims to restart cryptocurrency investing by the end of the year, unless unexpected issues arise. Over the next 6 to 24 months, the company will expand crypto services further, possibly including loans backed by crypto assets and crypto-based payments. Noto also indicated that SoFi might accelerate these developments through acquisitions. As a result, this might greatly impact the Sofi stock price in a bullish way. 

SoFi Stock: Price History

SoFi became a publicly traded company in June 2021 through a SPAC merger, skipping the traditional IPO route. Early investor enthusiasm pushed shares above $24, triggered by its digital banking model and appeal to younger consumers. However, the stock fell sharply in late 2021 and throughout 2022 amid market pressures and interest rate hikes, hitting lows around $4 to $5.

In 2023, SoFi’s stock recovered somewhat, climbing above $9 by July, due to improved financial results and customer growth. Yet volatility continued, with prices fluctuating between $6 and $8 by year-end. The rollercoaster continued into 2024, with significant swings between $6 and $9, influenced by loan growth, profitability updates, and bearish economic factors. By December, shares rose to nearly $10, showing renewed buying demand. 

Entering 2025, SoFi experienced a strong start, reaching nearly $18 in January, before facing volatility. Despite these fluctuations, the stock showed reliability and stabilized around $13.34 by May 31, 2025, highlighting a notable recovery but still below earlier peaks. 

Sofi Price Prediction: Technical Analysis 

Sofi stock surged above the moving averages, suggesting that bulls are working to keep the price around resistance channels. The price of Sofi is now aiming to break the immediate resistance of $15. As of writing, Sofi stock price trades at $14.2, surging over 4.1% in the last 24 hours. 

The bears will likely try to keep the price below the EMA20 trend line, which stands as a key short-term support level. However, buyers are holding strong and Sofi stock price could break the resistance channels. This may trigger a rally to $17-$18 with significant buying volume. 

On the other hand, if the price drops below the moving averages after rejection, it could lead to a drop toward the support at $11. Buyers are expected to defend this level strongly, as a break below it could drive the price down to $9. 

Sofi Stock Price Prediction by Blockchain Reporter 

SoFi Stock Price Prediction 2025

Heading into the second half of 2025, SoFi stock is expected to have a rising trend. By December, SoFi stock may reach an average price of approximately $16.40, with minimum and maximum prices around $15.70 and $17.30, respectively, signaling a confident close to the year. 

SoFi Stock Price Prediction 2026

For the year 2026, the projection for SoFi’s stock price suggests an average value of around $16.56. The stock is expected to have a minimum price of approximately $13.10, and could climb to a maximum of $18.27 by year-end. 

SoFi Stock Price Prediction 2027

For the year 2027, SoFi’s stock price is projected to average around $18.16. The stock is expected to have a minimum price near $14.70 and could reach a maximum of up to $20.15.

SoFi Stock Price Prediction 2028

In 2028, SoFi’s stock price is expected to average around $13.26, with the lowest monthly estimate at $10.18 and a potential peak of $14.63 by year-end. 

SoFi Stock Price Prediction 2029

In 2029, SoFi’s stock price is projected to have an average value of approximately $14.58, with a minimum estimate of $11.30 and a potential high reaching $16.28.

SoFi Stock Price Prediction 2030

In 2030, SoFi’s stock price is projected to reach an average of approximately $16.15, with a minimum value near $12.95 and a potential high of up to $18.19. 

SoFi Stock Price Prediction 2031

Looking ahead to 2031, SoFi’s stock price is forecasted to maintain upward momentum, with an average projected value of around $18.28. The minimum price is expected to be approximately $14.55, while the maximum could reach $20.30.

SoFi Stock Price Prediction 2032

For 2032, SoFi’s stock price is expected to continue its upward trajectory, with an average forecast of about $20.62. The stock’s minimum price could hover around $16.10, while the maximum value might reach approximately $22.15.

SoFi Stock Price Prediction 2033

In 2033, SoFi’s stock price is expected to keep its growth momentum, with an average price forecast near $22.54. The minimum price could be around $17.75, while the maximum value may climb as high as $24.15.

SoFi Stock Price Prediction 2034

Looking ahead to 2034, SoFi’s stock price is predicted to continue its upward trend, with an average price around $24.03. The lowest price could be near $19.50, while the maximum might peak at $26.05.

SoFi Stock Price Forecast: By Experts

According to Coincodex, the current forecast for SoFi Technologies, Inc. (SOFI) anticipates a decline in share value by approximately 15.01%, reaching $11.61 per share by July 2, 2025. Technical indicators point to a neutral market sentiment, while the Fear & Greed Index registers at 39, indicating a state of fear among investors.

Over the past 30 days, SOFI stock has recorded gains on 16 out of 30 trading days, reflecting a 53% green day ratio and a price volatility of 5.24%. Based on this forecast, it is currently considered a poor time to buy SOFI stock, as it is trading about 14.36% above the projected price, suggesting the stock may be overvalued. Investors are advised to proceed with caution and monitor key market indicators before making investment decisions regarding SOFI.

According to Benzinga, in 2025, SoFi Technologies Inc. (SOFI) is expected to trade within a range of $8.89 to $14.94, with an average annualized price of approximately $11.92. This forecast suggests a potential return on investment of around 2.42% compared to current price levels.

According to CoinCodex, SoFi Technologies Inc. (SOFI) is projected to trade between $11.82 and $19.74 in 2025, with an average annual price of approximately $14.92. This suggests a potential return on investment of around 53.49% compared to current price levels..

Based on this forecast, it is currently considered a good time to buy SOFI stock, as it is trading roughly 11.2% below the predicted average value, suggesting it may be undervalued. Investors should be careful and keep an eye on market trends before deciding to buy or sell SOFI shares. 

Sofi’s Strong Q1 2025 Financial Report

In Q1 of 2025, SoFi achieved strong financial performance, posting record net revenue of $772 million, up 20% compared to last year and net income of $71 million. Adjusted net revenue increased by 33% to $771 million, while adjusted EBITDA rose significantly by 46% to $210 million.

The company saw robust growth in customer acquisition, with its membership reaching 10.9 million, representing a 34% annual increase. Additionally, total product offerings expanded to 15.9 million, marking a 35% rise year-over-year. 

The financial services segment was especially strong, doubling revenue to $303 million due to enhancements in SoFi Money and SoFi Invest. Meanwhile, SoFi’s lending division increased its net revenue by 25%, with personal loan originations surging 69% to $5.5 billion. This strong financial result strengthens Sofi stock’s future performance, which may push it above $20 in the coming months. 

Is SOFI Stock a Good Investment? When to Buy?

Before looking at SOFI stock price predictions, there are a few key things investors should think about:

• Growth and User Base: Is SoFi bringing in more users and getting people to use its products like loans, banking, and investing tools?
• Ways of Making Money: Can SoFi grow its income beyond just lending—for example, through its online bank, credit cards, or financial services?
• Fintech Competition: With more digital banks and finance apps coming up, can SoFi stay ahead and keep growing in such a competitive market?
• Rules and Regulations: Could new government rules or changes affect how SoFi runs its business?

By early 2025, SoFi’s membership base exceeded 3 million, driven by a continuous expansion of its product suite that now includes commission-free stock trading, cryptocurrency access, and robo-advisory services via SoFi Invest.

The company invests heavily in technology and user experience to enhance customer engagement and promote cross-selling. Strategic partnerships and sponsorships, including its presenting sponsorship of The Golf League (TGL), have expanded SoFi’s brand beyond traditional fintech circles.

It might be a smart move to buy SOFI stock if it falls into the $11–$12 range, giving more room for gains in the future. But as always, it’s important to get advice from financial professionals and do your own research before investing—especially in stocks that have both promise and risk.

Conclusion

SoFi Technologies (SOFI) currently has a mixed outlook. In the short term, investors have some concerns, predicting that the share price might decrease slightly, and the stock may currently be somewhat overpriced.

However, the long-term outlook is more promising. SoFi is well positioned in finance and could benefit from increased demand for online banking, personal loans, and financial management tools. Additionally, the company’s strategy of restarting crypto services, attracting new customers, and leveraging advanced technology could significantly boost its stock performance over the next decade. However, it is advised to do your own research before investing in the volatile stock market.