Every sofi stock price prediction for 2030 is two guesses multiplied together: a growth rate and a multiple. Neither is knowable, so here are the inputs instead.
Growth: 2025 revenue about $3.58B, up ~36%. 2026 guidance near $4.655B, roughly 30% growth, adjusted EPS near $0.60. But three-year models assume closer to 16% a year.
Multiple: fintech valuations compressed hard this year. Shares are down ~29% YTD with a twelve-month range of about $14.92 to $32.73.
Risk: net charge-offs rose to ~$202M from ~$169M, and Muddy Waters alleged accounting misstatements in March.
Analysts will not publish past twelve months, and even there they span $16 sell at Morgan Stanley to $31 overweight at JPMorgan.
I trade SOFIUSDT on Bitunix around dated catalysts instead, a derivative with funding costs and liquidation risk. Earnings 29 July. My read could be wrong, so do your own work.
Growth: 2025 revenue about $3.58B, up ~36%. 2026 guidance near $4.655B, roughly 30% growth, adjusted EPS near $0.60. But three-year models assume closer to 16% a year.
Multiple: fintech valuations compressed hard this year. Shares are down ~29% YTD with a twelve-month range of about $14.92 to $32.73.
Risk: net charge-offs rose to ~$202M from ~$169M, and Muddy Waters alleged accounting misstatements in March.
Analysts will not publish past twelve months, and even there they span $16 sell at Morgan Stanley to $31 overweight at JPMorgan.
I trade SOFIUSDT on Bitunix around dated catalysts instead, a derivative with funding costs and liquidation risk. Earnings 29 July. My read could be wrong, so do your own work.