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SoFi Technologies (SOFI) Price Forecast & Price Target 2025, 2026, 2030

By:C, Fiona
Last updated:06/12/2025
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Since its initial public offering (IPO), SoFi Technologies (Nasdaq: SOFI) has generated a lot of interest among fintech investors and consumers due to its novel approach to traditional banking, investment, and lending. However, every investor is wondering: what is the long-term outlook for SoFi’s stock price? Evaluating the company’s present and future prospects is crucial as it keeps expanding and shaking up the traditional financial services industry. This article delves deeply into the stock forecast for SoFi for the years 2025, 2026, and 2030 using data from market trends, technical analysis, and expert opinions.

Table of Contents

 

What is SoFi Technologies?

SoFi Technologies (NASDAQ: SOFI) is a leading technology company that provides a wide suite of financial services like student loans, crypto trading, mortgage loans, and insurance among others. It was started by 4 students, Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady in 2011 with its headquarters in San Francisco.

The online lender made headlines in late 2017 when it announced it had secured a $1 billion investment from Softbank. That news, coupled with Sofi’s rapidly growing user base, sent the stock price soaring.

The company is best known for the student loans and refinancing that it provides to millions of people. The first loan program test was at Stanford, where 40 alumni of the institution lent about $2 million to nearly 100 students, which was $20,000 per student on average.

The company’s online bank allows users to easily access online banking services and check their account balances, track spending, and make payments online.

Additionally, SoFi offers auto loan refinancing solutions to help customers save money on existing car loans, as well as home mortgages with low-interest rates.

Whether you are looking for practical advice on how to tackle your debts or simply need straightforward guidance on managing your money more effectively, SoFi has the expertise and resources you need.

The company’s revenue jumped by 33% in the first quarter to $325 million. This performance was helped by the company’s interest income as interest-earning assets jumped.

SoFi also boosted its forward guidance. It expects that it revenue for the second quarter will come in at between $470 million and $480 million. Further, the company hopes that its full-year revenue will be between $1.95 billion and $2 billion. With the passage of the debt ceiling bill, we expect that the company’s revenue will be higher than its guidance.

It’s safe to say that Sofi is a company on the rise. With its proven track record of helping millions of people gain financial stability, this innovative online bank is committed to providing its customers with the tools they need to become financially organized and successful.

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SoFi Stock Price Performance

As of May 14, SoFi Technologies is trading at around $14.03 per share with a market cap of approximately $15.51 billion. The company’s digital banking solutions, personal loans, and student loan refinancing are its main points of differentiation. Thanks to its growing customer base and banking charter acquisition, SoFi has experienced substantial traction over the past few quarters. The stock’s volatility is still a function of quarterly earnings and the economy as a whole.

One of the most notable events shaping SoFi’s stock performance was its Q4 2024 earnings, in which the company reported revenues of $734.1 million, marking a 19% year-over-year growth. Nevertheless, investors are wary due to the company’s lack of full profitability and worries about increasing interest rates and regulatory hurdles.

Long-term, SoFi plans to increase customer lifetime value, diversify its income sources, and broaden its ecosystem of financial services. With a growing user base of over 8.8 million members, SoFi is betting big on its ability to evolve into an all-in-one financial super app.

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Sofi Stock Price Prediction 2025

With the help of its banking charter and growing customer base, SoFi is poised to further establish itself as a leading fintech company. Many analysts are projecting a stock price range of $12.73 to $21.58 per share for 2025, based on revenue growth estimates of 20-30% per annum. This forecast is based on the premise that SoFi will achieve profitability, as analysts anticipate a notable improvement in EBITDA.

The $18 level is being closely monitored by technical analysts as a potential point of resistance. There is potential for a strong upward trajectory for SoFi if the company can break through this level again in 2025, especially if it can deliver consistent quarterly earnings growth.


Sofi Stock Price Prediction 2026

If SoFi is successful in expanding its member base and streamlining its operations by 2026, its stock price might rise even higher. On the assumption that SoFi achieves complete profitability by 2026, analysts project a stock price for the company between $17.76 and $30.68. Reducing the debt-to-equity ratio and maintaining steady revenue growth from lending and banking operations are key drivers for SoFi.

By 2026, many industry watchers expect SoFi to have expanded into new financial sectors, which might increase its value. The stock price target for SoFi could go up if the company is able to successfully offer cryptocurrency trading and wealth management as additional products.

 

Sofi Stock Price Prediction 2030

If SoFi keeps innovating and gains more users, it could become a big player in the global fintech industry by 2030. A number of projections for the future indicate that SoFi’s stock price might range from $21.78 to $76.60. With a potential price-to-earnings ratio of 25–30, indicating robust market confidence, this growth is based on the assumption that SoFi will achieve consistent profitability. Achieving this level of valuation will depend on the company’s capacity to increase its share of the digital banking and lending markets.

Potentially game-changing developments for SoFi’s future growth include its foray into international markets and its pursuit of more niche financial services, such as investment banking and insurance. Still, there are dangers to be aware of, especially when it comes to juggling fast expansion with profitability.

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Conclusion 

The Sofi stock price predictions above show solid growth potential for Sofi price. We conclude that Sofi is a good investment for long-term investors.

The Sofi stock price prediction for 2024-2030 is that the company will continue to grow and be a major player in the online finance industry. Sofi has already made a name for itself by being a leader in student loan refinancing, but they are looking to expand its services into other areas of personal finance.

With its diverse revenue streams and ability to expand despite multiple headwinds, such as the student loan moratorium SoFi is a buy for investors.

Their customer service is top-notch, which is why they have been able to maintain high levels of customer satisfaction and loyalty. All of these factors point to continued success for Sofi, so investors should consider adding them to their portfolios.

How to Trade Crypto on BTCC?

This brief instruction will assist you in registering for and trading on the BTCC exchange.

Step 1: Register an account

The first step is to hit the “Sign Up” button on the BTCC website or app. Your email address and a strong password are all you need. After completing that, look for a verification email in your inbox. To activate your account, click the link in the email.

 

Create an Account

 

Step 2: Finish the KYC

The Know Your Customer (KYC) procedure is the next step after your account is operational. The main goal of this stage is to maintain compliance and security. You must upload identification, such as a passport or driver’s license. You’ll receive a confirmation email as soon as your documents are validated, so don’t worry—it’s a quick process.

 

Complete KYC

 

 

Step 3. Deposit Funds

After that, adding money to your account is simple. BTCC provides a range of payment options, such as credit cards and bank transfers. To get your money into your trading account, simply choose what works best for you, enter the amount, and then follow the instructions.

  • Fiat Deposit. Buy USDT using Visa/Mastercard (KYC required).
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Deposit Funds

 

Step 4. Start Trading

If you wish to follow profitable traders, you might go for copy trading, futures, or spot trading. After choosing your order type and the cryptocurrency you wish to trade, press the buy or sell button. Managing your portfolio and keeping track of your trades is made simple by the user-friendly interface.

 

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Look more for details: How to Trade Crypto Futures Contracts on BTCC

 

BTCC FAQs

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Based on its track record since 2011, BTCC has established itself as a secure cryptocurrency exchange. There have been no reports of fraudulent activity involving user accounts or the platform’s infrastructure. By enforcing mandatory know-your-customer (KYC) and anti-money laundering (AML) procedures, the cryptocurrency trading platform gives consumers greater security. For operations like withdrawals, it also provides extra security features like two-factor authentication (2FA).

 

Is KYC Necessary for BTCC?

Indeed. Before using BTCC goods, users must finish the Know Your Customer (KYC) process. A facial recognition scan and legitimate identification documents must be submitted for this process. Usually, it is finished in a few minutes. This procedure has the benefit of strengthening the security of the exchange and satisfying legal requirements.

Because their accounts will have a lower daily withdrawal limit, those who do not finish their KYC are unable to make deposits. It should be noted that those who present a legitimate ID without a facial recognition scan will likewise have restricted withdrawal options.

 

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Indeed. For users of iOS and Android, BTCC has a mobile app. The exchange’s website offers the mobile app for download. Since both the web version and the mobile app have the same features and capabilities, they are comparable.

 

Will I Have to Pay BTCC Trading Fees?

Indeed. BTCC levies a fee for trade, just like a lot of other centralised exchanges. Each user’s VIP level, which is unlocked according to their available money, determines the different costs. The BTCC website provides information on the charge rates.

 

Can I Access BTCC From the U.S?

You can, indeed. According to its website, BTCC has obtained a crypto license from the US Financial Crimes Enforcement Network (FinCEN), which enables the cryptocurrency exchange to provide its services to investors who are headquartered in the US.

According to BTCC’s User Agreement document, its goods are not allowed to be used in nations and organisations that have been sanctioned by the United States or other nations where it has a licence.

 

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