RESEARCH REPORT
SoFi Technologies, Inc.
SOFI
$16.76
As of 2026-11-01
Research note — 2026-11-01. Educational analysis, not financial advice.
The one-line version
SoFi Technologies, Inc. trades near $16.76 on a trailing multiple of about 30.5x versus its own 5-year median near 30.5x, against contested Street targets and the usual concentration and execution risks. That's the tension. Everything below is the detail.
That's the tension. Everything below is the detail.
1. What you're paying
| Now | Its own 5-year median | Gap | |
|---|---|---|---|
| P/E (trailing) | ~30.5 | ~30.5 | -0% |
| P/E (forward) | ~18.8 | — | — |
| EPS (TTM) | 0.55 | — | — |
| Gross margin | 84.2% | — | — |
What that means in plain terms: the gap versus the company's own history is the growth or durability the market is already pricing. It is not automatically wrong — it is the bet.
Fair-value anchors on file:
- 5-year median P/E multiple: $16.76 — Applies the 5-year median multiple (30.5x) to trailing EPS.
- Street mean target: $20.75 — Average published analyst target.
- Street target midpoint: $21.00 — Midpoint of $12.00–$30.00 published range.
Street targets run from $12.00 to $30.00. A wide spread means the name is contested, not consensus.
2. What the bulls are counting on
- How Much XRP Do You Need to Make $100,000 by 2030?
- CZ Says the Binance Hack Is Smaller Than Mt. Gox in Bitcoin Terms. What Did Bitcoin Do After Mt. Gox?
- The SEC Chair Says Most Crypto Assets Are Not Securities. What Does That Mean for XRP After Its 5-Year Fight?
Sign up free to read the full analysis
Bull case, bear case, assumptions, and what to watch next.
3. What the bears see
- Binance Needs to transact in Back Billions in Stolen Coins. Could Its Buying Lift Bitcoin?
- SoFi Technologies: Nobody Saw This Coming
- SOFI Q3 deep dive: member and product growth drive revenue acceleration, margin expansion
Sign up free to read the full analysis
Bull case, bear case, assumptions, and what to watch next.
4. What would have to be true
For the stock to justify ~30.5x rather than its 5-year ~30.5x, roughly all of the following need to neutral:
- Growth or margin durability shows up in the next several reports, not just in narrative.
- Key revenue concentrations survive competitive and regulatory pressure.
- Execution on the current product or services cycle stays on schedule.
- The Street target range compresses as results clarify the contested assumptions.
Ask yourself honestly: how many of those would you bet on individually? Multiply your answers together.
Sign up free to read the full analysis
Bull case, bear case, assumptions, and what to watch next.
5. What to watch next
- Next earnings date: 2027-01-28
- Trailing and forward multiples versus the company's own history
- Segment growth rates in the next 10-Q / earnings release
- Material Form 4 and 13F changes
- Whether the Street high-to-low target spread narrows or widens
Sign up free to read the full analysis
Bull case, bear case, assumptions, and what to watch next.
6. What this note does not do
It doesn't tell you to buy or sell. It won't, ever.
You have the valuation in context, the strongest version of both cases, and the specific assumptions the current price depends on. What you do with that depends on your time horizon, your existing exposure, your risk tolerance, and what else you could do with the money — none of which we know.
If you want someone to tell you what to do, you want a licensed financial adviser, and that is a genuinely reasonable thing to want.
Educational and informational purposes only. Not investment advice and not a recommendation to buy or sell any security. GetStockReport is not a registered investment adviser. Figures are as of 2026-11-01 and go stale quickly — verify against primary sources before acting. All investments carry risk including loss of principal. Past performance does not guarantee future results.
8. Analyst ratings & targets
No recent activity
Analyst opinions change frequently. Past upgrades do not predict future returns.
9. Important news
Nov 4, 2026|Anthropic’s IPO Is Coming. These Brokerages Are Giving Everyday Investors a Chance to Participate.(Yahoo)
The artificial intelligence company intends to allocate a portion of IPO shares to customers of some of the nation’s largest brokerage firms.
Nov 4, 2026|The XRP Ledger Now Ranks 6th for Tokenized Assets With $5 Billion. How Much of It Actually Needs XRP?(Yahoo)
Major institutions like Franklin Templeton and Aviva Investors are racing to tokenize assets on the XRP Ledger, pushing its value past $5 billion, but the settlement details of their biggest deals reveal a surprising truth about XRP's actual role in the ecosystem.
Nov 4, 2026|Upstart Is Still Down 46% This Year: Did Today Just Mark the Bottom for UPST Stock?(Yahoo)
Upstart just posted record contribution profit and rewarded shareholders with an 11% relief rally, yet slashed its own full-year outlook hours later. Whether today marks a turning point or a trap depends on a single credit index that management cannot control.
Nov 4, 2026|Bitcoin Dipped Toward $76,000 and Bounced Back Above $78,000 Within Hours. Is the Bottom In?(Yahoo)
Bitcoin plunged to its lowest price since September before staging a dramatic same-day recovery, but the trading data behind the bounce raises serious questions about whether buyers or forced liquidations deserve the credit.
Nov 4, 2026|Michael Saylor Keeps Buying Bitcoin While ETF Investors Sell. Strategy Added 811 Coins While BlackRock’s Bitcoin ETF Saw $405.3 Million Pulled Out In A Single Day(Yahoo)
Michael Saylor keeps stacking bitcoin even as ETF investors flee in one of the biggest single-day outflows of the year, but the numbers reveal something unexpected about where Strategy Inc. is actually spending most of its cash.
News headlines are reported as-is. Verify important claims with original sources.
10. Insider Form 4 activity
| Date | Executive | Action | Shares | Value |
|---|---|---|---|---|
| Oct 19, 2026 | Hele John C.R. | Sell | 15,880 | — |
| Oct 20, 2026 | Keough Kelli (EVP, GBUL, SIPS) | Sell | 10,203 | $150,214.69 |
Form 4 filings are routine transactions. Scheduled sales (10b5-1 plans) are normal and not signals.
11. Institutional 13F holdings
| Fund | Shares | Position | Change |
|---|---|---|---|
| BlackRock | 1,396,747 | $9.2B | — |
| Vanguard Group | 101,714,577 | $2.7B | — |
| State Street | 28,763,660 | $515.7M | — |
These are 45-day lagged filings (SEC requirement). Position changes happened in the past.
12. Earnings this week
No recent activity
Earnings dates are estimates and may shift. EPS estimates are consensus, not predictions.