Nama's AI scorecard currently rates SoFi Technologies Buy (8.4 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is SOFI's P/E ratio?

SoFi Technologies trades at a trailing price-to-earnings ratio of 30.0.

When does SOFI report earnings?

SoFi Technologies's next scheduled report is on Jan 29, 2027. Analysts expect EPS of $0.20.

What is the SOFI price target?

The median analyst price target from 23 analysts is $20.00, with a range of $12.00 – $30.00.

Is SOFI Shariah compliant?

Nama's AAOIFI-style screen reads SoFi Technologies as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.

Nama Insights

SoFi Technologies (SOFI)

Financial Services · Credit Services · NASDAQ

SoFi Technologies (SOFI) is a Financial Services company in the Credit Services industry. It has a market capitalization of $21.02B and a trailing price-to-earnings ratio of 30.0. Over the most recent reported fiscal year, revenue grew 38.3%. Nama's AI scorecard rates it Buy, 8.4 out of 10. On 12-month momentum it ranks in the trailing band of its market.

AI scorecard

Buy · 8.4/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Trailing · -42.3% over 12 months ex. last

Bottom 20% of its market on the past year's move.

Shariah screen

Shariah Compliant

Passes our debt, cash and income screen; not a scholar's ruling.

Off its high

-50.5%

How far the last close sits under the highest price of the past five years.

Market cap	$21.02B
Trailing P/E	30.0
Price / book	1.9
Price / sales	4.5
FCF yield	—
Dividend yield	—
Gross margin	84.2%
Operating margin	23.2%
Net margin	15.8%
Revenue growth (YoY)	+38.3%
Revenue growth (3-yr annual)	+31.9%
EPS growth (YoY)	+146.7%
FCF/share growth (YoY)	—
Beta	2.3
Exchange	NASDAQ
Sector	Financial Services
Industry	Credit Services

SOFI earnings

Next report: Jan 29, 2027 (Q4 2026, EPS estimate $0.20). Beat the EPS estimate in 3 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 27, 2026	$0.18	$0.17	+5.9%	—
Q2 2026	Jul 29, 2026	$0.12	$0.11	+9.1%	$1.22B
Q1 2026	Apr 27, 2026	$0.12	$0.12	+0.0%	$1.10B
Q4 2025	Jan 30, 2026	$0.12	$0.11	+9.1%	$1.03B

SOFI analyst price target

Median target $20.00 from 23 analysts, ranging $12.00 – $30.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
AFRM	Affirm	$22.98B	9.7
ALLY	Ally Financial	$11.45B	8.0

Explore live SOFI data on Nama Insights →

Recent Congressional trades

SoFi Technologies trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
James Comer	House	Buy	$1,001 - $15,000	Jan 10, 2025

SOFI FAQ

Is SOFI a buy?: Nama's AI scorecard currently rates SoFi Technologies Buy (8.4 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is SOFI's P/E ratio?: SoFi Technologies trades at a trailing price-to-earnings ratio of 30.0.
When does SOFI report earnings?: SoFi Technologies's next scheduled report is on Jan 29, 2027. Analysts expect EPS of $0.20.
What is the SOFI price target?: The median analyst price target from 23 analysts is $20.00, with a range of $12.00 – $30.00.
Is SOFI Shariah compliant?: Nama's AAOIFI-style screen reads SoFi Technologies as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.