SoFi Technologies Inc. Common Stock (SOFI) 12-Month Stock Forecast & Price Target Cone

$17.61 +2.74% NASDAQ • Public Delayed / 60s Snapshot

SoFi Technologies Inc. Common Stock (SOFI) receives a Roarable Rating of D (Sell) and flashes a Red SELL / AVOID warning (47/100 RQD Confidence). Our SEC filing scanner spotted paper earnings outpacing real operating cash flow (+116.5% (NI vs OCF)) while unpaid customer invoices grew—a classic sign to step aside until cash flow catches up.

ROARABLE D • SELL / AVOID Cap $22.74B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERSELL / AVOID • D
025507510047
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw D- · Rk D
Cash (3)Whales (10)SEC (8)Macro (6)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-4.9% Base Target
$34 Bull$17 Base$13 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:62% Call Buyers ($2.8M)
38% PutsMax Pain: $17.00
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your SOFI Position Size: $10,000

Shares at $17.61: 567.9 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $13.06
$7,416
$-2,584 (-25.8%)
12M Consensus BaseTarget $16.74
$9,506
$-494 (-4.9%)
12M Bull Case BreakoutTarget $34.37
$19,517
+$9,517 (+95.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 9
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$1774%A
Goldman SachsSector Coverage LeadUNDERPERFORM$3269%B
JP MorganUS Large-Cap ResearchSELL$1558%C
🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher & Guest Forensic Quant Desk

Red-Light Warning Desk: How Pros Profit When Overhyped Stocks Crack (Featuring SOFI)

  • ✓Live walkthrough of SOFI's RQD Radar, SEC cash-conversion gap & downside levels
  • ✓3 asymmetric Bear/Hedge setups institutions use when 10-year yields stay elevated
  • ✓Includes instant 24/7 email alert whenever any of your stocks flip to Red
RQD INSIDER CLUB UPGRADE$49/YEAR
Want Plain-English AI Custom Indicators, Daily Pro Trader Video Clips & SMS Crash Alerts?
SOFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.10%▼ DESCENDING CHANNEL
2026-10-30O $17.07H $17.32L $16.44C $16.76VOL 64.17M
RES: $19.20SUP: $13.66SMA50: $16.58SMA200: $17.79
$24.49$21.61$18.73$15.85$12.97RES $19.20SUP $13.66$16.762026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SOFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
34.9%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SOFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SOFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video 💡 Share-Count Creep & Refinancing Watch: Separating Real Free Cash Flow from SBC Dilution (gideon-ashmere) 💡 Starter Kit: Forensic Dilution & Refinancing Stress Watch (gideon-ashmere)
🎬 No recent verified company-specific video clip queued for SOFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

SOFI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is SOFI's 12-month stock price target?

SoFi Technologies Inc. Common Stock (SOFI) carries a 12-month consensus base price target of $16.74 (-4.9% from $17.61), with a bull-case target of $34.37 and a bear-case floor of $13.06.

Is SOFI stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates SOFI D (Sell — SELL) with an RQD Confidence score of 47/100.