SoFi Technologies, Inc. (SOFI) Stock Forecast 2026: P10, P50 & P90 — Probabli.AI
Timestamped SOFI stock forecast with 1-year P10, P50, and P90 price estimates, scenario probabilities, definitions, sources, and limitations.
Direct answer: SoFi Technologies (SOFI) displays strong growth-stock fundamentals characterized by 39% projected revenue growth, consecutive quarters of EPS outperformance, and raised long-term guidance. The acquisition of its national bank charter continues to depress funding costs via sticky retail deposits, allowing SoFi to out-compete both traditional regional banks and capital-constrained neobanks. While credit risk on unsecured lending remains a primary tail risk that calibrates the lower percentiles, the company's continuous shift toward non-lending fee income, operational leverage, and B2B tech platform integration supports an above-market multi-year growth trajectory. The saved 1-year distribution is P10 $13, P50 $22.5, and P90 $28.
Last analyzed · Model: gemini-3.8-flash
SoFi Technologies, Inc. Forecast data
| Estimate | 1-year price | Meaning |
|---|
| P10 | $13 | Pessimistic plausible scenario |
| P50 | $22.5 | Median scenario |
| P90 | $28 | Optimistic plausible scenario |
What the numbers mean
P10, P50, and P90 are model-generated scenario estimates: roughly a pessimistic plausible outcome, a median outcome, and an optimistic plausible outcome. They are not calibrated confidence intervals.
Supporting analysis
SoFi's 39% revenue growth guidance, 8-quarter earnings beat streak, and raised forward outlook validate its differentiated member-centric flywheel. While credit cycle headwinds remain a monitored risk, the national bank charter gives a durable deposit-funding advantage, positioning the stock for significant multiple expansion toward the analyst consensus target of $22.00.
Sources and limitations
Market and company inputs are primarily sourced through Yahoo Finance and public financial-data interfaces. This page reports a saved AI-generated scenario analysis as of the timestamp above; it is not live data, audited probability, financial advice, or a guaranteed return.
Frequently asked questions
When was this SOFI analysis generated?
October 28, 2026.
Is this a guaranteed SOFI prediction?
No. It is a model-generated scenario assessment with material uncertainty.
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The information on this page is for educational and informational purposes only and does not constitute professional financial advice.