Wall Street Says SoFi Stock Could Climb 39% In a Year

SoFi (SOFI) stock has gained significantly in value, climbing nearly 108% in six months. This rally is driven by a steady stream of strong quarterly results and an improving interest rate environment. SoFi’s revenue growth has accelerated, with momentum remaining strong across all its business segments. This signals that SoFi has steadily transitioned into a more durable, diversified financial platform.

A key part of SoFi’s evolution has been its shift toward a lower-risk, fee-driven, non-lending model. By reducing its reliance on traditional lending and expanding businesses such as financial services, technology platforms, and deposit products, the company has strengthened its balance sheet, improved credit stability, and generated more predictable earnings. This mix of expanding revenue streams and disciplined risk management has contributed meaningfully to the stock’s sharp climb.