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SoFi

SOFI

Financial Services · Digital Finance & Assets

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SOFI Q4 2025 Earnings

Get to know the business before exploring its models and valuation.

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Market Price

$15.23

End-of-day price · Oct 12, 2026

Northwise Valuation

Premium investment conclusions

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Weighted Target · PremiumExpected CAGR · PremiumNorthwise Rating · PremiumScenario Valuation · Premium

Financial Model

SOFI Financial Model

Structured Northwise model framework, scenario architecture, and revision history. Investment conclusions and valuation outputs are reserved for Premium members.

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SoFi Stock Analysis: September 2026 Editable Model

Published Oct 1, 2026 · XLSX · 44.2 MB

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Current Revision

Sep 23, 2026

2026-09-30 SOFI bank economics model

Model Horizon

Dec 2030

Scenarios

3

Dynamic scenario framework

Model History

2 published revisions

First model · May 31, 2026

Scenario Valuation

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Valuation Framework

Methods currently used by the published Northwise model. Methodology is public. Valuation outputs remain protected.

Price/EarningsResidual IncomeSum-of-the-Parts

Latest Model Report

SoFi app above a cutaway bank showing customer relationships, deposits, loans and shareholder capital.
Model Report · PremiumPublished

SoFi Stock Analysis: The Bank Behind the Everything App

Our SoFi stock analysis tests lending, deposits, credit losses and dilution across 162 scenarios, with a detailed valuation and editable investment model.

Primary Northwise model research for SoFi

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Recent Research

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Sofi Q4 2025 Earnings Northwise
Research Note · Free

SOFI Q4 2025 Earnings

Published

SOFI Q4 2025 earnings reports Friday premarket (Jan 30, 2026). We outline the key numbers, risks, and signals that matter heading into the call.

SOFI Stock Price Prediction Northwise
Research Note · Free

Sofi Stock Price Prediction

Published

SoFi stock price prediction for 2026: why we believe this full-stack fintech could double as it builds a sticky, profitable platform. (Updated Dec 2025)