SoFi Technology (SOFI) stock is climbing on Monday, following hints from the Fed that a potential interest rate cut may be coming soon. Following the Fed meeting last week, analysts upgraded their outlook on SOFI, citing growth in lending, crypto products, and upcoming international remittance services. The company itself is also bullish on the near future outlook. Indeed, SoFi anticipates $5.1 billion in revenue and $952.5 million in earnings by 2028. This scenario assumes a 19.1% annual revenue growth rate and represents a $390.9 million earnings increase from the current $561.6 million.

The SoFi platform has been infused with traffic and customers over the last several years, making it one of the top personal finance companies on the market. Additionally, the company is diversifying into higher-margin services, such as international money transfers, to drive future revenue growth. SOFI is among the most active stocks, reflecting significant trading volume in the last few weeks. Year-to-date, the stock is also up 70%, one of the best performers on Wall Street in 2025.

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Analysts have mixed views on SOFI stock’s future, with price targets ranging from $9.5 to $28. Mizuho maintains an ‘Outperform’ rating at $26, while Morgan Stanley analysts hold a cautious stance with a $13 fall-off projection. At press time, the stock is trading at $26, but some analysts suggest even higher forecasts in the coming year.

Analysts at CNN are split on SOFI, rating it a 9/10 stock, but with forecasts differing. SOFI is trading near the top of its 52-week range and above its 200-day simple moving average. Out of 24 analysts surveyed by the platform, 29% call SoFi Technologies a buy, while 46% are cautiously holding. On the flip side, the remaining 25% suggest selling SOFI stock. While the stock is outperforming in 2025, it is in a volatile position and can tip at any time.