The analysis reviews SOFI's financial performance in 2025, projecting into 2026. Using a price-to-earnings (P/E) ratio approach and earnings per share (EPS) estimates of $0.76, the analyst constructs a scenario analysis. At a P/E of 65.81, the stock price could reach $50.02. If the P/E declines to 60, the target would be $45.60; at a P/E of 55, the target is $41.80; and at a P/E of 45, the target price would be $34.20. Key factors influencing this are the Federal Reserve's expected interest rate cuts, potentially increasing lending activity. However, the analyst notes risks: a slowing economy, high default rates, and global trade barriers which are key negatives that can affect SOFI earnings. Taking all this into account, the analyst predicts a rise to between $35 and $40 by the end of next year.