Macroeconomic scenario analysis in the "SoFi stock price forecast" finds that moderate interest rate cuts in 2025 could expand lending volumes, boosting profitability. Under this optimistic model, share price projections reach $11.20, reflecting a favorable rate environment. Self-directed investors looking to take greater control of their retirement savings may consider IRA Financial. The platform enables you to use a self-directed IRA or Solo 401(k) to invest in alternative assets such as real estate, private equity, or even crypto . This flexibility empowers retirement savers to go beyond traditional stocks and bonds, building diversified portfolios that align with their long-term wealth strategies. Long-Term Outlook: By the end of 2025, estimates suggest that SoFi’s stock could range between $6.31 and $21.92 per share, depending on various factors such as market conditions and company performance. A fundamental-based "SoFi stock price forecast" values the company at roughly 4.2x forward sales, which is below peer averages in the fintech sector. This valuation gap may be attractive to growth-oriented investors expecting accelerated revenue from higher member deposits in 2024.