SoFi Technologies ($SOFI): Analyzing the Route to the $20 Target with +27% Upside (Check any stock’s price target on Tickeron.) The central target of $20 is the rounded arithmetic mean of roughly 25 current analyst price targets, which average about $20.35. SoFi Technologies, Inc. (SOFI) last closed near $15.77, meaning a move to $20 requires an upside of about 27%. Analyst targets are unusually wide, spanning from about $12 on the low end to $30 on the high end, reflecting sharp disagreement over valuation. The strongest supporting factors are record member and deposit growth, improving GAAP profitability, and management's multi-year growth targets. The biggest risks are a rich valuation multiple, recent equity dilution, and a still-cautious "Hold" consensus on Wall Street. $UPST $AFRM $URI $HAPN $AER