The analysis provides a price prediction for SOFI stock by the end of 2026, based on four different scenarios using earnings per share estimates and forward price-to-earnings ratios. The core metric used is the 2027 earnings per share estimate of $0.75. The analyst considers various forward PE ratios, ranging from 60 to 45. If SOFI's earnings per share reach $0.75 by the end of 2027, and the forward PE ratio remains at 60, the stock price could reach $45 by the end of next year. However, this scenario is considered optimistic. A more likely scenario involves a slight decline in SOFI's forward PE ratio. If it falls to 55, the stock price could still rise to $41 per share. If the forward PE ratio falls further to 50, the stock price could rise to $37.50, representing a 50% increase year over year. Should the forward PE ratio fall by 25% to 45, the stock price could increase to $33.75. Given these scenarios, the analyst predicts that the share price will likely increase and end next year between $35 and $38 per share.