Should I buy SoFi stock in 2025?

What is SoFi?

How much is the SoFi stock?

The price of SoFi stock is declining this week. Currently, SoFi trades at $13.17 USD, reflecting a 1.13% decrease over the last 24 hours and a 0.61% drop across the past week.

The company’s market capitalisation stands at $14.87 billion, with an average three-month trading volume of 58.31 million shares. SoFi’s price-to-earnings (P/E) ratio is 31.29, and there is no dividend yield reported at this time.

With a stock beta of 1.86, SoFi remains notably more volatile than the broader market—investors in Ireland should be aware that price swings can present both opportunities and risks.

Our complete analysis of the SoFi stock

After a rigorous review of SoFi Technologies' latest Q1 2025 financial results and its stock’s performance over the last three years, we have integrated multiple vectors of analysis—ranging from financial metrics and technical signals to peer benchmarking and market trends—using our proprietary algorithms. As SoFi consolidates its status within the digital-first financial sector, there is a compelling case for renewed attention from investors. So, why might SoFi stock once again become a strategic entry point into the fintech segment as 2025 unfolds?

Recent Performance and Market Context

SoFi Technologies (NASDAQ: SOFI) currently trades at $13.17 as of 30 May 2025, positioning it close to an important technical support after a brief pullback (-1.13% intraday, -0.61% week-on-week). Nevertheless, the broader context is overwhelmingly bullish. Over the last twelve months, SoFi has surged by an impressive 87.13%, clearly outpacing key US and global fintech indices. The stock’s recent six-month correction (-8.28%) and YTD drawdown (-12.63%) may be interpreted less as structural weakness and more as a healthy consolidation typical in high-growth technology equities following periods of rapid appreciation.

Several catalysts underpin this robust performance:

• Q1 2025 earnings exceeded analyst expectations, with adjusted revenue up 33% YoY to $771 million and a notable return to GAAP profitability.
• Strategic partnerships—including an extended $3.2 billion loan platform agreement with Fortress and Edge Focus—signal confidence from leading institutional players and fortify SoFi’s competitive positioning.
• The upcoming reintroduction of crypto trading by end-2025, as announced by CEO Anthony Noto, is poised to further diversify the revenue base and attract a new cohort of users.
• The sector itself is entering a growth phase, as digitisation of banking and regulatory support for fintech innovation bolster demand for next-gen financial services—a positive backdrop for a company at the forefront of these trends.

SoFi’s recent operating performance, against a favourable macro and sectoral climate, sets the stage for its next chapter of growth.

Technical Analysis

A technical reading of SOFI shares further substantiates the view that the stock may be on the verge of a new bullish phase. Key indicators demonstrate:

• Relative Strength Index (14 days): Currently between 53 and 64, signaling a neutral-to-bullish momentum—not overbought, thus retaining ample upside headroom.
• MACD (12/26): Positive at 0.27, suggesting incremental upward momentum is building following the recent period of price consolidation.
• Moving Averages: While some shorter-term moving averages still signal caution, the presence of mixed signals amidst recent volatility tends to precede shifts to renewed upward trends as large-cap tech adjusts to sector flows.

Critical support is established at $13.07, confirming that current prices are anchored near a historically resilient level. Resistance remains in focus at $14.11 (analyst consensus price target) and $18.42 (52-week high). The confluence of market structure and prevailing technicals collectively suggests that SoFi may be approaching an inflection point—ideal for tactical accumulation.

Fundamental Analysis

The underlying fundamentals of SoFi Technologies are particularly compelling by fintech standards:

• Revenue Growth: Q1 2025 showcased a 33% YoY increase in adjusted revenue to $771 million—a demonstration of sustained top-line acceleration.
• Profitability: EBITDA surged to $210 million (+46% YoY), and GAAP net profit landed at $71.1 million, with diluted EPS of $0.06—marking a clear step change in operating leverage and financial discipline.
• 2025 Guidance: Management has upgraded outlook, projecting $3.235–$3.310 billion in adjusted revenue (implying 24–27% growth) and $875–$895 million in EBITDA, with net profits anticipated between $320 and $330 million for the year.
• Valuation: With a trailing P/E of 31.29 and a price-to-sales ratio markedly lower than many high-profile fintech peers, SoFi’s valuation appears justified by its brisk growth rates and improving margin profile.
• Structural Strengths:
• Diversified three-pillar business model (Lending, Technology Platform, Financial Services).
• Accelerating fee-based revenue (+67% in Q1) and cross-sell of over 1.2 million new products, minimising cyclicality from lending alone.
• Acquisitions such as Galileo and Technisys reinforce its full-stack digital offering, providing significant technical and cost advantages over legacy competitors.
• Robust brand equity and innovation pipeline under the veteran leadership of CEO Anthony Noto.

Notably, SoFi’s rapid member growth (+800,000 new members in Q1, up 34% YoY) and $27.3 billion in member deposits reflect powerful network effects and entrenched user engagement—critical moats in an increasingly competitive sector.

Volume and Liquidity

Sustained volume and float dynamics further inspire confidence:

• Average Daily Volume: The three-month average stands at a robust 58.31 million shares, positioning SoFi among the most actively traded fintech names, which ensures deep liquidity for both retail and institutional flows.
• Market Capitalisation: At $14.87 billion, SoFi offers the scale that attracts global asset managers while retaining the dynamic upside of a growth-oriented company.
• Public Float: The size and structure of SoFi's float facilitate efficient price discovery and support valuation uplift as fresh catalysts emerge.

Together, these liquidity metrics point to a market that not only trusts current valuations, but also stands ready to adjust quickly to positive corporate developments.

Catalysts and Positive Outlook

SoFi is richly positioned for multiple near- and medium-term catalysts:

• New Product Pipelines: The return to crypto investing by end-2025 can spark user acquisition and revenue diversification. Continued innovation in robo-advisory and alternative asset access address future-forward demand.
• Partnerships: Strategic extensions, such as the $3.2 billion Fortress/Edge agreement, expand lending capacity—enabling SoFi to serve a larger and broader addressable market.
• Platform Expansion: The ongoing migration of members onto SoFi’s integrated ecosystem should accelerate cross-selling and unlock incrementally higher margins.
• ESG Alignment: SoFi’s dedication to inclusive, accessible financial services resonates with a global cohort of younger, values-conscious investors, capturing a tailwind that is increasingly shaping institutional capital allocation policies.
• Macro and Regulatory Trends: The regulatory climate in the US continues to evolve favourably for regulated digital banks like SoFi, supporting market expansion and user trust.

The upshot: with analyst targets ranging toward $17.12 (+30% above current levels) and consensus sentiment tilted bullish (majority “Buy” or “Hold”), SoFi’s growth trajectory looks set to continue its divergence from legacy sector incumbents.

Investment Strategies

Given current market structure, several entry points and strategies can be considered as the stock pivots higher:

• Short-Term: Tactical investors may look to accumulate near the $13.07–$13.20 support for an opportunistic rebound toward $14.11 and, on strong momentum, potentially the $18.42 52-week high.
• Medium-Term: Those seeking to capitalise on new product launches (crypto trading reinstatement, alternative asset robo-advisor) can initiate or add positions ahead of these anticipated rollouts, targeting multiple upward catalysts through Q4 2025.
• Long-Term: The strategic investor may favour building positions in anticipation of sustained top-line and EBITDA expansion, compelling valuation, and further network effects as SoFi entrenches itself as a next-generation digital banking leader.

All three horizons are underpinned by the convergence of strong fundamentals, technical inflection points, and impending catalyst-driven re-ratings, setting up SoFi for a potential new cycle of outperformance.

Is it the Right Time to Buy SoFi?

SoFi Technologies presently combines standout revenue growth, margin acceleration, and a robust pace of innovation, all within a framework of accelerating user adoption and expanding platform relevance. The current entry point near technical support, coupled with a powerful pipeline of corporate catalysts, seems to represent an excellent opportunity for investors seeking exposure to the fintech revolution. As SoFi delivers on both profitability and platform expansion, its multiples appear increasingly justified and supported by consistent outperformance.

With sector tailwinds at its back, a visionary leadership team, and a reinforced balance sheet, SoFi stock may indeed be entering a new bullish phase—one that makes renewed interest not only understandable but well-founded. For investors in Ireland and beyond surveying the US fintech space, SoFi’s risk/reward profile stands out as particularly well aligned with both conviction and growth objectives.

In summary, SoFi Technologies emerges as one of the most attractive names in the digital finance sector for 2025, thanks to its formidable fundamentals, strategic catalysts, and ideal technical setup—prompting investors to seriously consider its role as a core fintech holding in the years ahead.

How to buy SoFi stock in Ireland?

Buying SoFi Technologies (SOFI) stock online is easy and secure thanks to regulated brokers available to investors in Ireland. You can own SoFi shares directly via a simple “spot” transaction, or trade them using Contracts for Difference (CFDs), which offer exposure with flexibility. Both methods are widely used and regulated within the EU, making it simple to invest or speculate. Your choice depends on whether you want to own the underlying shares or trade on price movements with leverage. Read on for a detailed comparison—plus, you’ll find a broker comparison table further down the page.

Spot Buying

A cash purchase of SoFi stock means you directly own shares listed on the NASDAQ. This classic method enables you to become a shareholder, benefit from any price gains—and, in the future, dividends—while holding your investment in a standard brokerage account. Irish brokers typically charge a fixed commission per order, often €5–€10, plus a small currency conversion fee if you deal in USD.

Example — Spot Buying

For example, if the SoFi share price is $13.17 (approx. €12), with $1,000 (about €930) you can buy around 75 shares after deducting a $5 commission.
✔️ If the share price rises by 10% to $14.49, your 75 shares are now worth $1,100.
Result: a gross gain of $100, or +10% on your initial investment (before taxes and conversion fees).

Trading via CFD

CFD trading lets you speculate on SoFi’s price without owning the shares. Contracts for Difference are financial instruments mirroring the underlying stock’s value, allowing for leverage—which means you can control a larger position with a smaller deposit. Fees include the spread (the broker’s markup on buy/sell prices) and overnight financing if you hold positions for more than a day.

Example — CFD Trading

Example: you open a CFD position on SoFi with $1,000 and 5x leverage. This gives you $5,000 market exposure.
✔️ If the stock rises by 8%, your position gains 40% (8% × 5).
Result: $400 gross gain on a $1,000 deposit (excluding spreads and financing costs).

Final Advice

Before investing in SoFi stock, it’s crucial to compare brokers’ fees, available platforms, and regulatory protections—these vary widely in Ireland and can impact your returns. Your decision between spot buying and CFDs ultimately depends on your objectives: long-term investing vs. short-term trading with leverage. For an up-to-date comparison of Irish brokers, consult the table further down this page. Invest with confidence, knowing that learning about your options is the first step to building a diversified portfolio.

Our 7 tips for buying SoFi stock

The latest news about SoFi

SoFi reported standout Q1 2025 results with revenue and profit growth exceeding analyst expectations. In the quarter ended March 2025, SoFi’s adjusted revenue reached $771 million, marking a 33% year-on-year increase, while adjusted EBITDA grew 46% to $210 million. The company also reported a GAAP net income of $71.1 million and a diluted EPS of $0.06, significantly above average market forecasts. Additionally, member growth was robust, with 800,000 new members added—a 34% year-on-year increase—as well as 1.2 million new products launched, reflecting strong expansion in both user base and product line-up. This strong performance and consistent user growth are particularly positive signals for investors in Ireland and Europe considering exposure to US fintech names with global reach.

SoFi has expanded strategic partnerships by $3.2 billion to reinforce its loan platform capabilities. Announced within the past week, SoFi extended its partnerships with Fortress and Edge Focus, bringing in an additional $3.2 billion to power its loan platform expansion. These alliances not only enhance SoFi’s lending capacity but also strengthen its capital flexibility, providing the company with scalable infrastructure to grow lending operations and manage credit risk. For Irish analysts and investors, these developments are a constructive sign of SoFi’s ability to attract institutional support and scale globally-relevant fintech infrastructure, potentially signaling readiness for deeper engagement with international clients or European platforms over time.

The company raised its 2025 guidance and continues to show optimism in market sentiment and analyst ratings. SoFi raised its full-year guidance, now projecting adjusted revenue of $3.235–$3.310 billion (24–27% growth) and adjusted EBITDA between $875 and $895 million. The consensus analyst price target stands at $14.11—a moderate premium to current prices—while most analyst recommendations remain "Buy" or "Hold". Market sentiment appears optimistic, based on both the raised forecasts and constructive coverage. This forward-looking stance, paired with upward revisions, suggests confidence in SoFi’s ongoing business execution, an important consideration for professional analysts in Ireland evaluating opportunities in the disruptive US fintech space.

Continued platform and product innovation, including the announced return to crypto by year-end 2025, demonstrates SoFi’s adaptability and technology leadership. SoFi’s CEO, Anthony Noto, confirmed that the company plans to reintroduce crypto investing offerings by the end of 2025, positioning SoFi to capture renewed consumer interest in digital assets while supporting diversification in its product mix. The tech platform also achieved 158.4 million activated accounts, driving a 10% increase in technology platform revenue. These advances highlight SoFi’s ongoing commitment to product innovation and adaptability—characteristics that align with key trends in Ireland's own rapidly evolving fintech environment, where demand for multi-asset and technology-driven finance solutions is on the rise.

SoFi’s platform technology, notably Galileo and Technisys, has strengthened its competitive position in global fintech—relevant for Irish institutional investors and market participants. The firm’s robust, modular fintech infrastructure underpins its integrated banking, lending, and investment offerings. The Galileo and Technisys acquisitions, both recognized for powering digital banking solutions, provide SoFi with the technical backbone to support further international expansion and potential cross-border service rollouts. For Ireland-based investors or regulated entities, this strategic technology focus suggests increasing compatibility and opportunities for collaboration or product distribution in EU markets, as the region continues to encourage growth in digital finance and cross-Atlantic fintech partnerships.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.