Should I buy SoFi stock in 2025?

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At HelloSafe, our expert has been monitoring SoFi’s performance for over three years. Each month, hundreds of thousands of Canadians rely on us to interpret market trends and highlight the best investment opportunities. Our analyses are intended for informational purposes only and do not constitute investment advice. In line with our ethical guidelines, we have never been, and will never be, compensated by SoFi.

What is SoFi?

How much is SoFi stock?

The price of SoFi stock is rising this week. As of today, SoFi (SOFI) is trading at $12.51 USD, with a 24-hour gain of $0.23 (+1.87%) and a weekly increase of 4.1%. The company boasts a market capitalization of $13.81 billion, with an average three-month trading volume of 25.2 million shares.

With a beta of 1.87, SoFi stock remains more volatile than the broader market—an important note for Canadian investors assessing both growth potential and risk.

Our full analysis on SoFi stock

Having undertaken a rigorous review of SoFi Technologies’ most recent financial statements alongside its three-year stock performance, and by integrating a spectrum of analytical models—including financial metrics, technical indicators, and extensive sector benchmarking—our analysis sheds fresh light on this dynamic fintech innovator. Drawing from proprietary multi-factor algorithms and market-leading comparative data, a compelling portrait emerges of SoFi’s strategic evolution and investment merits. So, why might SoFi stock once again become a strategic entry point into digital finance as we look toward 2025?

Recent Performance and Market Context

SoFi Technologies (NASDAQ: SOFI) has experienced an impressive resurgence in both momentum and investor confidence. Trading around $12.51 as of May 2, 2025, the share price reflects a robust 12-month performance and marks a meaningful advancement from the volatility encountered in early 2023. Over the trailing three years, SoFi has steadily transformed perceptions of its potential—from a high-beta, high-risk upstart to a maturing, growth-centric digital financial powerhouse.

• Q1 2025 Outperformance: SoFi reported record revenue of $771 million (+33% YoY), with net income reaching $71 million, and EPS at $0.06—demonstrating both top-line growth and sustained profitability.
• Accelerating User Acquisition: The company added 800,000 new members last quarter (10.9M total), alongside 1.2 million new product additions, reflective of intensifying product penetration and successful cross-sell strategies.
• Sector Tailwinds: The convergence of heightened demand for digital-first financial services in North America and the stabilization of interest rate expectations has created fertile ground for platform-centric fintechs.
• Regulatory Clarity and Favorable Policy: As authorities continue clarifying banking and digital asset regulations, companies with charter advantages—like SoFi’s U.S. bank status—are positioned for growth, granting reliable funding and compliance flexibility over non-bank rivals.

Overall, these events have solidified SoFi’s status as a key beneficiary of the digital transformation shaping the broader financial sector—a narrative increasingly reflected in market sentiment and trading patterns.

Technical Analysis

Technical signals for SOFI are aligned with a constructive near- and medium-term outlook, enhancing the case for strategic entry at current valuation levels:

• Moving Averages: All key moving averages (10, 20, 50, and 200-day EMAs) currently flag “Buy”—with the 10-Day EMA at $12.20 and 200-Day EMA at $11.05, indicating upward momentum above multi-month support.
• Momentum Oscillators: The Relative Strength Index (RSI) stands at 54.44, a neutral-to-bullish zone that neither signals overbought nor oversold conditions. The Williams %R (-44.98) also reiterates mild buying pressure.
• MACD and CCI: While the MACD (+0.15) is neutral, trending slightly weaker, the Commodity Channel Index (85.35) is in line with a platform that could see further upward acceleration.
• Market Consensus: Technical consensus models compile 11 bullish signals to just 5 bearish, supporting the thesis of a stock within the early stages of a new bull phase.
• Key Support Levels: Solid technical support is visible near the $11.50-$12.00 range, establishing a buffer against short-term volatility and making current prices appealing for accumulation ahead of potential positive catalysts.

Altogether, the technical structure implies that SoFi could be transitioning from a consolidation pattern toward renewed upward momentum—particularly if buying volume remains robust on positive news flow.

Fundamental Analysis

A granular assessment of SoFi’s fundamentals showcases a well-balanced blend of rapid expansion and improving operational leverage:

Revenue and Profitability Growth

• Record Revenue: $771 million in Q1 2025, 33% YoY increase, pacing for annual revenues of $3.2–$3.3 billion this year.
• Earnings Power: Net income of $71 million (EPS: $0.06) and adjusted EBITDA of $210 million (+46% YoY) highlight a business model capable of delivering margin expansion as scale intensifies.
• Cross-Segment Strength: Lending remains core, but Financial Services and the Technology Platform are delivering increasing contribution and diversification—critical for durable growth stories in fintech.

Valuation and Market Multiples

• Current Valuation: SoFi’s market capitalization of approx. $13.81 billion against 2025 revenue guidance reflects a forward P/S ratio just over 4x—an attractive multiple relative to fintech peers at comparable growth rates.
• Growth-Adjusted Metrics: PEG ratios remain competitive, with forward P/E becoming increasingly relevant as profitability normalizes, laying the groundwork for future re-rating.
• Book Value Foundation: Book value per share ($6.05) and tangible book ($4.58) enhance downside support, with substantial capital ratios (CET1 at 15.3%) well above regulatory minimums.

Structural and Strategic Advantages

• Innovation Leadership: SoFi’s platform is differentiated by speed to market in digital product launches and proactive expansion into fee-based verticals.
• Member-Centric Ecosystem: The “Financial Services Productivity Loop” powers ongoing member engagement and successful cross-selling, deepening lifetime value.
• Brand Building and Partnerships: Strategic alliances (e.g., with TGL and CMA Fest) enhance brand visibility and engender stronger member loyalty—priceless as competition tightens.
• Bank Charter Edge: Access to low-cost, insured deposits not only improves funding resilience but also positions SoFi to outperform non-bank fintechs in both growth phases and economic slowdowns.

Collectively, the underlying fundamentals justify renewed institutional and retail investor interest, particularly as the company transitions from a break-even narrative to genuine earnings momentum.

Volume and Liquidity

Liquidity and market activity further reinforce conviction in SoFi’s outlook:

• Sustained Trading Volume: Daily volume levels continue to trend robustly above sector peers, illustrating persistent institutional engagement and rapid price discovery.
• Float Structure: With a sizable free float but no excessive dilution, SoFi offers an optimal balance for dynamic price appreciation—evidence of market confidence and healthy turnover.
• Volatility Profile: The stock’s beta (1.87) suggests tactical trading opportunities for active investors, yet recent volume-stabilized recoveries demonstrate improving resilience on the downside.

High and consistent trading interest is indicative of a security that remains “in play,” supporting both strategic accumulation and opportunistic positioning ahead of major news or guidance updates.

Catalysts and Positive Outlook

A forward-looking assessment reveals a landscape rich in potential upside levers:

• New Products and Innovation:
• Enhanced SoFi Money with advanced payment integrations
• Expansions in SoFi Invest, including alternative investments access
• Launch of the “SoFi Plus” tier, deepening engagement and revenue per user
• Loan Platform Business (LPB) Expansion: Third-party loan origination partnerships (e.g., Blue Owl, Fortress) are producing tangible fee-based growth, establishing a scalable income stream independent of interest rate cycles.
• ESG Initiatives: ESG-conscious product evolution, alongside inclusive financial services strategies, align SoFi with the rising tide of responsible investing—potentially expanding the investor base further.
• Sectoral and Regulatory Tailwinds: As fintech adoption accelerates and digital banking regulations clarify across North America, platforms like SoFi—backed by full banking charters—are primed to capitalize.
• Potential Upside from M&A or New Verticals: Given SoFi’s technological capabilities, both organic product launches and selective acquisitions (or partnerships) could catalyze future re-rating, particularly if adjacent growth markets (payments, crypto, SME finance) are pursued effectively.

With management having recently raised 2025 guidance (net revenue, EBITDA, net income, and member growth), the company is setting the pace on both operational execution and market enthusiasms.

Investment Strategies

Current conditions seem to offer well-supported strategies for investors across different time horizons:

• Short-Term Entry:
• Favorable near-term technicals and the likelihood of further bullish responses to upcoming earnings or partnership announcements.
• Attractive entry points identified near technical support levels ($11.50–$12.00), offering natural downside mitigation.
• Medium-Term Positioning:
• Ongoing product launches, expanding LPB, and cross-sell tailwinds offer catalysts for period re-rating and continued share price appreciation.
• Potential for positive earnings revisions and upward momentum as SoFi surpasses operational milestones.
• Long-Term Accumulation:
• The diversification of revenue streams, proven member engagement model, and the structural moat conferred by SoFi’s bank charter lay the groundwork for multi-year compound growth.
• As SoFi approaches a normalized earnings base and captures greater share in digital banking, the underlying story becomes one of sustainable value creation.

Thus, whether an investor seeks tactical exposure on technical lows or a foundational position ahead of structural catalysts, SoFi’s profile today justifies renewed consideration for portfolio inclusion.

Is It the Right Time to Buy SoFi?

Bringing all perspectives together, SoFi Technologies is demonstrating the core strengths required for leadership in tomorrow’s digital finance landscape: accelerating revenue and member growth, early shifts to profitability, institutional-level risk controls, and the flexibility to innovate and scale. The combination of strong fundamentals, supportive technical structure, sustained volume, and a multi-layered catalyst roadmap paints a picture of a stock that seems to represent an excellent opportunity at current levels.

Given SoFi’s raised financial guidance, the evolution of its member-centric fintech ecosystem, and the broadening revenue streams now coming into focus, the stock’s risk/reward profile appears increasingly attractive for investors in search of tech-driven growth with a financial backbone. While competitive and regulatory risks merit prudent monitoring—particularly given the stock’s volatility—the company’s bank charter advantage, cross-selling dynamism, and disciplined expansion strategies suggest SoFi could be entering a new bullish phase in 2025.

In summary, SoFi’s current positioning, combined with its positive operational momentum and strategic outlook, offers a timely window for those looking to participate in the ongoing evolution of North American digital finance—with valuation and growth characteristics that more than justify renewed investor interest. For those seeking exposure to the intersection of technology and banking innovation, SoFi appears poised for an outsized impact as the space accelerates into the next cycle.

How to buy SoFi stock in Canada?

Buying SoFi stock online in Canada is both straightforward and secure when you use a regulated broker. Whether you're just starting out or already familiar with the markets, online platforms make the process accessible for all investors. The two main ways to invest in SoFi Technologies (SOFI) shares are buying the shares directly (“spot buying”) or trading using Contracts for Difference (CFDs). Each approach offers unique advantages and considerations. Further down this page, you’ll find a comparison tool to help you choose the right broker for your individual needs.

Spot Buying

A cash or “spot” purchase means you buy SoFi shares outright and become a direct shareholder. This classic investment method is ideal for those who want to hold their shares for the long term and benefit from any gains if the stock price rises. Most Canadian online brokers charge a fixed commission per transaction (usually around $5–$10 CAD).

Example

Suppose SoFi stock is trading at $12.51 CAD per share. With a $1,000 CAD investment and a $5 commission, you could buy about 79 shares of SoFi. Here’s how it could play out:
✔ Gain scenario:
If SoFi’s share price increases by 10%, your 79 shares would now be worth about $1,100.
Result: That’s a $100 gross gain—an increase of 10% on your initial investment (excluding taxes).

Trading via CFD

A CFD (Contract for Difference) lets you speculate on SoFi’s share price movements without actually owning the shares. This method is popular for short-term trading and allows you to use leverage to amplify potential gains (or losses). Instead of a fixed commission, CFDs typically involve a spread (the difference between buy and sell price) and, for overnight positions, a small daily financing fee.

Example

Imagine you invest $1,000 CAD in a CFD on SoFi stock using 5x leverage. This gives you market exposure of $5,000.
✔ Gain scenario:
If SoFi’s share price rises by 8%, your leveraged position increases by 8% × 5 = 40%.
Result: That’s a $400 gain on your $1,000 stake (before factoring in spreads and overnight fees).

Final Advice

Before buying SoFi stock, it’s important to compare broker fees, trading features, and account conditions. Each broker has its own pricing and service model—which can significantly impact your returns. Your investment approach, time horizon, and risk appetite should determine whether cash buying or CFD trading best suits your goals. To help you get started, use the broker comparison tool further down the page to find the best platform for your SoFi investment journey.

Platforms

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Our 7 tips for buying SoFi stock

The latest news about SoFi

SoFi reports record-breaking Q1 2025 financial results, including substantial revenue, member, and profit growth. In its latest earnings release, SoFi Technologies announced adjusted net revenue of $771 million for Q1 2025, up 33% year-over-year, and a net income of $71 million, underpinning growing profitability. The company added 800,000 new members this quarter, reflecting a 34% year-over-year rise, with total products reaching 15.9 million. These strong fundamental results and the upward revision of its full-year guidance have contributed to renewed investor confidence and could increase the appeal of SOFI shares among Canadian-based analysts and portfolio managers interested in high-growth North American fintech equities.

SoFi’s expansion of its Loan Platform Business (LPB) and strategic institutional partnerships signal robust fee-based growth potential. The company's LPB generated $96 million in revenue in Q1 and secured several major partnerships, including a $5 billion deal with Blue Owl, a $2 billion extension with Fortress, and a $1.2 billion agreement with Edge Focus. These collaborations diversify revenue streams, making SoFi less dependent on net interest income and more resilient amid shifting macroeconomic or regulatory environments. For Canadian market watchers, the scalability of SoFi’s B2B loan platform—especially its successful partnerships with established financial institutions—suggests positive momentum for similar fintech collaborations in the Canadian market, whether for technological adoption or cross-border capital flows.

SoFi’s financial health is reinforced by a strong balance sheet and superior risk management metrics, supporting long-term stability. The company reported $37.7 billion in total assets, $27.3 billion in deposits, and $6.7 billion in total equity, with a Common Equity Tier 1 (CET1) risk-based capital ratio of 15.3%, significantly above regulatory minimums. Credit performance continues to improve: the 90-day loan delinquency and charge-off rates decreased, and loan portfolios boast high-quality borrowers with above-average FICO scores. For Canadian institutional investors, SoFi’s robust capital position and prudent credit risk management offer assurance that the company is well equipped to weather market volatility and tightening credit cycles.

Technical indicators for SOFI shares generally suggest a favorable outlook, with “Buy” signals across key moving averages. Technical analysis for the past week points to bullish sentiment: the 10-, 20-, 50-, and 200-day EMAs all indicate “Buy,” with only a few neutral or bearish signals among other momentum indicators such as RSI and MACD. The overall technical consensus remains positive with 11 bullish indicators. This technical strength is likely to be interpreted as a constructive sign by Canadian traders and asset managers, particularly those seeking momentum or short- to medium-term opportunities in U.S.-listed fintech stocks.

SoFi’s product innovation and premium membership model drive cross-selling and customer engagement, with potential implications for Canadian digital banking trends. The company has rolled out new features such as self-service wires and broader digital payment options for SoFi Money, as well as alternative investments for SoFi Invest, which are contributing to sharp increases in both user engagement and cross-product adoption. Nearly 30% of SoFi Plus premium tier members add another product within 30 days. For Canadian observers, SoFi’s focus on integrated digital services and successful upsell strategies provide a compelling case study for domestic banks and fintechs seeking to boost digital ecosystem usage or introduce tiered premium marketplaces, potentially influencing similar innovations north of the border.

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.