SoFi Technologies (SOFI) is a digital financial services company that operates consumer lending, investing, banking, and other online personal financial solutions. In recent years, SoFi has emerged as a central player in next-generation fintech.

Overall market sentiment now sees investors favoring profitability and operating rigor at the expense of high-growth tech and fintech stocks. But with accelerating growth in revenues, enhancing earnings per share, and a vertically tegrated platform model, SoFi could well be at a turning point. For investors looking to play next-gen financial services, this year’s pullback might present an attractive point of entry, if underlying fundamentals continue to hold.

SoFi has been one of the hottest fintech stocks over the past few years, but 2025 so far has been a bumpy ride for shareholders. Despite the drop, SoFi is adding users, building out products, and beating earnings estimates. These are the sorts of signs that patient investors are taking a close look at.

About SoFi Technologies Stock

SoFi Technologies (SOFI), headquartered in San Francisco, is a digital-first finance company. With a market capitalization of $11.74 billion, SoFi is a key player in next-gen fintech.

Shares have slumped nearly 30% year-to-date, severely lagging the Nasdaq Composite Index ($NASX) and the broader S&P 500 Index ($SPX). After peaking above $18 in early 2024, SOFI is now trading under $11, reflecting investor caution around profitability and rising rate exposure. However, the stock has shown signs of bottoming out, up nearly 10% over the past five sessions.

Valuation-wise, SoFi trades at a forward price-earnings ratio of 41.8x and a forward price-sales ratio of 4.3x. Its price-to-cash-flow multiple stands at 26.75x. While expensive compared to traditional banks, the premium reflects SoFi's rapid growth and expanding ecosystem. For a fintech growing sales at over 400% over five years, the valuation may be justified, especially if margin expansion plays out as expected.

SoFi Technologies Beats on Earnings

In the quarter ending December 2024, SoFi reported EPS of $0.05, beating the $0.04 consensus by 25%. That marks the company’s fourth consecutive earnings beat, including a 100% upside surprise in Q1 2024 and consistent beats through Q3 and Q4.

Looking ahead, the average EPS estimate for Q1 2025 is $0.03, which represents 50% year-over-year growth versus $0.02 in the prior year. For Q2 2025, analysts forecast $0.05 EPS, a whopping 400% jump from $0.01 in Q2 2024. Full-year 2025 EPS is projected at $0.25, up 66.7% from FY2024. And FY2026 earnings are expected to double again to $0.50, underscoring SoFi’s growth trajectory. 

SoFi's next confirmed earnings release is scheduled for April 29, 2025 before market open. Investors will be watching closely for updates on SoFi Plus adoption, fee-based revenue, and B2B traction across its Galileo and Apex platforms.

What Do Analysts Expect for SoFi Technologies Stock?

SoFi stock currently holds a “Hold” consensus rating from 18 analysts, with an average score of 3.28, slightly down from 3.33 a month ago. Among the analysts covering the stock, five rate it a “Strong Buy,” one assigns a “Moderate Buy,” eight have a “Hold” rating, two recommend a “Moderate Sell,” and two more rate it a “Strong Sell.”

Although sentiment is mixed, the trend has stabilized over the past three months. This suggests that despite short-term volatility, analysts remain cautiously optimistic. Continued earnings beats and margin expansion could prompt upward revisions if SoFi sustains its current growth momentum.