Should You Buy SoFi Technologies While It's Below $25?

Despite shares falling 13% truthful acold successful 2026 (as of Jan. 30), SoFi Technologies (NASDAQ: SOFI) has been connected its mode up. They person soared 284% conscionable successful the past 3 years, arsenic the marketplace continues to digest precise favorable fiscal results.

With the fintech stock presently trading beneath $25, should you bargain SoFi? It's casual to beryllium bullish, but investors shouldn't disregard a captious metric.

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Last year, investors had to woody with a curveball with large changes coming to commercialized policy. Additionally, user assurance conscionable fell to a adjacent 12-year low. And determination is nary shortage of ongoing geopolitical tension.

Despite a dynamic backdrop, SoFi continued to showcase awesome cardinal momentum. The burgeoning integer slope reported 38% year-over-year adjusted gross maturation to $3.6 cardinal successful 2025, aft reporting its archetypal ever $1 cardinal 4th successful Q4. It present has 13.7 cardinal customers, adding 1 cardinal conscionable successful the past 3 months.

The cross-selling is working. SoFi mentioned that 40% of caller products were opened by existing customers. Loan originations are soaring. The concern is innovating successful the crypto and blockchain space, enabling trading and launching its ain stablecoin. And recognition metrics stay solid.

It has besides been singular to spot SoFi crook the leafage financially. What was erstwhile a consistently unprofitable institution has morphed into a money-making machine. Adjusted nett income totaled $173.5 cardinal successful Q4 2025, up 184% compared to the year-ago period.

The enactment squad doesn't expect the concern to instrumentality its ft disconnected the gas. Guidance calls for 30% gross maturation successful 2026. Diluted net per stock (EPS) are expected to leap 54% this year.

Valuations of companies that are experiencing beardown maturation tin often look expensive, peculiarly arsenic absorption teams optimize for gross gains astatine the disbursal of affirmative earnings. Consequently, investors that lone look astatine the concern astatine the aboveground level mightiness not get the afloat picture. SoFi shares commercialized astatine a guardant price-to-earnings ratio of 41.3. This tin crook definite marketplace participants away.

It's ever important to deliberation astir valuation earlier buying a stock. However, successful this instance, I judge it makes consciousness to thin connected the bullish broadside of the debate. That assurance stems from SoFi's unthinkable net trajectory, arsenic noted. Sell-side analysts expect the bully times to roll, with the statement forecast calling for EPS to balloon, agreeing with what absorption thinks.