SoFi (SOFI) Valuation Check After User Growth Surge, Earnings Beats and New Crypto Trading Push

SoFi Technologies (SOFI) is heading into its UBS Global Technology and AI Conference appearance with a very different backdrop than a year ago, thanks to stronger earnings, surging member growth, and a fresh crypto trading push.

See our latest analysis for SoFi Technologies.

That backdrop has been echoed in the market, with SoFi’s year to date share price return of 105.73% and a three year total shareholder return of 560.68% signaling powerful momentum that reflects rising confidence in its growth story.

If SoFi’s move into AI and crypto has caught your attention, it is also worth exploring other innovative names via our curated list of high growth tech and AI stocks.

Yet with shares now trading above average analyst targets after a triple digit run, is SoFi still a mispriced fintech standout, or has the market already baked in the next leg of its growth story?

Most Popular Narrative: 108% Overvalued

With SoFi last closing at $29.07 versus a narrative fair value of $14.00, expectations lean far ahead of price history and recent fundamentals.

SoFi Stock: Explosive Growth, Real Profits. SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor; it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million, up 38% year-over-year, and adjusted net revenue of $950 million.

Read the complete narrative.

Want to see how sustained double digit growth, rising profitability, and a premium future earnings multiple combine to justify that gap? Unlock the narrative’s full valuation playbook.

Result: Fair Value of $14.0 (OVERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, sustained margin pressure from lower rates and intensifying fintech competition could quickly challenge SoFi’s lofty growth and valuation assumptions.

Find out about the key risks to this SoFi Technologies narrative.

Build Your Own SoFi Technologies Narrative

If you are skeptical of this view or simply prefer to dig into the numbers yourself, you can quickly craft a personalized take in under three minutes: Do it your way.

A great starting point for your SoFi Technologies research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.

Ready for your next investing edge?

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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