SoFi Technologies (SOFI): Assessing Valuation as Crypto Trading Launch Fuels Fintech Momentum and Record Growth

SoFi Technologies (SOFI) just made waves by becoming the first nationally chartered bank to roll out consumer crypto trading. This strategic step positions the company at the forefront of digital financial services and draws the spotlight back to its expanding fintech platform.

See our latest analysis for SoFi Technologies.

With 2025 bringing SoFi’s crypto launch, record member growth, and a new focus on financial empowerment, momentum has been building fast. This is reflected in the 127.95% year-to-date share price return and a staggering 138.59% total shareholder return over the past year. Strong earnings and upbeat guidance show both short- and long-term performance trends remain firmly positive as SoFi’s digital-first strategy gains traction.

If SoFi’s momentum is on your radar, it could be the perfect time to broaden your view and discover fast growing stocks with high insider ownership

But with SoFi’s share price soaring and expectations running high, the question remains: is there untapped value left for investors, or is the market already pricing in all that future growth?

Most Popular Narrative: 130% Overvalued

SoFi’s last close stands far above its most popular narrative fair value estimate, reflecting a major divergence in views on just how much growth is already priced in. This sharp gap sets up a debate over whether recent momentum can sustain such a premium.

SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor. It is now 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. Net income reached $139 million, marking its eighth consecutive quarter of profitability, while adjusted EBITDA rose 49% to $277 million.

Read the complete narrative.

Want to understand what really drives SoFi’s towering valuation? The narrative projects a future shaped by breakneck earnings growth and outsized profit margins. What financial milestones fuel this optimism? Dive in to see which numbers and management moves support that ambitious fair value.

Result: Fair Value of $14.00 (OVERVALUED)

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

However, SoFi’s heavy dependence on lending margins, along with the possibility of rate shifts or regulatory changes, could quickly challenge its growth story.

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

Build Your Own SoFi Technologies Narrative

Not convinced by the current forecast or want to put your own spin on things? Try exploring the data yourself and craft a narrative in just 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.

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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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