SoFi Technologies (SOFI) Is Up 18.0% After Record Q3 Revenue and Blockchain Remittance Launch - Has The Bull Case Changed?

• SoFi Technologies reported record adjusted net revenue of US$950 million for Q3 2025, reflecting a 38% year-over-year increase and ongoing expansion of its fintech platform.
• New innovations such as blockchain-powered remittances and in-app cryptocurrency trading have driven strong user growth, while heightened institutional interest was marked by a rise in hedge fund portfolios and active options trading.
• We’ll explore how the launch of SoFi Pay with blockchain-powered remittances could shape the company’s broader investment outlook.

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SoFi Technologies Investment Narrative Recap

To be a SoFi Technologies shareholder right now, you need to believe in the company’s ability to monetize rapid product innovation and sustain strong user growth, while transitioning into a scalable, fee-centric platform. The latest record revenue news supports short-term optimism tied to product and membership growth, but does not materially shift the key short-term catalyst, management’s focus on unit economics, or the primary risk relating to future revenue growth if digital adoption slows.

The recent launch of SoFi Pay, featuring blockchain-powered international remittances, exemplifies the company’s push into diversified digital services and could provide additional momentum to member growth and engagement. This move is timely, as investor expectations remain elevated around SoFi’s ability to unlock new revenue streams through technology-driven financial solutions.

However, in contrast, investors should be aware of the risk that if actual digital adoption or product usage growth moderates relative to expectations...

Read the full narrative on SoFi Technologies (it's free!)

SoFi Technologies' narrative projects $5.1 billion in revenue and $954.1 million in earnings by 2028. This requires 19.3% yearly revenue growth and a $392.5 million earnings increase from $561.6 million today.

Uncover how SoFi Technologies' forecasts yield a $26.61 fair value, a 10% downside to its current price.

Exploring Other Perspectives

Simply Wall St Community members estimate SoFi’s fair value between US$9.24 and US$30.35, reflecting 58 distinct views. Investor expectations for digital product adoption and cross-sell opportunities continue to shape both optimism and caution around future growth, explore how your own outlook compares to these diverse perspectives.

Explore 58 other fair value estimates on SoFi Technologies - why the stock might be worth less than half the current price!

Build Your Own SoFi Technologies Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• 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.
• Our free SoFi Technologies research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate SoFi Technologies' overall financial health at a glance.

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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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