SoFi Technologies (SOFI), a digital personal finance company, is set to report its second-quarter 2025 earnings on July 29, and many investors are weighing whether the stock is still a good buy. Shares have soared more than 200% in one year and by 75% over the last three months, supported by strong financial performance and a growing customer base. The company’s move into stablecoins and other crypto offerings has also caught investor attention. Still, the sharp rise in its stock price has raised concerns about valuation, which may limit further gains in the near term. As a result, analysts are heading into the Q2 report with caution and see a 21% potential downside risk from current levels.
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What to Watch on July 29
Wall Street expects SoFi to report earnings of $0.06 per share, up 500% from the same quarter last year. It’s also worth highlighting that the company has beaten EPS estimates in eight of its previous nine quarters, meaning there’s a strong chance it will do so again. Also, revenue is expected to increase by about 35% year-over-year to $804 million.
Top Analyst’s Views Ahead of the Q2 Print
Ahead of SoFi’s Q2 2025 earnings report, five-star analyst Moshe Orenbuch of TD Cowen has maintained a Hold rating with a $21 price target, reflecting limited near-term visibility.
For Q2, he expects earnings per share to come in at $0.06, which is at the top end of SoFi’s guidance. The firm sees strong growth in personal loan originations, which are expected to hit $6.5 billion this quarter, driving total originations to $8.1 billion.
However, student and home loan volumes are expected to remain weak. One key area of focus will be the Loan Platform Business (LPB), which is expected to contribute around 12% of total adjusted revenue. Investors will be watching for updates on new LPB partnerships and demand outlook.
Is SOFI a Good Stock to Buy?
Overall, Wall Street has a Hold consensus rating on SoFi Technologies stock based on five Buys, eight Holds, and three Sell recommendations. The average SOFI stock price target of $17.08 indicates about 21% downside risk from current levels.
