SoFi ( (SOFI) ) has been popular among investors this week. Here is a recap of the key news on this stock.
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SoFi Technologies, a digital banking disruptor, continues to polarize Wall Street analysts with its volatile stock performance. Despite a recent 8.91% decline in stock price, SoFi has shown remarkable growth, with its stock up nearly 73% year-to-date. The company has successfully transitioned from a niche lender to a primary banking destination, boasting a member base that has grown nearly eighteenfold since 2019. In Q3 2025 alone, SoFi added nearly a million new users, pushing its total unique member count past 12.6 million, marking a 34.8% year-over-year increase. This growth has been supported by SoFi’s innovative approach, including its recent launch of SoFi Crypto, making it the first nationally chartered bank to offer direct crypto trading.
Despite its impressive growth metrics, SoFi faces challenges with its high valuation, trading at a forward P/E ratio of roughly 45x and a P/B multiple of 3.6x. Critics argue that these metrics make the stock appear expensive, yet proponents suggest that SoFi’s growth potential justifies the premium. The company’s profitability has been on the rise, with GAAP profitability achieved in 2024 and adjusted EBITDA margins hitting 29% in its latest update. However, concerns about macroeconomic factors, such as interest rate changes and credit quality, continue to weigh on investor sentiment. Analysts remain divided, with a consensus Hold rating and a price target implying a slight downside, reflecting the complex dynamics at play for SoFi Technologies.