Is SoFi Stock Worth Buying at This $25 Price Level?

SoFi Technologies shares have experienced significant volatility in early 2026, but the underlying business fundamentals tell a compelling story. With the stock trading near the $25 mark, investors face an intriguing decision point. The question isn’t simply whether to buy, but rather whether current valuation reflects the company’s explosive growth trajectory.

Attractive Entry Point Around 25 Dollars

Despite a 13% pullback so far in 2026, SoFi’s three-year performance has been nothing short of remarkable, with shares rallying 284%. The recent weakness has created what many view as an opportunity. Trading in the $25 range represents a potential entry point for investors willing to look beyond near-term price fluctuations. The timing matters because the company’s latest quarterly results suggest the narrative is only accelerating.

Impressive Earnings Momentum Accelerates Through 2025

The financial community is taking notice of SoFi’s transformation. For 2025, the fintech company delivered adjusted revenue growth of 38% year-over-year, reaching $3.6 billion. More notably, the fourth quarter marked a historic milestone—the first $1 billion revenue quarter in company history, with the customer base expanding by 1 million users in just three months.

The profit story deserves equal attention. Adjusted net income in Q4 2025 surged 184% compared to the prior year, hitting $173.5 million. This represents a fundamental shift. What was once a perpetually unprofitable venture has metamorphosed into a consistently profitable operation. Management’s forward guidance only reinforces this positive trajectory, with expectations for 30% revenue growth and a projected 54% increase in diluted earnings per share throughout 2026.

Digital Banking Strategy Driving Customer Growth

Beyond headline numbers, SoFi’s operational execution reveals why investors should pay attention. The bank’s cross-selling initiatives are working precisely as designed, with 40% of newly opened products coming from existing customer relationships. This organic expansion demonstrates genuine business strength rather than acquisition-driven growth.

The customer base has now reached 13.7 million accounts. Loan originations continue climbing, and the company is simultaneously venturing into emerging areas like blockchain technology and cryptocurrency trading. Leadership even launched its own stablecoin, positioning SoFi at the intersection of traditional banking and digital assets. Consumer credit metrics remain solid throughout this expansion, suggesting the growth is sustainable rather than reckless.

CEO Anthony Noto summarized the opportunity concisely: “Our one-stop shop is scaling exactly as intended and delivering a winning combination of growth and returns.”

Valuation Premium Justified by Forward Earnings Power

A critical consideration that stops some investors in their tracks is the current valuation. SoFi trades at a forward price-to-earnings ratio of 41.3, which by historical standards appears elevated. Many market participants immediately dismiss growth stocks trading at such multiples, assuming the market has already priced in all positive scenarios.

However, this perspective misses a crucial context. Analyst consensus aligns with management’s bullish projections. If SoFi can sustain the earnings growth trajectory outlined—the 54% EPS expansion for 2026—then the current multiple begins to look reasonable in retrospect. The valuation premium reflects anticipated earnings power, not speculation. When a company can grow profits at this pace while expanding its addressable market, premium pricing has precedent.

Making Your Investment Decision

The path forward for SoFi shareholders hinges on a straightforward premise: Can the company execute on its guidance? The evidence from 2025 suggests yes. Revenue growth accelerated, profitability materialized, and customer acquisition economics improved rather than deteriorated.

For investors evaluating whether sub-$25 levels represent an entry opportunity, the fundamental question isn’t price alone—it’s whether you believe in SoFi’s business model transformation. The company has transitioned from a growth story dependent on continuous customer acquisition at any cost to a balanced narrative combining expansion with profitability. That shift deserves consideration as you contemplate whether now is the time to establish or increase your position at these price points.

The stock’s recent weakness may ultimately prove temporary, particularly if upcoming quarterly results validate management guidance.