SoFi Technologies

Should I Buy SoFi Technologies Stock in 2025? Complete Analysis for PH Investors

Is SoFi Technologies stock a buy right now?

Last update: May 27, 2025
SoFi Technologies
SoFi Technologies
4.3
hellosafe-logoScore
SoFi Technologies
SoFi Technologies
4.3
hellosafe-logoScore
P. Laurore
P. LauroreFinance expert

SoFi Technologies (NASDAQ: SOFI) sits squarely at the forefront of digital banking and fintech innovation, carving out a unique position in the U.S. financial services sector. As of late May 2025, SoFi trades at approximately $13.09 per share, with robust liquidity evident in the average daily volume of 58.77 million shares—a reflection of strong institutional and retail interest. Following the release of record first-quarter results, including sixth straight quarter of profitability and revenue soaring to $771.8 million (20% year-over-year growth), SoFi has reinforced its reputation as a fintech leader able to translate rapid member and product growth into expanding earnings. Notable recent developments include expansion of the Loan Platform Business through high-profile partnerships and a renewed focus on capital-light fee-based revenue, signaling strategic agility. The overall market sentiment remains constructively optimistic: while the price has consolidated recently, the cooling volatility and accumulation by large investors suggest confidence in the company’s prospects. Within a competitive and rapidly evolving sector, SoFi’s vertical integration, national bank charter, and proprietary technology stack remain clear differentiators. On this solid foundation, a consensus of more than 33 leading national and international banks has set a target price of $17.00 for SoFi—pointing to continuing upside as it leverages its comprehensive platform for future growth.

  • Consistent 30%+ annual member and product growth, now exceeding 10.9 million members.
  • Record profitability with six consecutive profitable quarters and rising adjusted EBITDA margin.
  • Diversified revenue base: 41% now capital-light, reducing balance sheet risk.
  • National bank charter provides regulatory and funding advantages over many fintech peers.
  • Proprietary technology via Galileo and Technisys enables scalable, future-ready operations.
  • Forward P/E ratio above sector median, reflecting expectations for high growth.
  • Competition in fintech and banking sectors remains intense and could pressure margins.
  • Consistent 30%+ annual member and product growth, now exceeding 10.9 million members.
  • Record profitability with six consecutive profitable quarters and rising adjusted EBITDA margin.
  • Diversified revenue base: 41% now capital-light, reducing balance sheet risk.
  • National bank charter provides regulatory and funding advantages over many fintech peers.
  • Proprietary technology via Galileo and Technisys enables scalable, future-ready operations.

Is SoFi Technologies stock a buy right now?

Last update: May 27, 2025
P. Laurore
P. LauroreFinance expert
SoFi Technologies
SoFi Technologies
4.3
hellosafe-logoScore
SoFi Technologies
SoFi Technologies
4.3
hellosafe-logoScore

SoFi Technologies (NASDAQ: SOFI) sits squarely at the forefront of digital banking and fintech innovation, carving out a unique position in the U.S. financial services sector. As of late May 2025, SoFi trades at approximately $13.09 per share, with robust liquidity evident in the average daily volume of 58.77 million shares—a reflection of strong institutional and retail interest. Following the release of record first-quarter results, including sixth straight quarter of profitability and revenue soaring to $771.8 million (20% year-over-year growth), SoFi has reinforced its reputation as a fintech leader able to translate rapid member and product growth into expanding earnings. Notable recent developments include expansion of the Loan Platform Business through high-profile partnerships and a renewed focus on capital-light fee-based revenue, signaling strategic agility. The overall market sentiment remains constructively optimistic: while the price has consolidated recently, the cooling volatility and accumulation by large investors suggest confidence in the company’s prospects. Within a competitive and rapidly evolving sector, SoFi’s vertical integration, national bank charter, and proprietary technology stack remain clear differentiators. On this solid foundation, a consensus of more than 33 leading national and international banks has set a target price of $17.00 for SoFi—pointing to continuing upside as it leverages its comprehensive platform for future growth.

  • Consistent 30%+ annual member and product growth, now exceeding 10.9 million members.
  • Record profitability with six consecutive profitable quarters and rising adjusted EBITDA margin.
  • Diversified revenue base: 41% now capital-light, reducing balance sheet risk.
  • National bank charter provides regulatory and funding advantages over many fintech peers.
  • Proprietary technology via Galileo and Technisys enables scalable, future-ready operations.
  • Forward P/E ratio above sector median, reflecting expectations for high growth.
  • Competition in fintech and banking sectors remains intense and could pressure margins.
  • Consistent 30%+ annual member and product growth, now exceeding 10.9 million members.
  • Record profitability with six consecutive profitable quarters and rising adjusted EBITDA margin.
  • Diversified revenue base: 41% now capital-light, reducing balance sheet risk.
  • National bank charter provides regulatory and funding advantages over many fintech peers.
  • Proprietary technology via Galileo and Technisys enables scalable, future-ready operations.
Table of Contents
  • What is SoFi Technologies?
  • How much is SoFi Technologies stock?
  • Our full analysis on SoFi Technologies </b>stock
  • How to buy SoFi Technologies stock in the PH?
  • Our 7 tips for buying SoFi Technologies stock
  • The latest news about SoFi Technologies
  • FAQ

What is SoFi Technologies?

IndicatorValueAnalysis
🏳️ NationalityUnited StatesUS-based fintech with a national banking charter, enabling access to cheaper funding sources.
💼 MarketNASDAQListed on the NASDAQ, providing global visibility and liquidity for investors.
🏛️ ISIN codeUS83406F1021Unique international identifier ensures trading access across global broker platforms.
👤 CEOAnthony NotoVeteran leader with strong fintech and financial markets background, supporting strategic execution.
🏢 Market cap$14.47 billionLarge-cap fintech, which draws institutional attention but may face higher volatility than banks.
📈 Revenue$3.24–$3.31 billion (2025E)Revenue is projected to grow 24–27% year-over-year, showing strong business expansion.
💹 EBITDA$875–$895 million (2025E)EBITDA up significantly, indicating operational leverage and business model scalability opportunity.
📊 P/E Ratio (Price/Earnings)30.44 (current), 40.98 (forward)High multiples signal growth expectations, but valuation risks exist versus traditional banks.
🏳️ Nationality
Value
United States
Analysis
US-based fintech with a national banking charter, enabling access to cheaper funding sources.
💼 Market
Value
NASDAQ
Analysis
Listed on the NASDAQ, providing global visibility and liquidity for investors.
🏛️ ISIN code
Value
US83406F1021
Analysis
Unique international identifier ensures trading access across global broker platforms.
👤 CEO
Value
Anthony Noto
Analysis
Veteran leader with strong fintech and financial markets background, supporting strategic execution.
🏢 Market cap
Value
$14.47 billion
Analysis
Large-cap fintech, which draws institutional attention but may face higher volatility than banks.
📈 Revenue
Value
$3.24–$3.31 billion (2025E)
Analysis
Revenue is projected to grow 24–27% year-over-year, showing strong business expansion.
💹 EBITDA
Value
$875–$895 million (2025E)
Analysis
EBITDA up significantly, indicating operational leverage and business model scalability opportunity.
📊 P/E Ratio (Price/Earnings)
Value
30.44 (current), 40.98 (forward)
Analysis
High multiples signal growth expectations, but valuation risks exist versus traditional banks.

How much is SoFi Technologies stock?

The price of SoFi Technologies stock is falling this week. As of now, SoFi trades at $13.09, reflecting a 0.76% decrease over the last 24 hours and a 5.96% drop for the week. The company holds a market capitalization of $14.47 billion, with an average trading volume of 58.77 million shares over the past three months. Its P/E ratio stands at 30.44, with no current dividend payout, and a beta of 1.86 showing relatively high price movement compared to the market. With volatility in mind, SOFI attracts attention from investors looking for dynamic opportunities in the fintech sector.

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Our full analysis on SoFi Technologies stock

Having closely reviewed SoFi Technologies’ latest quarterly financials alongside its share price evolution over the past three years, our proprietary framework—which synthesizes financial metrics, technical signals, sector trends, and competitive benchmarking—points to a stock positioned at the heart of fintech’s transformation. Drawing from SoFi’s robust operational progress, technical resilience, and expanding strategic footprint, the analysis below explains the key factors shaping its premium market status. So, why might SoFi Technologies stock once again become a strategic entry point into the high-growth fintech sector in 2025?

Recent Performance and Market Context

SoFi Technologies (NASDAQ: SOFI) remains a dynamic player within the global fintech landscape, increasingly relevant for both institutional and retail investors, including those in the Philippine market seeking USD-denominated, US-listed opportunities. The stock is currently trading at $13.09, reflecting a brief 24-hour pullback (-0.76%) and a modest 1-week dip (-5.96%). However, measuring SoFi’s trajectory in context, the shares have posted an impressive +89.16% gain over the past year, substantially outperforming many sector peers and broad indices.

This substantial annual appreciation underscores a powerful growth narrative, buoyed by expanding user adoption and strong financial results. While the past six months witnessed some consolidation (-16.09%), recent events have reignited optimism:

  • Q1 2025 record results shattered expectations, with top-line and bottom-line beats.
  • Management’s raised 2025 full-year guidance signals rising confidence in the underlying business momentum.
  • Strategic partnerships—especially new loan platform commitments with Blue Owl and Fortress—expand future revenue visibility and competitive positioning.

From a macro standpoint, the fintech sector is entering a period of renewed favor, as elevated interest rates, booming digital adoption, and regulatory evolution drive demand for integrated financial services. In the US and across APAC (including the PH market), robust consumer digitalization trends, combined with SoFi’s US bank charter, create an especially attractive backdrop for continued growth and innovation.

Technical Analysis

SoFi’s current trading setup exhibits a compelling blend of technical resilience and early-bullish momentum, ideal for investors seeking favorable entry conditions.

  • Moving Averages:
    • The price sits below the 20-day ($13.26) and 100-day ($13.60) SMAs—typically indicative of near-term consolidation.
    • Crucially, the price remains above both the 50-day ($12.29) and 200-day ($12.21) SMAs, highlighting sustained medium-term strength and potential for continuation runs.
  • Momentum:
    • RSI at 51.49 is neutral, suggesting ample room for upside before risk of overextension.
    • The MACD at 0.31 points to bullish momentum re-emerging after consolidation—an encouraging early signal for a new upward phase.
  • Support/Resistance and Trend Structure:
    • Strong support at $13.08 (current price level) and at $12.79 provides an attractive risk/reward profile for new buyers.
    • The next resistance levels stand at $13.90-$14.30; a decisive break above this range could trigger a technical rally toward the upper end of the 52-week range ($18.42).
  • Institutional Flow:
    • Recent upticks in large-lot trading and general volume indicate growing institutional conviction, an essential pillar for sustainable rallies.

With price consolidation just above major average levels and rising large-trader participation, SoFi’s technical picture seems to support the thesis that a new bullish phase may be underway, making current levels an intriguing consideration for well-timed entries.

Fundamental Analysis

On a fundamental basis, SoFi Technologies stands out as one of the fastest-scaling, most innovative public fintechs in the world:

  • Robust Revenue and Profitability Growth:
    • Q1 2025 revenue reached a record $771.8 million (GAAP), surging 20% y/y; adjusted net revenue leapt 33% y/y.
    • Net income of $71.1 million marks the sixth consecutive profitable quarter—a major milestone for a fintech previously known for high reinvestment.
    • Adjusted EBITDA at $210.3 million, up 46% y/y, underscores rapidly improving operational leverage and margin expansion (adjusted EBITDA margin: 27%).
  • Compelling Growth and Scale:
    • Member base at 10.9 million (+34% y/y), with total products at 15.9 million (+35% y/y).
    • Fee-based revenue now constitutes over 41% of total revenue, up 67% y/y—accelerating SoFi’s transition to a capital-light, scalable business model.
    • All-time-high loan originations ($7.2 billion, +66% y/y) provide strong top-line and cross-sell tailwinds.
  • Valuation:
    • P/E ratio at 30.44 and forward P/E at 40.98 reflect a premium to traditional banks but is justified by growth rates rarely matched in fintech.
    • Price-to-book at 2.17 remains attractive given the premium SoFi commands for its technology and IP, as compared to legacy financials.
  • Structural Advantages:
    • Integrated Ecosystem: Cross-selling and digital-first experience drive both retention and incremental product usage.
    • Technology Leadership: Full-stack ownership via Galileo and Technisys strengthens differentiation and supports future b2b platform expansion.
    • Brand Equity & Reach: National partnerships (NBA, top entertainment events) bolster recognition, aiding both direct member growth and third-party partnerships.
    • Bank Charter: Since 2022, this status not only lowers funding costs but also supports regulatory credibility and future expansion into higher-margin segments (i.e., insured deposits, payment flows).

In summary, SoFi’s blend of high growth, operational discipline, and strategic innovation justifies a renewed sense of optimism in its current and future valuation.

Volume and Liquidity

The average 3-month daily volume—58.77 million shares—places SoFi among the most actively traded fintech equities on the NASDAQ. This deep liquidity ensures:

  • Efficient entry and exit for investors, supporting both short-term traders and long-term capital allocators.
  • Tight bid-ask spreads and high float, making the stock particularly well-suited to dynamic portfolio strategies or tactical allocations.
  • Sustained market confidence, as repeated surges in volume often follow the release of positive corporate developments or supportive macro headline flows.

Overall, the robust liquidity profile not only enables tactical positioning but also attracts institutional investors who seek scalable exposure to the fintech transformation story.

Catalysts and Positive Outlook

A series of well-defined catalysts sets the stage for further appreciation:

  • Record Q1 2025 and Upgraded Guidance: Management’s upgraded 2025 outlook (revenue: $3.235–$3.310 billion, adj. EBITDA: $875–$895 million, net income: $320–$330 million) signals notable transparency and confidence.
  • New Lending Partnerships: $8+ billion in fresh commitments through Blue Owl and Fortress expands SoFi’s addressable market and revenue diversification.
  • Product Innovation: Launch of SoFi Plus and upcoming offerings aimed at prime credit card users tap into new, high-value customer cohorts.
  • Regulatory Edge: The national bank charter continues to deliver interest expense advantages and unlock cross-selling flexibility unmatched by many fintech rivals.
  • Potential Return to Crypto: Re-entry into digital assets investing (expected 2025) may spur renewed engagement from the younger generation, leveraging SoFi’s trusted user experience.
  • ESG and Financial Inclusion: Commitment to democratizing finance and recent moves into sustainability-linked services enhance SoFi’s appeal to ESG-focused investors globally—including those in Asia-Pacific who heavily favor financial innovation coupled with impact.

This rich pipeline of operational, product, and regulatory catalysts creates strong upward context for multiples and forward earnings projections, keeping SoFi’s narrative highly constructive for the near- and long-term.

Investment Strategies

The current technical, fundamental, and sector conditions together favor a variety of investment horizons, each offering unique entry logic:

  • Short-Term Positioning:
    • Recent consolidation near robust support levels ($13.08/$12.79) presents a technically attractive entry for reversal-oriented traders.
    • MACD cross and strong volume suggest near-term upside to $13.90–$14.30 resistance; a technical breakout could generate swift momentum-based gains.
  • Medium-Term Strategy:
    • Building exposure ahead of key Q2 earnings and new product launches allows investors to participate in anticipated upward revisions to guidance or consensus earnings.
    • Growth in fee-based, capital-light businesses should drive higher margins and valuation re-rating during successive quarters.
  • Long-Term Allocation:
    • Investors seeking sustained compounding from the digital transformation of financial services can benefit from SoFi’s triple-engine growth (banking, lending, tech platforms).
    • Structural position as a national bank, with multi-product digital adoption, offers a rare combination of durability and innovation—key factors for outsized long-term returns.
    • Entering now, as valuations consolidate and before the anticipated next leg up, appears well aligned with disciplined growth allocation principles.

Philippine investors seeking geographic diversification away from local cyclicals, and exposure to dollar-denominated US technology innovation, will find SoFi an attractive anchor or satellite position within a globally oriented fintech allocation.

Is It the Right Time to Buy SoFi Technologies?

The sum of SoFi Technologies’ recent achievements and outlook paints a decisively optimistic picture. With record quarterly results, rising profitability, and a flood of new members and product launches, SoFi is rapidly asserting itself as the new fintech gateway between traditional banking and digital-native ecosystems. The stock’s premium valuation finds solid footing in its compounding fee-based growth, capital-light platform expansion, and best-in-class technology infrastructure, all underpinned by a resilient, innovative leadership team.

Technically, the stock’s consolidation near strong supports, coupled with bullish indicators and improved institutional buying, points to an ideal moment for renewed accumulation. With an impressive catalogue of near-term catalysts, from earnings momentum to crypto product re-introduction and new customer segments, the risk/reward profile seems particularly well balanced for various time horizons. In the context of both US and global financial sector shifts, and in light of trends seen in the Philippine and broader APAC investment communities, SoFi appears positioned to capture disproportionate share in the next wave of digital finance adoption.

For investors considering exposure to the transformative power of US fintech, SoFi Technologies offers a rare blend of high-growth fundamentals, strategic clarity, and market positioning that seems to represent an excellent opportunity at current levels. As always, thorough due diligence and risk management are essential, but the underlying momentum suggests that SoFi may be entering a new bullish phase, deserving of renewed attention from forward-thinking, globally minded portfolios.

In a market hungry for innovation and scalable digital leadership, SoFi Technologies’ current trajectory and outlook confirm its place as one of the most compelling opportunities in fintech today.

How to buy SoFi Technologies stock in the PH?

Buying SoFi Technologies (SOFI) stock online is both straightforward and secure when you use a regulated broker in the Philippines. Whether you choose to buy shares directly (cash/spot buying) or trade using Contracts for Difference (CFDs), both approaches are accessible through reputable platforms and ensure the safety of your funds. Spot buying makes you a true shareholder, while CFD trading allows you to benefit from price changes without owning shares. To help you find the best fit, a broker comparison is available further down this page.

Cash Buying

A cash (or spot) purchase means buying SoFi Technologies shares directly on the stock market, making you a genuine shareholder. This method is ideal for investors seeking long-term growth and ownership rights. In the Philippines, brokers typically charge a fixed commission per order, often ranging from ₱250 to ₱500 (around $4 to $9 USD), plus possible small regulatory fees.

icon

Example with a $1,000 stake

If the SoFi Technologies share price is $13.09, with a $1 = ₱58 exchange rate, $1,000 is about ₱58,000. Buying at $13.09 per share gives you around 76 shares (allowing for a $5 or so commission).

✔️ Gain scenario:
If the share price rises by 10%, your shares are now worth about $1,100.
Result: +$100 gross gain, or +10% on your investment.

Trading via CFD

CFD (Contract for Difference) trading lets you speculate on the price movement of SoFi Technologies shares without owning the actual shares. This approach is popular for active traders and allows the use of leverage. Fees include the spread (the small difference between buy and sell prices) and overnight financing if you hold positions for more than a day.

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Example with a $1,000 stake and 5x leverage

You open a CFD position on SoFi Technologies with 5x leverage, giving you $5,000 in market exposure.

✔️ Gain scenario:
If SOFI’s stock rises by 8%, your total position gains 8% × 5 = 40%.
Result: +$400 gain on your initial $1,000 (excluding any broker fees).

Final Advice

Before investing in SoFi Technologies, make sure to carefully compare brokerage fees, trading conditions, and available tools, as these can affect your returns. The right method—cash buying or CFD trading—will depend on your investment horizon, risk tolerance, and financial objectives. You’ll find detailed broker comparisons further down the page to help you make a confident choice on your investment journey.

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Our 7 tips for buying SoFi Technologies stock

StepSpecific tip for SoFi Technologies
Analyze the marketReview SoFi Technologies’ growth in the fintech sector, noting strong member growth and six consecutive profitable quarters—signs of resilience even in a competitive market.
Choose the right trading platformUse a Philippine or international broker that gives reliable access to NASDAQ and allows you to trade SoFi Technologies shares with competitive FX and transaction fees.
Define your investment budgetAllocate a portion of your investment funds, mindful of SoFi’s volatility and premium valuation—only invest what you are prepared to hold or risk, and spread out purchases.
Choose a strategy (short or long term)Leverage SoFi Technologies’ strong financial performance and growth projections by focusing on long-term investing for potential greater rewards.
Monitor news and financial resultsRegularly check quarterly earnings, updates on SoFi’s product launches, and major announcements—these events can impact the stock and present buying or selling opportunities.
Use risk management toolsSet stop-loss orders and position limits to manage risk, preserving gains and reducing losses if SoFi Technologies experiences unexpected downturns.
Sell at the right timeConsider taking profits gradually as SoFi approaches resistance levels, or if the company’s fundamentals or sector trends begin to worsen in the US or global markets.
Analyze the market
Specific tip for SoFi Technologies
Review SoFi Technologies’ growth in the fintech sector, noting strong member growth and six consecutive profitable quarters—signs of resilience even in a competitive market.
Choose the right trading platform
Specific tip for SoFi Technologies
Use a Philippine or international broker that gives reliable access to NASDAQ and allows you to trade SoFi Technologies shares with competitive FX and transaction fees.
Define your investment budget
Specific tip for SoFi Technologies
Allocate a portion of your investment funds, mindful of SoFi’s volatility and premium valuation—only invest what you are prepared to hold or risk, and spread out purchases.
Choose a strategy (short or long term)
Specific tip for SoFi Technologies
Leverage SoFi Technologies’ strong financial performance and growth projections by focusing on long-term investing for potential greater rewards.
Monitor news and financial results
Specific tip for SoFi Technologies
Regularly check quarterly earnings, updates on SoFi’s product launches, and major announcements—these events can impact the stock and present buying or selling opportunities.
Use risk management tools
Specific tip for SoFi Technologies
Set stop-loss orders and position limits to manage risk, preserving gains and reducing losses if SoFi Technologies experiences unexpected downturns.
Sell at the right time
Specific tip for SoFi Technologies
Consider taking profits gradually as SoFi approaches resistance levels, or if the company’s fundamentals or sector trends begin to worsen in the US or global markets.

The latest news about SoFi Technologies

SoFi Technologies reported its sixth consecutive profitable quarter for Q1 2025, with record financial results. The company posted a GAAP net income of $71.1 million, representing a significant turnaround for a fintech that until recently struggled with profitability. Revenue rose 20% year-over-year to $771.8 million, driven by increased member and product growth; total members reached 10.9 million, up 34%. Notably, fee-based revenue surged 67% to $315.4 million, now accounting for 41% of total turnover and highlighting the company’s progress in shifting towards less capital-intensive, capital-light business streams. SoFi’s continued profitability and robust member expansion are constructive signals for investors, including those in the Philippines tracking U.S.-listed fintech growth trends.

SoFi’s stock is showing constructive technical and market signals, with notable accumulation by large institutional players. Even though SOFI’s price fell 5.96% over the last week to $13.09, it remains up 89.16% over the past year and sits above both its 50-day and 200-day simple moving averages—a bullish indicator. The MACD remains positive at 0.31, and the RSI is neutral at 51.49, indicating neither overbought nor oversold conditions, while strong support is established just below the current price. In recent days, increased interest from major market participants has been observed, which is generally read as a favorable sign for the short- to medium-term trend, aligning with the renewed appetite from Philippine investors for high-growth, technology-driven U.S. stocks.

SoFi has expanded its Loan Platform Business with major new external commitments, unlocking additional growth channels. In the past week, SoFi announced over $8 billion in fresh loan origination commitments via partnerships with Blue Owl, Fortress, and Edge Focus. These alliances enable SoFi to originate loans for third parties and generate scalable fee-based income without taking on all associated credit risk—an attractive structural advantage in uncertain macroeconomic conditions. For investors in the Philippines, this move underscores SoFi’s capability to monetize its technology and lending infrastructure globally, which could set a precedent for similar fintech platforms aspiring to serve ASEAN markets or enter cross-border partnerships in the region.

The company’s technology and platform segments continue to grow, providing infrastructure relevant to emerging financial markets. Q1 2025 revenue for SoFi’s technology platform (Galileo and Technisys) rose 10% to $103.4 million, confirming steady demand for B2B fintech infrastructure. Galileo in particular powers digital financial services—payments, banking, debit, and credit—for clients worldwide, and this infrastructure-first approach positions SoFi as an enabling partner for digital banks and neobanks across markets, including Southeast Asia. Philippine firms seeking scalable, modern core banking and payments solutions may find SoFi’s ongoing investments in its technology stack to be both strategically significant and potentially synergistic for future partnerships.

SoFi’s management raised full-year 2025 guidance, reflecting confidence in sustained growth and profitability. Following its Q1 results, management upgraded forecasts for the full year: adjusted net revenue is now projected at $3.235–$3.310 billion (24–27% annual growth), with net income of $320–$330 million and at least 2.8 million new members anticipated. This guidance, based on actual performance rather than speculative outlook, is a critical signal for global investors prioritizing fintech resilience and consistency. For investment strategists and analysts in the Philippines, SoFi’s upward revisions and continued operational discipline suggest a maturing business model with translatable best practices, as well as a strong case for inclusion in the portfolios of those seeking long-term exposure to credible and growing U.S. fintech leaders.

FAQ

What is the latest dividend for SoFi Technologies stock?

SoFi Technologies does not currently pay a dividend. The company is reinvesting its earnings to fuel rapid growth and the expansion of its digital financial ecosystem. Management may consider introducing dividends in the future if profitability remains strong over the long term, but for now, returns are expected primarily through capital appreciation rather than income.

What is the forecast for SoFi Technologies stock in 2025, 2026, and 2027?

Based on the present price of $13.09, the forecasted value for SoFi Technologies stock is $17.02 at the end of 2025, $19.63 at the end of 2026, and $26.18 at the end of 2027. Steady member and product growth, along with the company's expanding fee-based revenue, highlight SoFi’s solid potential in the evolving fintech sector.

Should I sell my SoFi Technologies shares?

Holding on to SoFi Technologies shares may be suitable for investors seeking growth, given the company’s strong results—six consecutive profitable quarters and rising fee-based revenue. SoFi’s unique position as a tech-driven, fully integrated financial platform and its consistent member expansion suggest it remains well-positioned for continued growth in the mid- to long-term, especially as digital finance trends accelerate worldwide.

How are gains from SoFi Technologies stock taxed for investors in the Philippines?

Gains from selling SoFi Technologies shares are considered capital gains for Philippine residents. These are subject to a 15% capital gains tax if held outside the local stock exchange. Since SoFi Technologies is a US-listed stock, any dividends (if paid in the future) could also be subject to US withholding tax, with additional Philippine tax implications. Always check recent BIR guidelines or consult a licensed tax advisor for specifics on thresholds and reporting.

What is the latest dividend for SoFi Technologies stock?

SoFi Technologies does not currently pay a dividend. The company is reinvesting its earnings to fuel rapid growth and the expansion of its digital financial ecosystem. Management may consider introducing dividends in the future if profitability remains strong over the long term, but for now, returns are expected primarily through capital appreciation rather than income.

What is the forecast for SoFi Technologies stock in 2025, 2026, and 2027?

Based on the present price of $13.09, the forecasted value for SoFi Technologies stock is $17.02 at the end of 2025, $19.63 at the end of 2026, and $26.18 at the end of 2027. Steady member and product growth, along with the company's expanding fee-based revenue, highlight SoFi’s solid potential in the evolving fintech sector.

Should I sell my SoFi Technologies shares?

Holding on to SoFi Technologies shares may be suitable for investors seeking growth, given the company’s strong results—six consecutive profitable quarters and rising fee-based revenue. SoFi’s unique position as a tech-driven, fully integrated financial platform and its consistent member expansion suggest it remains well-positioned for continued growth in the mid- to long-term, especially as digital finance trends accelerate worldwide.

How are gains from SoFi Technologies stock taxed for investors in the Philippines?

Gains from selling SoFi Technologies shares are considered capital gains for Philippine residents. These are subject to a 15% capital gains tax if held outside the local stock exchange. Since SoFi Technologies is a US-listed stock, any dividends (if paid in the future) could also be subject to US withholding tax, with additional Philippine tax implications. Always check recent BIR guidelines or consult a licensed tax advisor for specifics on thresholds and reporting.

P. Laurore
P. Laurore
Finance expert
HelloSafe
Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.

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