Is SoFi Stock a Good Buy for Filipinos in 2025?

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At HelloSafe, our expert has been tracking the performance of SoFi Technologies for over three years. Every month, hundreds of thousands of users in the Philippines trust us to decipher market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, paid by SoFi Technologies.

What is SoFi Technologies?

The SoFi Technologies Stock Price

The price of SoFi Technologies stock is rising this week. As of now, the stock trades at $20.18, gaining 1.15% in the past 24 hours and up 3.69% for the week. SoFi Technologies has a market capitalization of $22.05 billion, with an average 3-month volume of 67 million shares. The current P/E ratio stands at 46.40, there is no dividend yield, and the stock’s beta is 1.83, indicating higher-than-average volatility. These figures suggest strong market interest, but investors should be mindful of fluctuations as they consider the stock’s growth potential.

Our full analysis of the SoFi Technologies stock

We have thoroughly reviewed SoFi Technologies’ most recent financial statements and examined the dramatic evolution of its stock performance over the past three years. Drawing on a broad spectrum of analytical sources—including fundamental indicators, technical signals, sector benchmarks, and peer performance—our proprietary models surface timely opportunities within the U.S. fintech landscape. So, why might SoFi Technologies stock once again become a strategic entry point into digital financial services in 2025?

Recent performance and market context

SoFi Technologies has delivered outstanding price action in 2025, with its stock currently at $20.18—showing a gain of 1.15% over the past 24 hours and an impressive 3.69% rise for the week. Over the past six months, SoFi has staged a remarkable recovery, advancing by more than 88%, and has more than doubled in value since April 2024. This resurgence is powered by robust revenue growth and consistent outperformance against Wall Street expectations. Catalysts such as the relaunch of crypto investments and the expansion into the UK and Canadian markets highlight SoFi’s ability to seize new growth opportunities against a backdrop of steady digitalization across the global financial sector and sustained demand for innovative fintech products in the Philippines.

Technical analysis

The technical picture for SoFi Technologies is notably constructive. The Relative Strength Index (RSI) is hovering between 68 and 71.4, approaching overbought territory—indicative of continued buying momentum, albeit with some room for prudent tactical positioning. The Moving Average Convergence Divergence (MACD) remains slightly positive, reinforcing the bullish outlook. Importantly, SoFi’s share price sits well above its 50-day ($14.35) and 200-day ($13.28) moving averages, confirming the strength of the current uptrend. Nearby technical resistance is observed at $20.89, an intraday high, and the key support zone is at $18.55, suggesting a favorable risk-reward structure for investors looking to build a position. A strong price structure, combined with elevated momentum, points to further upside potential, especially in the event of fresh positive catalysts.

Fundamental analysis

SoFi’s financial performance in Q1 2025 underscores a company in transformation. Net adjusted revenue reached $771 million, up 33% year-on-year, propelled by rapid gains across all segments. Adjusted EBITDA also soared 46%, with GAAP net profit at $71.1 million and earnings per share (EPS) of $0.06. The firm’s banking and financial services division, now responsible for $303 million in revenue, has more than doubled versus the prior year, while fee-based income also posted 67% growth. SoFi’s diversified ecosystem—built on lending, integrated financial services, and a growing technology platform—makes it well placed to withstand sector volatility. While the current P/E of 46.4 reflects premium growth expectations, SoFi’s dominant member growth (with over 10.9 million members and 15.9 million total products as of Q1 2025), successful platform expansion (over 158 million technology accounts), and clear competitive edge provided by its chartered SoFi Bank justify a positive long-term outlook.

Volume and liquidity

Market liquidity remains a point of strength for SoFi Technologies. With an average daily trading volume of 67 million shares and a robust free float, SoFi enjoys strong participation from both institutional and retail investors. This dynamic trading environment not only ensures efficient price discovery but also tends to draw in new investors as positive price trends unfold. Sustained high volumes in the context of accelerating share price performance are strong signals of conviction, suggesting the current rally is supported by more than just speculative flows.

Catalysts and positive outlook

A range of significant catalysts continue to underpin SoFi Technologies’ bullish outlook for 2025 and beyond:

• Re-entry into crypto investing: The planned relaunch of cryptocurrency investments by year-end 2025 positions SoFi to capitalize on renewed retail and institutional interest in digital assets.
• International expansion: The launch of a U.K. digital bank and Canadian operations extends SoFi’s footprint, opening up new revenue streams and cross-market synergies.
• Lending platform growth: Over $8 billion in new lending partnerships with industry names like Blue Owl and Fortress will accelerate loan book expansion and recurring fee generation.
• Product diversification: Entry into private markets and innovative investment services addresses a broader customer base and fosters revenue durability.
• Remittance innovation: The global money transfer launch addresses a major pain point for overseas Filipinos and others, providing potential for substantial recurring transaction flows.

Combined, these initiatives suggest SoFi is uniquely positioned to drive both top-line and bottom-line growth, reinforcing its reputation as one of the fintech sector’s most agile and forward-thinking players.

Investment strategies

Investors interested in SoFi Technologies can consider a variety of entry strategies tailored to their investment horizon:

• Short-term: For tactical traders, current price proximity to near-term resistance ($20.89) and recent overbought readings could create opportunities to accumulate on brief pullbacks or to ride positive news to new highs. Strong upward momentum and robust volume point to a continuation of the trend, especially with anticipated product launches and quarterly updates.
• Medium-term: As SoFi’s international initiatives, new lending partnerships, and crypto reentry play out, there is good reason to expect multiple upward re-ratings over the next 6–12 months. The ongoing migration from legacy banking to digitally native platforms will likely support both revenue and valuation expansion.
• Long-term: The company’s diversified three-segment business model, unique banking charter, and relentless member growth suggest that SoFi could become a dominant fixture in U.S. and global fintech. For investors building generational wealth, today’s levels seem to represent an excellent opportunity to participate early in the next wave of digital financial innovation.

Ideal accumulation strategies could focus on adding positions near support ($18.55–$19.00) or on confirmed technical breakouts above $20.89, especially ahead of scheduled earnings, new product announcements, or expansion milestones.

Is it the right time to buy SoFi Technologies?

Given SoFi Technologies’ combination of explosive growth, strong financials, and forward-thinking platform expansion, the current environment seems to represent an excellent opportunity for investors to initiate or add to positions. The stock’s technical configuration, exceptional revenue momentum, and ambitious product roadmap point toward a continuation of the bullish cycle. While elevated valuation and fintech sector volatility warrant vigilance, the fundamentals justify renewed interest, and SoFi Technologies may be entering a new bullish phase that rewards patient, well-informed investors.

With Philippine interest in fintech adoption on the rise, SoFi Technologies stands out as a compelling vehicle for capturing structural growth in digital banking, lending, and next-generation wealth creation. For investors ready to align with a company at the frontier of finance and technology, SoFi Technologies offers an exciting and credible opportunity for the months and years ahead.

How to buy SoFi Technologies stock in the Philippines?

Buying SoFi Technologies stock online is simple and secure when you use a regulated broker. Philippine investors can choose between buying actual shares (spot buying) or trading Contracts for Difference (CFDs), depending on their preference for direct ownership or leveraged strategies. Spot buying means you own the shares, while CFDs allow you to trade on price movements with leverage, both accessible from the Philippines with a reputable broker. To help you find the most competitive fees and best features, you’ll find a detailed broker comparison further down this page.

Spot buying

A cash purchase of SoFi Technologies stock means you buy and hold real shares through your broker, benefiting from the company’s performance over time. Most platforms charge a fixed commission per trade—usually around PHP 300 (about $5), which is deducted from your investment.

Gain Scenario: SoFi Technologies Stock

If the SoFi Technologies share price is $20.18 USD, you can buy around 49 shares with a $1,000 stake, including a brokerage fee of around $5.

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

Trading via CFD

CFD trading on SoFi Technologies shares lets you speculate on price changes—up or down—without owning the underlying stock. It allows leverage, commonly up to 5x, so you can take a larger position with smaller capital. Note that you’ll pay the spread (the difference between buy and sell prices) and possibly overnight financing fees for held positions.

Example of a CFD position with leverage

You open a CFD position on SoFi Technologies shares, with 5x leverage.

This gives you a market exposure of $5,000.

Gain scenario:

If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

Before you invest, always compare the fees, minimum deposits, and features offered by different brokers, as they can impact your returns. The choice between spot buying and CFD trading depends on your investment goals and risk tolerance. For your convenience, a comprehensive broker comparator is available further down this page.

7 Tips for Buying SoFi Technologies Stock

The latest news about SoFi Technologies

SoFi Technologies delivered record Q1 2025 results, boosting confidence in its growth outlook. Adjusted net revenue reached $771 million, up 33% year-over-year, and beat analyst forecasts, while net income hit $71.1 million, showing robust profitability across its lending, financial services, and technology platform segments.

The stock surged over 88% in the past three months, reflecting exceptional momentum. Trading at $20.18, SoFi Technologies has doubled from its levels in April 2024, driven by strong results and heightened enthusiasm around its diversified fintech strategy in a bullish U.S. market.

SoFi Technologies announced a return to crypto investing and accelerated product expansion for 2025. Official statements confirm plans to relaunch crypto investments, introduce a global remittance service, and broaden private market investment offerings—key areas of interest for innovative fintech adoption in Southeast Asia, including the Philippines.

International growth initiatives include new digital banking services in the UK and Canada. With the launch of SoFi Bank UK and cross-border partnerships, the company positions itself as a global fintech leader, potentially setting a precedent for digital finance solutions in developing markets like the Philippines.

Analyst consensus remains cautious due to valuation, but the company’s forward guidance was raised. Despite a high P/E of 46.4 and a current price above average analyst targets, SoFi Technologies expects up to $3.31 billion in adjusted revenue for 2025, signaling ongoing confidence in its growth model and expanding addressable market.

FAQ

P. Laurore

Finance expert

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.