SoFi Stock Forecast: Crypto Pivot, Record Earnings and Volatile Highs as of November 15, 2025

Updated: November 15, 2025 – All figures in USD. This article is for information only and is not financial advice.

SoFi stock today: from record highs to a sharp pullback

SoFi Technologies (NASDAQ: SOFI) closed on Friday, November 14, at $27.82, down about 2% on the day. ^[1]

That price is just a few sessions removed from SoFi’s all‑time highest closing level of $32.21 on November 12, 2025, with a 52‑week high around $32.73. ^[2]

The stock has been extremely volatile this week:

Nov 11: closed around $30.95
Nov 12: surged to a record $32.21
Nov 13: dropped 9.6% to roughly $29.10 ^[3]
Nov 14: slid further to $27.82

Despite the pullback, SoFi remains one of 2025’s standout fintech names. Different data providers show SoFi up roughly 80–110% year‑to‑date, but they agree that the stock has dramatically outperformed the broader market. ^[4]

The latest drop isn’t company‑specific alone. November 13 saw a broad tech selloff, with the Nasdaq Composite down 2.3% as investors grew nervous about stretched valuations and a less certain outlook for Federal Reserve rate cuts. ^[5] SoFi, having just hit record highs and trading on growth‑style multiples, was an obvious profit‑taking target.

Big November 2025 catalysts for SoFi stock

1. Q3 2025: record revenue, rising profits and higher guidance

On October 28, SoFi reported Q3 2025 GAAP net revenue of $961.6 million, up 38% year‑on‑year, with adjusted net revenue of $949.6 million, also up 38%. ^[6]

Key Q3 highlights: ^[7]

Net income: $139.4 million (up ~129% YoY), the 8th consecutive profitable quarter
Diluted EPS: $0.11, more than double the $0.05 a year ago
Adjusted EBITDA: $276.9 million, 49% growth, with a ~29% margin
Members: 12.6 million, up 35% year‑over‑year, with a record 905,000 net adds in the quarter
Products: 18.6 million, up 36%, with 1.4 million new products
Fee‑based revenue: $408.7 million, up 50%
Deposits: grew $3.4 billion in the quarter to $32.9 billion, giving SoFi low‑cost funding and saving an estimated $600M+ in annualized interest versus warehouse funding.

Management dramatically raised full‑year 2025 guidance: ^[8]

Adjusted net revenue: about $3.54 billion (vs. prior ~$3.375B) – ~36% YoY growth
Adjusted EBITDA: about $1.035 billion (vs. prior ~$960M)
Adjusted net income: about $455 million (up from $370M prior guidance)
Adjusted EPS: about $0.37 for 2025 (vs. prior $0.31 and vs. earlier Street consensus around $0.32)
Member growth: at least 3.5 million net new members in 2025, roughly 34–35% growth.

This earnings “triple beat” – revenue, profit and guidance – is a core reason SoFi stock ran so hard into November. ^[9]

2. SoFi Crypto: first U.S. nationally chartered bank to offer crypto trading

On November 11, 2025, SoFi announced SoFi Crypto, becoming the first and only nationally chartered, FDIC‑insured U.S. bank to let retail customers buy, sell and hold cryptocurrencies directly inside its banking app. ^[10]

Key points from the launch: ^[11]

Customers will be able to trade dozens of tokens, including Bitcoin, Ethereum and Solana.
Crypto is deeply integrated with SoFi Money: members can fund crypto purchases directly from their checking/savings accounts in the same app.
SoFi emphasizes “bank‑grade” security, compliance oversight by federal bank regulators and extensive in‑app education.
Management frames this as the start of a broader blockchain strategy, including:
- A planned USD‑pegged stablecoin
- Blockchain‑powered international remittances
- Integration of crypto rails into lending and infrastructure services

A crucial backdrop: in spring 2025 the Office of the Comptroller of the Currency (OCC) clarified that banks with licenses like SoFi’s can offer crypto and blockchain services, unlocking a regulatory path that didn’t exist when SoFi initially suspended crypto to secure its bank charter in 2023. ^[12]

For investors, the crypto relaunch is a double‑edged sword:

Bullish angle: reinforces SoFi’s “one‑stop shop” positioning and opens new fee and deposit opportunities in a growing asset class.
Risk angle: increases regulatory and reputational risk, and exposes SoFi to the boom‑bust nature of digital assets (even though crypto itself is carried outside FDIC protection).

3. Expanding into private markets, AI and space via new funds

Earlier this year, SoFi launched private‑market funds that give retail investors exposure to high‑profile startups such as OpenAI and SpaceX, with minimums as low as $10, far below traditional private‑market thresholds. ^[13]

The funds, managed in partnership with firms like Cashmere, Fundrise and Liberty Street Advisors, are designed to broaden access to alternative assets such as: ^[14]

Artificial intelligence & machine learning
Space technology
Consumer, healthcare, e‑commerce and fintech startups

Shares of SoFi rose after that announcement earlier in 2025, and the move complements the stock‑and‑ETF brokerage, options, and (now) crypto offerings inside SoFi Invest.

4. Market sentiment: upgrades, short interest and valuation worries

Analyst & rating activity

Over the last month, at least six analysts upgraded SoFi shares, with no downgrades recorded in that window. ^[15]
Aggregated data show around 28–30 analysts covering SoFi, with a wide range of 12‑month price targets:
- One dataset shows a consensus around $18–19, with a high target of $37 and a low near $3. ^[16]
- A separate analysis from 24/7 Wall St cites a Street consensus of $26.61, below the current stock price, and notes that only 6 of 22 analysts rate the stock a “buy.” ^[17]

That spread underscores how polarizing SoFi has become on Wall Street.

Short interest

As of October 31, 2025, SoFi had about 110 million shares sold short, roughly 9–9.5% of float, with a days‑to‑cover ratio around 1.4–1.6 days. ^[18]

This isn’t meme‑stock territory, but it is high enough to fuel sharp squeezes when good news hits—exactly the kind of dynamic SoFi has seen after recent earnings and guidance upgrades.

Valuation metrics

Snapshot of key valuation measures (rounded): ^[19]

Share price (Nov 14 close): $27.82
Market cap: about $33.5 billion
Trailing revenue (ttm): roughly $4.4 billion
Trailing EPS (GAAP): ~$0.55
Trailing P/E ~50x
Price‑to‑sales ~7.5x
Price‑to‑book ~3.8x

For context: these multiples are well above many traditional banks, and even high vs. several established fintech peers, though they’re more in line with fast‑growing, profitable software‑style platforms.

Unsurprisingly, some valuation models flag SoFi as overvalued by more than 200% versus their estimate of fair value, even after factoring in its growth outlook. ^[20] Others argue the market is simply pricing in decades of compounding as SoFi scales its franchise. ^[21]

How strong are SoFi’s fundamentals now?

SoFi’s business spans three segments – Lending, Financial Services (banking/investing) and Technology Platform (Galileo) – and Q3 2025 shows all three contributing. ^[22]

Lending

Q3 2025 lending revenue: $493.4 million, up 25% YoY. ^[23]
Net interest income from lending rose 35%, driven by higher average loan balances. ^[24]
Total loan originations hit a record $9.9 billion, including: ^[25]
- ~$7.5B in personal loans
- ~$1.5B in student loans
- Nearly $945M in home lending (including record home‑equity originations)

Crucially, SoFi reports continued strong credit performance, with lower charge‑off rates and stable delinquencies versus prior quarters. ^[26]

Financial Services (SoFi Bank, SoFi Invest, SoFi Money, etc.)

Q3 2025 Financial Services revenue: $419.6 million, up 76% YoY. ^[27]
This segment now generates over $1.6 billion in fee‑based revenue on an annualized basis. ^[28]
Financial services products reached 16.1 million, up 37% YoY. ^[29]
Cross‑buy hit about 40%: nearly 4 in 10 new products were opened by existing members. ^[30]

This shows the “Financial Services Productivity Loop” is working: cheap customer acquisition via one product, then upsell into others like investing, loans, credit cards and now crypto.

Technology Platform (Galileo & related)

Q3 2025 Technology Platform revenue: $114.6 million, up 12% YoY. ^[31]
Contribution margin remains in the high‑20s, despite a slight margin compression vs. last year. ^[32]
Accounts on the platform are roughly 158 million. ^[33]

While not the fastest‑growing segment, Galileo adds a B2B “picks and shovels” layer to the SoFi story, giving exposure to other fintechs’ growth.

Short‑term SoFi stock outlook (rest of 2025 – early 2026)

Given the recent run and volatility, it’s helpful to think in scenarios, not precise price targets. None of the below is a prediction or recommendation—just a framework for thinking about the next 3–6 months.

Base‑case view: consolidation after a euphoric run

In a base case, SoFi’s stock:

Trades in a wide band, for example somewhere around the mid‑20s to low‑30s, as earnings “catch up” to the higher valuation.
Digests the recent 9–10% single‑day drop and subsequent pullback as healthy profit‑taking after hitting all‑time highs. ^[34]
Responds strongly to each new data point:
- Adoption metrics for SoFi Crypto (volume, user penetration)
- Deposit growth and credit quality
- Management commentary on 2026 guidance in the next earnings call

Under this scenario, the Street’s more cautious consensus (~$26–27 one‑year target) ends up not far from where shares trade, while more bullish shops looking for high‑20s by year‑end (like 24/7 Wall St’s $29.41 target) might only be modestly exceeded or missed depending on macro conditions. ^[35]

Bull case: growth + crypto + rates tailwind

Things that could push SoFi meaningfully higher in the near term:

Stronger‑than‑expected Q4 and early‑2026 guidance – if SoFi continues beating on revenue and EPS while keeping credit losses low, the market may be willing to sustain or even expand the current rich multiples. ^[36]
Rapid traction for SoFi Crypto and stablecoin plans, driving higher engagement, fee income and deposits. ^[37]
Benign macro / lower rates – a friendlier interest‑rate environment would help personal loan demand, student refi, and valuations across growth stocks. ^[38]
Short covering – with ~9% of float short, sustained upside surprises can force short sellers to buy back shares, amplifying rallies. ^[39]

In a strong bull case, it’s not hard to imagine the stock revisiting or exceeding recent highs, especially if investors start to believe long‑term scenarios like 24/7 Wall St’s $55+ by 2030 are achievable. ^[40]

Bear case: valuation hangover, macro shock or crypto/regulatory risk

On the downside, there are several clear trip‑wires:

Valuation compression – at ~50x trailing earnings and ~7–8x sales, any slowdown in growth or negative surprise could trigger a sharp de‑rating, particularly if high‑growth tech broadly keeps selling off. ^[41]
Credit deterioration – a weakening consumer or rising delinquencies in SoFi’s personal or student loan books would hurt profitability and the bank premium the stock currently enjoys. ^[42]
Regulatory/crypto setbacks – if regulators tighten rules on bank‑run crypto platforms, or if there are crypto‑market shocks tied to stablecoins, sentiment could sour quickly on SoFi’s new initiatives. ^[43]
“Over‑owned” growth trade unwinds – SoFi has become a favorite among growth and retail investors; if risk appetite fades, the stock could fall more than the broader market. ^[44]

In a bear case, it wouldn’t be surprising to see the stock retrace more of its 2025 gains and test substantially lower levels if fundamentals or macro conditions change.

Longer‑term SoFi stock outlook (through 2030)

Longer‑term projections are inherently uncertain, but several structured views exist:

24/7 Wall St models SoFi’s revenue rising from about $2.8B in 2025 to over $5.3B in 2030, with EPS climbing above $1.10 and a constant price‑to‑sales multiple of 3.5x. That yields a 2030 price target around $55, nearly double today’s level. ^[45]
Many analysts still describe consensus sentiment as “cautious optimism”: they acknowledge strong growth, but worry that the stock already discounts a lot of that future success. ^[46]

Structurally, the bullish long‑term thesis rests on a few pillars: ^[47]

Durable revenue growth across Lending, Financial Services and Technology Platform
Operating leverage as member and product counts rise faster than fixed costs
Low‑cost deposits continuing to fund high‑yield lending
Increasing fee‑based and non‑interest revenue, including crypto, alternative investments and B2B services
Brand and ecosystem stickiness – more members using more products per person

If SoFi delivers on these, it could “grow into” a rich valuation over time. If it stumbles on any, the stock’s premium could evaporate quickly.

Key risks to watch

Regardless of time horizon, several risks are central to any SoFi thesis: ^[48]

Credit cycle risk
- A recession or spike in unemployment could increase defaults on personal and student loans, pressuring earnings and capital.
Interest‑rate and funding risk
- Higher‑for‑longer rates can compress margins if deposit costs rise faster than loan yields, or if loan demand softens.
Regulatory risk
- SoFi is now both a bank and a crypto platform. It must navigate strict bank regulation, evolving crypto rules and potential stablecoin legislation simultaneously.
Execution risk in new products
- Crypto, private‑market funds and AI‑driven tools like Cash Coach must be rolled out safely, profitably and without alienating regulators or members.
Valuation & sentiment risk
- At current multiples and after a huge run, expectations are high. Even clean quarters can disappoint if guidance or macro commentary doesn’t match the market’s hopes.

Bottom line: what today’s setup means for SoFi stock

As of November 15, 2025, SoFi is: ^[49]

A profitable, fast‑growing digital bank and fintech platform,
Fresh off record Q3 results and raised 2025 guidance,
With a bold crypto and private‑markets expansion,
Trading at premium valuations after a massive 2025 rally,
And experiencing heightened volatility as investors debate how much future growth is already priced in.

For growth‑oriented investors, SoFi offers a leveraged play on the future of digital banking, alternative assets, and fintech infrastructure—but with meaningful regulatory, credit and valuation risk.

For more conservative investors, the combination of high multiples, crypto exposure and recent price swings may justify caution, or a preference to wait for either a better entry point or more proof that earnings can keep compounding at today’s pace.

Either way, the next few quarters—especially adoption of SoFi Crypto, credit trends in the loan book, and the first look at 2026 guidance—are likely to determine whether the November pullback is just a pause in a longer uptrend, or the start of a deeper valuation reset.

Don't Say I Didn't Tell You | SOFI Stock