SoFi Technologies (SOFI) Stock Today: Forbes Valuation Check, Zacks Buzz and New Institutional Moves

SoFi Technologies, Inc. (NASDAQ: SOFI) stayed in the spotlight on Wednesday, with fresh coverage from Forbes and Zacks, new institutional holdings data, and lingering enthusiasm around its newly launched crypto platform all converging on the stock.

By late morning U.S. trading, SoFi shares were changing hands around $26–$27, giving the digital finance platform a market capitalization of roughly $31.9 billion and placing the stock near the middle of its recent trading range after a sharp rally earlier this month. ^[1]

Below is a structured rundown of everything new about SOFI stock today (19 November 2025) and how it fits into the broader SoFi story.

Key takeaways for November 19, 2025

Price & valuation: SOFI trades around $26.40, up modestly on the day, with a trailing P/E near 49 and a 52‑week range of $8.60–$32.73. ^[2]
Forbes / Trefis: A new Forbes “Great Speculations” note asks whether investors should “Buy SOFI Stock at $27?” after a ~10% pullback this week, arguing that strong operations collide with rich valuation. ^[3]
Zacks research (2 new notes today): Zacks flags SoFi as one of its most‑searched stocks and includes it among five names likely to beat earnings, citing a 45% average earnings surprise and rising EPS estimates. ^[4]
Institutional flows: New 13F snapshots show Rockefeller Capital Management trimming its stake by 36.8%, while Thoroughbred Financial Services LLC and other smaller firms are adding exposure. ^[5]
Growth backdrop: These headlines land just weeks after record Q3 2025 results (net revenue +38% YoY; net income +129% YoY) and the launch of SoFi Crypto, making SoFi the first nationally chartered U.S. bank to offer consumer crypto trading. ^[6]

SOFI stock today: price action and valuation snapshot

According to real‑time quote data, SOFI stock traded around $26.43 late Wednesday morning, up about 0.7% on the session. That leaves the shares: ^[7]

Well below their recent high near $32.73 set earlier in November
But still up roughly 70–100% in 2025, depending on the exact start date used, after a massive year‑to‑date rally highlighted by recent coverage noting a ~95% gain in 2025. ^[8]

Key valuation and trading metrics today:

Market cap: ~$31.9 billion
Trailing 12‑month revenue: ~$3.3 billion
Trailing EPS: ~$0.54
Trailing P/E: ~48.8x
Forward P/E: ~47x
52‑week range: $8.60 – $32.73
Beta: ~1.9 (higher‑than‑market volatility) ^[9]

On the Wall Street side, multiple aggregators show a consensus “Hold” rating, with average 12‑month price targets clustered around $24.90–$26.60, implying that analysts on average see little upside or modest downside from current levels. ^[10]

Forbes: “Buy SOFI Stock at $27?” — strong business vs. stretched multiples

A new Forbes / Trefis “Great Speculations” column published today digs into one of the biggest questions around SoFi right now: is SOFI still a buy after a huge run‑up? ^[11]

From the summary provided via StockAnalysis:

The piece describes SoFi as a “contradiction”: operational performance is strong, with rapid growth and expanding profitability,
But the stock trades at elevated valuation multiples, even after its recent pullback. ^[12]
Trefis notes that SOFI has dropped about 10% over the past week amid broad caution in fintech, bringing the price near $27 and prompting a fresh look at whether that level aligns with its valuation model. ^[13]

While the full model details sit behind a paywall, the takeaway is clear:
Forbes is framing today’s SOFI setup as a tension between high expectations and equally high growth. Investors are being asked whether the recent dip is a chance to buy a long‑term compounder, or a warning that the stock got ahead of itself.

Zacks: SoFi is trending — and could be an earnings‑beat candidate

1. “Investors Heavily Search SoFi Technologies, Inc. (SOFI)”

In a fresh note this morning, Zacks Equity Research highlights SoFi as one of the most‑searched stocks on its platform, arguing that investors should focus on fundamentals rather than buzz. ^[14]

Key points from Zacks’ analysis:

Over the last month, SOFI shares fell about 8.7%, compared with a 0.6% dip for the S&P 500 and a 10.1% drop for the broader Financial – Miscellaneous Services industry. ^[15]
Zacks emphasizes rapidly improving earnings expectations:
- Current‑quarter EPS estimate: $0.12, up ~140% year‑over‑year
- Full‑year 2025 EPS estimate: $0.36, also ~140% higher than the prior year
- 2026 EPS estimate: $0.60, implying another ~65% jump vs. 2025 ^[16]
These estimates have been revised sharply higher in the last month (up 35% for the current quarter, 17% for the full year), and Zacks’ model therefore assigns SoFi a Rank #2 (Buy). ^[17]

Zacks’ bottom line: rising earnings estimates and a consistent beat‑and‑raise pattern make short‑term outperformance more likely, even if valuation screens show the stock as expensive.

2. “Looking for Earnings Beat? Buy These 5 Top‑Ranked Stocks”

In a second note today, Zacks includes SoFi among five stocks favored to beat earnings expectations, alongside Take-Two Interactive, Allstate, Morgan Stanley and Alkermes. ^[18]

For SoFi specifically, Zacks points out that:

Average earnings surprise over the last four quarters is ~45.1%,
The stock holds a Zacks Rank #2 (Buy) plus a positive Earnings ESP,
And analysts project double‑digit annual EPS growth over the next 3–5 years. ^[19]

Taken together, today’s Zacks coverage paints SoFi as one of the more compelling earnings‑momentum stories in fintech, even if value metrics score poorly.

Institutional activity today: profit‑taking vs. new positions

Fresh 13F‑based alerts from MarketBeat give a look at how big money has been trading SoFi.

Rockefeller Capital trims stake by 36.8%

A MarketBeat instant alert today notes that Rockefeller Capital Management L.P. cut its SoFi position by 36.8% in Q2, selling 606,314 shares: ^[20]

Rockefeller now owns about 1,040,103 shares,
Representing roughly 0.09% of SoFi’s outstanding stock,
With a reported value of ~$18.9 million at the time of the filing. ^[21]

The same report highlights recent insider selling:

CTO Jeremy Rishel sold 98,733 shares around $27.50,
EVP Kelli Keough sold 10,036 shares near $28.33,
In total, insiders sold ~118,805 shares (~$3.3 million) over the last 90 days, and insiders now own about 2.6% of the company. ^[22]

MarketBeat also reiterates that SoFi currently carries a consensus analyst target price of about $25.06 and a “Hold” rating across Wall Street. ^[23]

Thoroughbred Financial, others open or add positions

A separate MarketBeat alert today shows that Thoroughbred Financial Services LLC initiated a new SoFi stake in Q2: ^[24]

The firm acquired 12,857 shares valued at roughly $234,000,
Joining a roster of other smaller institutions (Hazlett Burt & Watson, Headlands Technologies, SVB Wealth, TD Private Client Wealth, Larson Financial Group) that have been adding SoFi exposure, albeit with small share counts. ^[25]
Altogether, hedge funds and institutions now own about 38.4% of SoFi’s float. ^[26]

New Reuters headline: contract win with Stakk

MarketScreener also lists a Reuters story titled “Stakk secures 3-year contract with SoFi Technologies Inc”, published on November 18 U.S. time and referenced today on SoFi’s quote page. The full text is paywalled, but the headline alone signals a multi‑year commercial partnership between SoFi and Stakk, likely involving technology or services. ^[27]

Net read‑through:
Institutional ownership continues to be broad but mixed, with some large holders taking profits after the run‑up while others build fresh positions. Insider selling is notable but not extreme relative to SoFi’s size, and comes against a backdrop of strong reported results.

Fundamental backdrop: record Q3 2025 earnings

All of today’s headlines sit atop a very strong fundamental year for SoFi.

On October 28, 2025, SoFi reported record Q3 2025 results: ^[28]

GAAP net revenue: $961.6 million, +38% YoY
Adjusted net revenue: $949.6 million, also +38% YoY
GAAP net income: $139.4 million, +129% YoY
Diluted EPS: $0.11 vs. $0.05 a year ago (its eighth straight GAAP‑profitable quarter)
Adjusted EBITDA: $276.9 million, up 49% YoY, for a 29% margin

Member and product growth remain the heart of the story:

905,000 new members added in Q3 alone
Total members: ~12.6 million, up 35% year over year
1.4 million new products, bringing total products to ~18.6 million (+36% YoY) ^[29]

Crucially, fee‑based and non‑lending revenue are scaling fast:

Fee‑based revenue hit $408.7 million, up 50% YoY
Financial Services + Technology Platform segments generated $534.2 million of net revenue, +57% YoY, and now account for more than half of total revenue, helping reduce reliance on pure lending spreads. ^[30]

Reuters reports that on the back of this quarter, SoFi raised its full‑year 2025 profit outlook above Wall Street expectations, underscoring management’s confidence in the trajectory. ^[31]

SoFi Crypto: a new growth vector launched last week

Beyond traditional banking and lending, SoFi has just taken a big strategic swing into digital assets.

On November 11, 2025, SoFi announced SoFi Crypto, a platform that lets members buy, sell and hold dozens of cryptocurrencies — including Bitcoin, Ethereum, and Solana — directly inside the SoFi app. ^[32]

Key elements of the rollout:

First nationally chartered U.S. bank to launch crypto trading for consumers, via SoFi Bank, N.A., regulated by the Office of the Comptroller of the Currency (OCC). ^[33]
Deep integration with SoFi Money checking and savings, allowing members to move funds seamlessly between FDIC‑insured accounts and crypto positions in one app. ^[34]
Emphasis on education and risk transparency, with in‑app explainers and tools to help new investors understand volatility and the fact that crypto assets are not bank deposits or FDIC/SIPC‑insured. ^[35]
SoFi also signaled plans to weave blockchain deeper into its ecosystem, including:
- crypto‑enabled remittances,
- a possible USD stablecoin,
- and blockchain‑driven lending and infrastructure features. ^[36]

This initiative reinforces SoFi’s attempt to position itself as a “full‑stack” fintech, combining regulated banking with high‑growth adjacencies like crypto and real‑time payments.

How today’s news fits together for SOFI investors

Putting all of this in one frame:

Momentum & expectations are high. The stock’s huge 2025 run, record Q3 results, and a string of bullish write‑ups (from Zacks, Seeking Alpha and others) have set a very high bar for future performance. ^[37]
Valuation is the main pushback. Today’s Forbes/Trefis piece reinforces what many skeptics already argue: SoFi’s operational success is impressive, but a near‑50x trailing P/E and rich price‑to‑sales multiples leave less room for error if growth slows or the rate environment shifts. ^[38]
Institutions are positioning selectively. Some big holders are taking profits (Rockefeller), while others open or add stakes (Thoroughbred, TD Private Client Wealth, etc.). Overall, institutional ownership and coverage remain broad and engaged, with consensus tilting to “Hold” rather than a clear “Sell.” ^[39]
New growth levers add optionality — and risk. The launch of SoFi Crypto, plus continued expansion in technology and fee‑based businesses, gives SoFi more diversified revenue streams than a typical online lender. But crypto also introduces regulatory and market‑cycle volatility that investors must price in. ^[40]

For potential or current investors, the central questions after today’s news are:

Time horizon: Are you evaluating SoFi over the next quarter, or over the next 5–10 years of digital banking adoption?
Risk tolerance: Can you stomach a high‑beta stock whose valuation already bakes in a lot of good news?
Conviction in strategy: Do you believe SoFi can keep converting its expanding member base and cross‑selling engine into durable, fee‑heavy profits — while navigating credit cycles and the added complexity of crypto?

Quick FAQ: SoFi Technologies (SOFI) as of November 19, 2025

What is SOFI’s share price today?
Around $26–$27 per share, with quotes during Wednesday morning showing ~$26.40 and an intraday range just above $26. ^[41]

How do analysts rate SoFi stock right now?
Most aggregators show a consensus “Hold” rating. Average 12‑month price targets sit roughly in the mid‑$20s, slightly below or near current levels. ^[42]

Why is SoFi trending on Zacks and Finviz today?
Strong earnings revisions, a history of beating EPS estimates, and SoFi’s outsized move in 2025 have put it on Zacks’ most‑searched list and in a new screen for potential earnings beat candidates. ^[43]

What are the biggest near‑term catalysts?

Investor reaction to SoFi Crypto’s rollout and adoption,
Any further analyst upgrades or target changes after Q3,
Macro factors affecting fintech and bank stocks (rates, credit quality),
And the company’s next earnings report, currently projected for early February 2026. ^[44]

This article is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy or sell any security. Always do your own research or consult a licensed financial professional before making investment decisions.

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