SoFi Technologies (NASDAQ: SOFI) is ending the week still near multi‑year highs after a massive 2025 rally, even as the stock cools off from recent records and fresh valuation debates emerge.
As of late trading on Friday, November 14, 2025, SoFi stock is changing hands at around $28.50 per share, roughly flat versus yesterday’s close, after trading between the mid‑$26s and just above $29 during the session. Daily volume is heavy at over 70 million shares, and the company’s market capitalization sits near $34 billion, with a trailing price‑to‑earnings multiple in the low‑50s. [1]
Despite today’s consolidation, SOFI is still up more than 100% over the past year and only a few dollars below its recent record high above $32. [2]
Today’s SoFi news flow centers on four themes:
- A new 12% indicated distribution on SoFi’s high‑yield ETF THTA. [3]
- Pension‑fund and wealth‑manager buying of SOFI shares. [4]
- A fresh 2025–2030 price forecast from 24/7 Wall St and other valuation calls. [5]
- Ongoing reaction to the CFO’s prepaid variable forward contract and active options trading. [6]
Below is a detailed rundown of what changed for SoFi stock today and how it fits into the bigger picture for SOFI investors.
SOFI stock price today: consolidating after a sharp run‑up
Based on live market data and major trading platforms:
- Last price: ~$28.5
- Day change vs. prior close: roughly flat (about +0.3%)
- Intraday range: approximately $26.4 – $29.1
- Recent 52‑week range: about $8.60 – $32.7
- Market cap: around $34.2 billion
- Trailing P/E: low‑50s
- Beta: ~2.2 (meaning SoFi tends to move more than the overall market) [7]
Different data providers give slightly different snapshots depending on timing, but they broadly agree that:
- SOFI is sitting just under its recent record highs.
- The stock has more than doubled year over year (TradingView puts the 1‑year gain at about 109%). [8]
- Daily volume remains well above 60–70 million shares, highlighting intense retail and institutional interest. [9]
In other words, today is more about digestion than a big directional move: investors are processing a year of explosive gains, a continued flood of news, and emerging questions about how much good news is already priced in.
1. New 12% distribution on SoFi’s THTA income ETF
The biggest company headline dated November 14 is not about the common stock itself, but about SoFi’s rapidly growing ETF lineup.
SoFi announced monthly distributions on the SoFi Enhanced Yield ETF (THTA), an actively managed fund that combines U.S. Treasuries with a “credit spread” options strategy to generate higher income. [10]
Key details from today’s GlobeNewswire release:
- Fund: SoFi Enhanced Yield ETF (ticker THTA)
- Distribution per share: $0.1510
- Indicated distribution rate: 12.00%
- 30‑day SEC yield: 3.32%
- Ex‑dividend date: November 17, 2025
- Record date: November 17, 2025
- Payment date: November 18, 2025 [11]
THTA seeks to produce high income by holding short‑duration U.S. government securities and overlaying options on equity indexes to collect credit spreads. SoFi notes in the press release that this approach can significantly increase both yield and risk: up to 90% of the portfolio may be exposed to options strategies, and a sharp market move can materially hurt returns. [12]
Why this matters for SOFI stock
THTA is not a dividend on SoFi Technologies’ common shares, but it does matter for SOFI investors for a few reasons:
- It reinforces SoFi’s push into income‑oriented ETFs, a key pillar of its investing platform strategy. [13]
- High‑yield, options‑based products give SoFi something differentiated to cross‑sell to its 12.6 million membersand nearly 18.6 million products, especially as the company leans into its “Financial Services Productivity Loop” (FSPL) strategy. [14]
- A steady cadence of distributions can keep THTA in the spotlight, deepen engagement inside the SoFi app, and support SoFi’s fee‑based revenue over time.
For equity holders, the THTA headline underscores how SoFi is evolving from a lender into a diversified digital finance and asset‑management platform, with products that span banking, loans, ETFs, and now crypto.
2. Pension funds and wealth managers keep accumulating SOFI
Today also brought new institutional ownership disclosures that help explain why SOFI has held onto most of its 2025 gains despite rich valuations.
New Jersey Police & Firemen’s Retirement System ups its stake
A MarketBeat summary of recent 13F filings shows that the Police & Firemen’s Retirement System of New Jerseyincreased its SoFi position by 4.9% in the second quarter. The fund now owns 404,661 SOFI shares, valued at around $7.37 million in the latest filing. [15]
The same report lists other institutional investors that have been quietly adding:
- Brighton Jones LLC modestly increased its position.
- Xponance Inc., Ballentine Partners, the New York State Common Retirement Fund, and CWM LLC all boosted their holdings. [16]
Altogether, institutional investors now own roughly 38% of SoFi’s float, according to MarketBeat’s compilation. [17]
Vise Technologies Inc. opens a new position
A separate MarketBeat item today notes that Vise Technologies Inc. purchased a new 39,031‑share stake in SoFi during the second quarter, worth about $711,000 at the time of filing. [18]
That article also highlights:
- Vanguard Group owns nearly 99.5 million SOFI shares and has been incrementally adding.
- ARK Investment Management more than doubled its position, adding roughly 2.4 million shares.
- Collectively, these moves reinforce that large asset managers remain engaged despite the stock’s rally and premium multiple. [19]
Takeaway for investors
For retail shareholders, today’s 13F recaps send a clear signal:
Big, long‑horizon investors are still buying or holding SoFi stock near all‑time highs, not dumping it.
That doesn’t guarantee future returns, but it does suggest that institutional appetite has not dried up, even as analysts debate whether SOFI is now “overpriced.”
3. New long‑term price forecasts and a widening valuation debate
A major storyline today is how divided Wall Street remains on what SoFi is worth after its 2025 surge.
24/7 Wall St: growth ahead, but limited near‑term upside
A fresh 2025–2030 SoFi price prediction from 24/7 Wall St, published November 14, revisits SoFi’s journey from SPAC debut to full‑scale digital bank and lays out multi‑year revenue and profit projections. [20]
Key points from that piece:
- Management is targeting around 30% member growth and 20% revenue growth over the long term. [21]
- The Wall Street one‑year price target compiled in the article is about $26.61, below today’s share price. Only 6 of 22 analysts rate the stock a Buy. [22]
- 24/7 Wall St itself is slightly more bullish, suggesting a 12‑month target around $29.41, only a few percent above current levels. [23]
- Their internal model forecasts revenue rising from roughly $2.8 billion in 2025 to over $5.3 billion by 2030, with net income increasing from about $320 million to $1.28 billion over the same span. [24]
The message: earnings power could grow substantially, but short‑term upside from today’s price may be modestunless SoFi outperforms even these optimistic assumptions.
Simply Wall St: record quarter, but “about 130% overvalued”
In a separate analysis dated November 13, Simply Wall St notes that SoFi’s share price is up roughly 128% year‑to‑dateand about 139% over the past year, thanks to record Q3 results and the launch of SoFi’s crypto trading platform. [25]
Yet using its internal valuation model, the site estimates a fair value near $14 per share, implying SoFi trades at roughly double what their fundamentals would justify. They explicitly flag SoFi as “overvalued,” even while acknowledging strong growth and profitability momentum. [26]
MarketBeat & other consensus data: a cautious “Hold”
MarketBeat’s coverage today reiterates that analysts in aggregate:
- Assign SoFi a consensus “Hold” rating.
- Put the average price target around $25 per share. [27]
TradingView aggregates a similar range of analyst targets, with estimates running from roughly $12 on the low end to about $38 on the high end, underscoring just how wide the dispersion of views has become. [28]
Seeking Alpha: “overpriced valuation meets high growth”
A new Seeking Alpha article published today argues that SoFi’s valuation looks stretched, but also highlights robust user growth, improving profitability and diversified revenue streams from lending, technology and financial services segments. [29]
Bottom line on valuation
Put together, today’s commentary paints a picture of a stock where:
- Fundamental momentum is undeniably strong, and
- Valuation is the main battleground.
Bulls see SoFi as a high‑growth, emerging financial powerhouse. Bears see a richly valued lender exposed to credit cycles, regulation and competition.
4. Executive stock moves and options activity keep SOFI in the spotlight
Beyond fundamental news, the behavior of insiders and derivatives traders is shaping sentiment around SoFi.
CFO’s prepaid variable forward on 500,000 shares
On November 13, SoFi disclosed that Chief Financial Officer Christopher Lapointe entered into a prepaid variable forward contract covering 500,000 SOFI shares with an unaffiliated dealer. [30]
According to Investing.com’s summary:
- The transaction was executed when SoFi stock was around $32.21, close to its 52‑week high near $32.73. [31]
- The stock has surged roughly 140% over the past year, which helps explain why an executive might want to lock in some value. [32]
A prepaid variable forward is not a straightforward share sale. Typically, it allows an executive to:
- Pledge shares as collateral.
- Receive cash upfront.
- Deliver a variable number of shares (or cash equivalent) in the future, usually within a price collar.
Investors often read these deals as a mix of personal risk management and subtle profit‑taking. The timing—near all‑time highs—adds to the narrative that some insiders are de‑risking after a huge run, even as the core business strengthens.
Heavy call volume and short‑dated options
Today’s options data show that call contracts outnumber puts by more than 2‑to‑1:
- Approximate call volume: 134,000
- Approximate put volume: 60,000
- Put/call volume ratio: about 0.45 [33]
Recent reports also flag intense activity in near‑dated calls around the $29–$35 strike, including a $35 call expiring November 14, 2025 that traded over 3,400 contracts when SOFI was in the low $32s earlier this week. [34]
High volumes in short‑dated options tend to:
- Amplify near‑term volatility.
- Signal speculative interest on both the bullish and bearish side.
- Draw more attention from retail traders who watch options flow.
For long‑term investors, the message is that SOFI remains a traders’ playground, which can create sharp swings around headlines—both positive and negative.
5. Under the hood: record Q3, crypto launch and stablecoin ambitions
Today’s moves can’t be understood in isolation from the fundamental story that drove SOFI higher in 2025.
Record Q3 2025 results and higher guidance
In its late‑October Q3 report and subsequent commentary, SoFi posted another record quarter and raised full‑year guidance. [35]
Highlights from the company’s filings and Reuters coverage:
- GAAP net revenue: about $961.6 million, up 38% year over year.
- Adjusted net revenue: ~$949.6 million, also up 38%. [36]
- Fee‑based revenue: roughly $408.7 million, up 50% year over year, driven by loan platform, interchange and brokerage fees. [37]
- GAAP net income: around $139 million, marking SoFi’s eighth consecutive quarter of GAAP profitability, with diluted EPS of $0.11. [38]
- Adjusted EBITDA: about $277 million, up 49%, with an adjusted margin near 29%. [39]
- Members: SoFi added roughly 905,000 members in the quarter, bringing total members above 12.6 million, up about 35% vs. last year. [40]
- Products: Total products reached nearly 18.6 million, up around 36% year over year. [41]
- Deposits: rose by about $3.4 billion in Q3 to $32.9 billion, with nearly 90% coming from direct‑deposit members. [42]
Reuters notes that SoFi raised its full‑year 2025 adjusted EPS forecast to roughly $0.37, above both its prior outlook and the then‑current Street consensus near $0.32, thanks largely to surging fee‑based revenue and strong loan demand. [43]
Crypto trading launch and SoFi USD stablecoin plans
Another pillar of SoFi’s story this fall is its renewed crypto push:
- SoFi has launched SoFi Crypto, letting members trade major digital assets like Bitcoin, Ethereum and Solana directly inside the SoFi app. [44]
- FXLeaders and other coverage emphasize that SoFi is the first nationally chartered U.S. bank to offer direct crypto trading in a traditional banking app, integrating banking, lending, investing and crypto in one ecosystem. [45]
- In an October interview with Reuters, CEO Anthony Noto said SoFi is on track to roll out a SoFi USD stablecoin in the first half of 2026, following the crypto trading launch. [46]
These moves are central to the bullish thesis: SoFi isn’t just another neobank—it aims to be a full‑stack digital financial platform, capturing more of each customer’s financial life.
Market sentiment and what to watch next for SOFI
Sentiment: optimistic but nervous
- Retail communities (including SoFi‑focused forums on Reddit) remain long‑biased and vocal, but frequently stress that SoFi is a high‑risk growth stock that can swing sharply. [47]
- Technical tools on platforms like TradingView show a mixed picture: a short‑term “sell” signal on daily time frames but a “buy” reading over a one‑month horizon, reflecting the recent pullback within a strong uptrend. [48]
Near‑term catalysts to monitor
Looking ahead from today’s close, key watch‑items for SoFi shareholders include:
- Next earnings report: currently expected around February 2, 2026, when investors will see if SoFi can sustain high‑30s revenue growth and expanding margins. [49]
- Credit quality: SoFi’s Q3 data showed improving charge‑offs and stable delinquencies, but any turn in consumer credit—especially in personal loans—would be closely scrutinized. [50]
- Deposit and cost‑of‑funds trends: With deposits at $32.9 billion and cost of funds significantly below warehouse lines, SoFi’s bank funding advantage is a key driver of profitability. [51]
- Crypto and stablecoin rollout: Execution on SoFi Crypto and the planned SoFi USD stablecoin will matter for growth, regulatory perception and risk profile. [52]
- Regulation and interest rates: Broader risk‑asset sentiment—tied to Federal Reserve policy and macro data—remains a powerful force for fintech names like SoFi. [53]
Final takeaway: What today’s news means for SoFi stock
For November 14, 2025, SoFi’s story is less about a big price move and more about confirmation:
- The business continues to deliver record revenue, growing profits, and rapid member and product adoption. [54]
- The product flywheel keeps expanding, with THTA’s new 12% distribution reinforcing SoFi’s ambitions in high‑yield ETFs alongside banking, lending, and crypto. [55]
- Institutional investors and pension funds are still buying, even as insiders prudently hedge and monetize part of their stakes. [56]
- Valuation is the main overhang: several models and analysts see limited near‑term upside—or even significant overvaluation—after the stock’s triple‑digit percentage gains. [57]
For existing shareholders, today’s news supports the view that SoFi remains a strong, rapidly scaling digital bank, but one where expectations are high and volatility is likely to remain elevated.
For potential buyers, the question is whether SoFi’s growth, profitability and product innovation still justify paying a premium multiple after such a big run—or whether it’s better to wait for a deeper pullback.
Either way, SoFi’s November 14 headlines show a company squarely at the intersection of fintech, crypto, and high‑yield income products, with both opportunity and risk firmly in the spotlight.
Important: This article is for informational purposes only and does not constitute investment advice. Always do your own research and consider consulting a licensed financial advisor before buying or selling any security.
References
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