SoFi Technologies (SOFI) News Today – November 14, 2025: Fresh THTA Dividend, Pension-Fund Buying and New Long‑Term Price Targets

SoFi Technologies, Inc. (NASDAQ: SOFI) is back in the headlines today with a fresh monthly distribution on its high‑yield SoFi Enhanced Yield ETF (THTA), new disclosures on institutional buying, and a fresh long‑term stock forecast that sees nearly 95% upside by 2030. ^[1]

At the same time, recent filings show the company’s chief financial officer has monetized part of his stake via a prepaid variable forward contract, while options activity and crypto expansion keep SoFi squarely in the market’s spotlight. ^[2]

Below is a full rundown of everything new and market‑moving around SoFi as of November 14, 2025.

SOFI stock snapshot: pulling back after record highs

After setting an all‑time high this week, SoFi shares are in consolidation mode.

Last traded price (Nov. 14, 2025): about $28.39
Intraday range (today): roughly $28.15 – $31.75 ^[3]
52‑week range:$8.60 – $32.73 ^[4]
Market cap: about $34 billion
Trailing P/E ratio: roughly 50–53x earnings, depending on provider. ^[5]

According to one valuation site using a Peter Lynch–style fair‑value model, fair value is estimated at $13.49 per share, implying SoFi trades at more than double that figure and thus at a steep premium. ^[6]

That premium sits on top of a 136%+ one‑year gain and a rally that recently took the stock to $32.7, its highest price ever. ^[7]

1. SoFi declares new THTA monthly distribution at 12% rate

The headline company news today is a fresh income announcement tied to SoFi’s bond‑like ETF:

“SoFi Announces Monthly Distributions on $THTA (12.00%)” – GlobeNewswire, Nov. 14, 2025 ^[8]

Key details from the press release:

Fund: SoFi Enhanced Yield ETF (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: mid‑November 2025 (listed as 11/17/2025 in SoFi’s materials)
Payment date:November 18, 2025 ^[9]

THTA is an actively managed ETF that:

Holds a basket of U.S. Treasuries, and
Layers on short credit‑spread options to generate extra income. ^[10]

Recent data shows:

A current price around $15.05,
An indicated dividend yield a bit above 12%, and
Monthly payouts that have hovered near $0.15 per share in recent months. ^[11]

For SoFi, THTA is strategically important: it reinforces the firm’s push into high‑yield, income‑oriented ETFs, giving SoFi’s investing platform a differentiated product that can be cross‑sold to its rapidly expanding member base.

2. New Jersey police & fire pension fund grows its SoFi stake

Also out today: an institutional ownership update that underscores traditional money managers’ interest in SoFi.

MarketBeat reports that the Police & Firemen’s Retirement System of New Jersey has increased its stake in SoFi: ^[12]

The fund boosted its position by 4.9% in Q2.
It now holds 404,661 shares of SoFi.
As of the latest SEC filing, that stake is valued at approximately $7.37 million.

Several other institutions have also been adding to their positions:

Brighton Jones LLC: up 2.0% to ~719,288 shares (~$11.1 million).
Xponance Inc.: up 6.1% to around 68,466 shares.
Ballentine Partners LLC: up 11.4% to about 14,648 shares.
New York State Common Retirement Fund: up 2.4% to roughly 556,987 shares.
CWM LLC: up 2.0% to about 82,399 shares. ^[13]

In total, institutional investors now own roughly 38.4% of the company’s outstanding stock. ^[14]

This accumulation comes despite SoFi’s big run‑up and follows a blowout Q3 2025 earnings report (more on that below), suggesting that at least part of Wall Street is comfortable owning the stock at elevated valuations.

3. Fresh long‑term SoFi price forecast out today

A new piece from 24/7 Wall St., published today, lays out a 2025–2030 price forecast for SoFi. ^[15]

Highlights from their analysis:

Wall Street 12‑month consensus price target:$26.61, slightly below the current share price, reflecting cautious near‑term expectations.
Of 22 analysts covering SoFi, only six currently rate it a Buy; the rest are mostly Holds with a few Sells. ^[16]
24/7 Wall St.’s own year‑end 2025 price target: $29.41, about 3–4% above where the stock trades now. ^[17]

Their internal model, based on a 3.5× price‑to‑sales multiple applied to projected revenue and earnings, yields the following illustrative price path:

2026: $35.70
2027: $39.26
2028: $44.85
2029: $50.12
2030:$55.30, nearly 95% above today’s price. ^[18]

24/7 Wall St. stresses that these are estimates, not guarantees, and that SoFi’s actual performance will depend on execution, credit quality, interest‑rate trends, and competition across fintech and traditional banks.

4. CFO’s $11.8 million prepaid variable forward contract

A Form 8‑K filed with the SEC and summarized by StockTitan and Investing.com this week is drawing attention to SoFi’s C‑suite: ^[19]

On November 12, 2025, Chief Financial Officer Christopher Lapointe:

Entered into a prepaid variable forward (PVF) contract on 500,000 shares of SoFi common stock.
The position represents less than 0.05% of SoFi’s total outstanding shares. ^[20]
He receives an upfront cash payment of about $11.77 million.
The contract matures around November 12, 2027.
At maturity, he can either:
- Deliver a variable number of SoFi shares, or
- Settle the contract in cash, depending on SoFi’s share price. ^[21]

Key price thresholds:

Floor price:$25.38
Cap price:$50.58
At the cap, he could deliver about 250,890 shares; at or below the floor, up to the full 500,000 shares. ^[22]

Lapointe has pledged the shares as collateral but retains voting and dividend rights until settlement. The filing notes that he has not sold SoFi stock since joining in 2018 and frames the PVF as a way to unlock liquidity while maintaining economic exposure to the stock within a price band. ^[23]

For governance‑minded investors, PVFs often raise questions about insider sentiment and hedging, but they are not outright stock sales and are relatively common among executives with large, concentrated equity stakes.

5. Heavy options trading and speculative fervor

Options markets around SoFi remain extremely active following the stock’s recent surge:

On November 12, SoFi recorded 598,000+ options contracts traded in a single day, according to Futu.
Calls made up roughly 69% of the volume, with puts around 31%, reflecting bullish speculation.
Total open interest sat at about 4.25 million contracts, close to its 30‑day average. ^[24]

One of the most active contracts was a $35 call expiring November 14, 2025, with more than 3,400 contracts traded, while the most heavily traded option overall did around 34,000 contracts and closed at $0.52. ^[25]

This sort of activity tends to amplify volatility in both directions and underscores how SoFi has become a favorite among traders, not just long‑term investors.

6. Q3 2025: record growth in revenue, members, and fee income

Today’s news sits on top of a very strong third‑quarter 2025 foundation.

From SoFi’s official Q3 earnings release: ^[26]

Headline numbers (Q3 2025):

Total GAAP net revenue:$961.6 million, up 38% year‑over‑year.
Adjusted net revenue:$949.6 million, also up about 38%.
Net income:$139.4 million, up 129% from the prior year.
GAAP and adjusted diluted EPS:$0.11, more than double last year’s $0.05.
Adjusted EBITDA:$276.9 million, up 49%. ^[27]

Member & product growth:

SoFi added a record 905,000 new members in the quarter.
Total membership is now about 12.6 million, up 35% year‑over‑year.
It also added 1.4 million new products, bringing total products to 18.6 million, up 36%.
Roughly 40% of new products were opened by existing members, highlighting effective cross‑selling. ^[28]

Fee‑based diversification:

Fee‑based revenue hit a record $408.7 million, up 50% year‑over‑year and now running at more than $1.6 billion on an annualized basis.
SoFi’s Loan Platform Business originated $3.4 billion of loans for third parties and generated $167.9 million in revenue—nearly 2.75× last year’s level. ^[29]

Loan originations:

Total originations reached a record $9.9 billion, up 57% from a year earlier.
- Personal loans: about $7.5 billion.
- Student loans: about $1.5 billion, up 58%.
- Home lending: nearly $945 million, including a record $352 million in home equity loans. ^[30]

Analysts and commentators have widely described the quarter as an inflection point that cements SoFi’s transition from a niche student‑loan originator into a full‑scale digital bank and financial ecosystem. ^[31]

7. SoFi Crypto and broader fintech expansion

Several recent articles—including pieces from FX Leaders and Investing.com—highlight SoFi’s move back into crypto and blockchain‑enabled finance, which helps explain both the stock’s rally and its volatility. ^[32]

Key points:

SoFi has announced SoFi Crypto, integrated directly into its app, allowing users to trade major coins such as Bitcoin and Ethereum alongside traditional banking, lending, and investing products. ^[33]
One article notes that SoFi is the first nationally chartered, FDIC‑insured bank to offer this fully integrated package of banking and crypto services in one ecosystem. ^[34]
The company is also:
- Rolling out Level 1 options trading to SoFi Invest users,
- Launching a new AI‑focused ETF, and
- Partnering with Lightspark to use blockchain rails for cheaper, faster international money transfers. ^[35]

Some features—such as potential crypto‑backed loans, staking, or a proprietary stablecoin—are described as under exploration rather than live products, and should be treated as forward‑looking initiatives. ^[36]

This push deepens SoFi’s strategy of being a “one‑stop shop” for consumer finance, spanning:

Banking (checking & high‑yield savings)
Lending (personal, student, home, small‑business)
Investing (stocks, ETFs, automated portfolios, IPO access)
High‑yield and thematic ETFs like THTA

—and now crypto layered on top.

8. How today’s news fits the bigger SoFi story

Putting it all together, here’s the bigger picture as of November 14, 2025:

Income products remain a big focus.
The new THTA distribution keeps its indicated yield near 12%, reinforcing SoFi’s identity not just as a lender but also as a provider of income‑oriented investment products. ^[37]
Institutional investors are quietly adding exposure.
The New Jersey police & fire pension fund and several other managers have raised their stakes, even after the stock’s triple‑digit gain, nudging institutional ownership higher. ^[38]
Executives are managing their exposure, not dumping shares.
The CFO’s prepaid variable forward contract provides liquidity but keeps him economically tied to SoFi’s stock price within a defined band and preserves his voting and dividend rights for now. ^[39]
Speculation is intense.
Options volume north of half a million contracts in a single day, plus a dense options chain around today’s expiry, shows that traders see SoFi as a high‑beta vehicle for leveraged bets—up or down. ^[40]
Fundamentals are improving, but valuation is rich.
Q3 results show rapid revenue growth, expanding profitability, and strong fee‑based diversification. At the same time, various valuation services flag SoFi as overvalued relative to their fair‑value models, with the stock trading at more than 50× trailing earnings. ^[41]
Long‑term forecasts are cautiously optimistic.
Consensus on Wall Street is muted for the next 12 months, but independent models like 24/7 Wall St.’s see room for the stock to almost double by 2030, assuming SoFi continues scaling revenue and earnings at a healthy clip. ^[42]

Final note

This article summarizes publicly available news and data as of November 14, 2025 and is intended for information and news purposes only, not as personalized investment advice. Anyone considering an investment in SoFi or related securities (including THTA) should do further research and consider speaking with a qualified financial professional.

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