SoFi Technologies (SOFI) Soars Nearly 9% on November 24, 2025 as Crypto Launch, Q3 Beat and Options Activity Fuel Rally

SoFi Technologies, Inc. (NASDAQ: SOFI) ripped higher on Monday, November 24, 2025, closing at $27.37, up about 8.7% from Friday’s $25.19 close. That move extended what has already been a standout year for the digital bank–fintech hybrid, powered by record third‑quarter earnings and the relaunch of in‑app cryptocurrency trading. ^[1]

Below is a full rundown of SOFI stock today, including price action, all major news from November 24, and how Wall Street is framing the risk–reward from here.

SOFI stock today: price action for November 24, 2025

According to Investing.com and other market data providers, SoFi shares traded between roughly $25.66 and $27.58 on Monday and finished the session at $27.37, an $2.18 gain on the day – roughly +8.65%. ^[2]

Key trading stats for 24 November 2025:

Close: $27.37
Previous close (Nov. 21): $25.19
Single‑day move: +$2.18 (~+8.7%)
Volume: ~59.4 million shares, below the recent ~80–90 million daily average but still heavy turnover for the name. ^[3]

A midday sector recap from TechStock² (TS2) earlier in the session noted SOFI trading around $26.44, up roughly 5% before the afternoon leg higher pushed the stock toward its eventual close. Ts2 Tech

On a longer horizon, FinanceCharts data cited in that same TS2 piece shows SoFi delivering about 64% year‑to‑date total return and nearly 68% over the past 12 months, far ahead of the S&P 500. Ts2 Tech

Why SoFi stock jumped: crypto relaunch + record Q3 + risk‑on sentiment

1. A strong “SOFI stock today” narrative in tech/market coverage

TechStock² published a dedicated “SOFI Stock Today (Nov. 24, 2025)” breakdown, framing Monday’s move as a rebound after a choppy two‑week pullback from all‑time highs above $32. The article highlighted: Ts2 Tech+1

Early‑afternoon trading near $26.44, up ~5% intraday.
Big 2025 performance: ~64% YTD and ~68% 12‑month total return.
Q3 2025 as a key underpinning:
- GAAP net revenue: $961.6 million, +38% YoY.
- Adjusted net revenue: ~$950 million, also +38% YoY.
- Net income: $139.4 million, diluted EPS $0.11, marking eight straight GAAP‑profitable quarters. ^[4]

Those numbers line up with SoFi’s own earnings release and multiple third‑party recaps from Reuters, Barron’s and others, which described Q3 as a “record quarter” with raised full‑year guidance. ^[5]

2. Crypto trading launch: SoFi becomes a first‑of‑its‑kind bank–crypto hybrid

A big part of the current SOFI story is SoFi Crypto, the company’s newly relaunched in‑app crypto trading product:

On November 11, 2025, SoFi announced that SoFi Bank has become the first and only nationally chartered, FDIC‑insured U.S. bank to launch crypto trading for consumers directly inside its banking app. ^[6]
Members can now buy, sell and hold dozens of cryptocurrencies, including Bitcoin, Ethereum and Solana, in the same app and funding accounts they already use for checking, savings and investing. ^[7]
The rollout is phased, with SoFi planning to expand access across its 12.6 million‑plus members, launch a USD‑pegged stablecoin, and weave blockchain into remittances and infrastructure (for example, powering global crypto‑enabled remittances and embedding blockchain into its Galileo platform). ^[8]

A piece syndicated on FinancialContent under the headline “SoFi Revolutionizes Banking: First National Bank to Offer Direct Crypto Trading from Checking and Savings Accounts” revisited the November 11 launch and framed it as a “landmark” step that lowers barriers for mainstream customers who previously had to move money to dedicated exchanges. ^[9]

Meanwhile, Reuters, American Banker, BankingDive and others have emphasized that this makes SoFi a clear outlier among U.S. banks—combining a full national bank charter with crypto trading in a single regulated app—and noted SoFi’s intent to launch a stablecoin and deepen its blockchain initiatives in 2026. ^[10]

Monday’s rally appears to reflect renewed risk appetite for crypto‑adjacent financial names after an earlier “crypto crash”-driven pullback, something Barchart and TS2 both called out explicitly. ^[11]

What today’s analysts and commentators are saying about SOFI

Barchart: “Table pounder” after a 20% slide from the highs

In a widely circulated Barchart article headlined “SoFi Stock Is a Table Pounder at $25: Here’s Why You Should Buy The Dip”, commentator Mohit Oberoi argued that: ^[12]

SOFI has fallen over 20% from its recent peak above $32 amid a broad tech/AI sell‑off and a sharp downturn in crypto.
The pullback has pushed the stock into “bear market territory”, even though Q3 fundamentals and growth metrics remain strong.
At price levels in the mid‑20s, SoFi’s P/E multiple, while still rich, looks more reasonable given:
- Management’s guidance for $0.37 in 2025 EPS and $0.55–$0.80 in 2026 EPS.
- Implied forward P/E of roughly 68x 2025 earnings and ~31x 2026 EPS at the top end of guidance. ^[13]

The article also highlighted several growth drivers:

Q3 member adds of 905,000, bringing members to 12.6 million, up 35% year‑on‑year.
SoFi’s “loan platform” business, where it originates loans for other institutions, generating high‑margin fee revenue while keeping credit risk low.
Its unique position as the only U.S. national bank offering integrated crypto trading, plus plans to layer on options trading, private markets access and a SoFi‑branded stablecoin. ^[14]

Barchart’s conclusion is firmly bullish, seeing the mid‑20s as an attractive “reload” zone for long‑term investors comfortable with volatility.

Seeking Alpha: “Exceptional business with a premium price tag”

A fresh deep‑dive on Seeking Alpha titled “SoFi: An Exceptional Business With A Premium Price Tag” came out early Monday and took a more balanced stance: ^[15]

It praised SoFi’s three‑segment model (Lending, Financial Services, Technology Platform) and its success in building a “one‑stop digital finance ecosystem”.
Q3 results get high marks:
- Member base up 35% YoY to 12.6 million.
- Financial Services revenue up 76% YoY, outpacing Lending and Technology but with improving margins. ^[16]
However, the author argued that valuation is “extremely high”, suggesting that much of SoFi’s future growth is already priced in and that upside may be limited if execution stumbles or macro conditions weaken.

In short: business excellent, price aggressive.

Simply Wall St: digital payments peer, but growth expectations may be rich

Simply Wall St’s “Digital Payment Today – Middle East Embedded Finance Boom Drives Financial Inclusion” was ostensibly about Middle East embedded finance, but it listed SoFi Technologies among “best digital payment stocks,” noting that: ^[17]

SoFi recently closed at $25.19, up 1.1% (Friday’s session).
A linked SoFi‑specific analysis warns that the market may be over‑estimating the speed of SoFi’s growth, given competition and macroeconomic headwinds, even while acknowledging the company’s strong positioning in digital payments and embedded finance.

For investors, that reinforces a common theme: fundamentals look strong, but expectations are high.

Hedgeye: high‑beta “signal‑strength” long, no longer a top “Best Idea”

Hedgeye’s Investing Ideas Newsletter for November 24 includes a dedicated SOFI section: ^[18]

The Financials team describes SoFi as moving from a digital lender to a diversified fintech platform, with:
- Deposit growth to $32.9 billion, 90% sourced from direct‑deposit members.
- Net interest margin (NIM) around 5.84%.
- Improving credit quality, with personal‑loan net charge‑offs at ~2.60% and student‑loan NCOs at ~0.69%.
They still regard SOFI as a “high‑beta signal‑strength long”, but note it requires active risk management, especially since the Financials team has shifted it from “Best Idea Long” to a more tactical long idea.

The takeaway: SoFi looks structurally solid in their process, but its volatility means position sizing and timing matter.

Polen Capital & Hedge‑fund sentiment

InsiderMonkey and Finviz both carried a new Polen U.S. SMID Cap Growth Strategy investor‑letter excerpt under the title “SoFi Technologies (SOFI) Benefitted from a Strategic Shift”. ^[19]

While the full details sit behind a login, the summary makes two points clear:

Polen specifically highlighted SoFi in its Q3 letter.
The fund suggests SoFi has benefitted from strategic changes, aligning with its SMID‑cap growth framework.

Separately, QuiverQuant’s discussion‑tracker article on Monday aggregated social‑media chatter around SoFi’s crypto launch and financial growth, and summarized their datasets this way: ^[20]

536 institutional investors have added shares recently, versus 363 that reduced exposure.
Big buyers reportedly include JPMorgan, BlackRock, Susquehanna and Jane Street, adding tens of millions of shares in aggregate.
Over the last six months, SoFi insiders have executed 11 open‑market sales and zero open‑market buys, with notable selling from the CTO, Chief Risk Officer and other executives.

That mix—rising institutional ownership but insider selling—feeds into the “bull but cautious” framing that shows up repeatedly in today’s commentary.

MarketBeat: multiple institutions boosting their SOFI stakes

MarketBeat published at least three 13F‑related instant alerts on Monday: ^[21]

Intellus Advisors LLC
- Raised its SoFi holdings by 12.3% in Q2, to 140,923 shares worth about $2.57 million.
Creative Planning
- Lifted its position by 34.3%, adding 43,196 shares to reach 169,059 shares valued around $3.08 million.
TD Waterhouse Canada Inc.
- Boosted its stake by 402.5%, to 23,011 shares worth roughly $406,000.

These articles reiterate some core stats frequently cited today:

SoFi has roughly 38% of its float held by institutions and hedge funds.
Recent Q3 results beat expectations and came with raised full‑year EPS guidance to around $0.37.
The Street consensus rating sits near “Hold”, with an average price target in the mid‑$20s (around $25–$27 depending on the dataset). ^[22]

Options market: Benzinga flags “smart money” flows in SOFI

Benzinga’s “Smart Money Is Betting Big In SOFI Options” article, also dated November 24, spotlighted unusually active options trading in SoFi: ^[23]

The outlet detected 27 unusual options trades in recent sessions.
Roughly 40% of the tracked trades were bullish, 33% bearish, with the rest neutral.
Of those trades: 23 were calls (about $1.5 million in notional value) and just 4 were puts (~$175,000).
The activity was concentrated in a strike‑price band between $1 and $42, spanning deep‑out‑of‑the‑money speculation and more conservative positions.

Options flow is never a guarantee of future price action, but the pattern adds to the perception that larger, leveraged players are actively trading the name—consistent with its high‑beta, story‑driven profile.

Fundamentals snapshot: where SoFi stands after Q3 2025

Stepping back from Monday’s headlines, the core SOFI stock thesis right now rests on a few fundamental pillars:

Record Q3 numbers and raised guidance

From SoFi’s official Q3 2025 earnings release and transcript: ^[24]

GAAP net revenue: $961.6 million, +38% YoY.
Adjusted net revenue: $949.6–$950 million, also +38% YoY.
GAAP net income: $139.4 million; diluted EPS $0.11, eighth consecutive GAAP‑profitable quarter.
Adjusted EBITDA: $276.9–$277 million (29% margin), +49% YoY.
Members: +905,000 in Q3 → 12.6 million total, up ~35% vs. 2024. ^[25]
Guidance:
- 2025 adjusted net revenue around $3.54 billion (≈36% YoY growth).
- 2025 adjusted earnings around $0.37 per share, lifted from prior guidance. ^[26]

Third‑party coverage from the Wall Street Journal, Reuters, Investor’s Business Daily and others has generally characterized SoFi as executing well on its “one‑stop shop” strategy, with fee‑based businesses (Financial Services + Technology Platform) contributing a growing share of revenue. ^[27]

Valuation: premium multiple for a high‑growth bank‑fintech hybrid

Pulling together MarketBeat and TS2 Tech data: ^[28]

Market cap at Monday’s close sits in the $30–31 billion range.
Trailing P/E is roughly 46–47x.
PEG ratio (price‑to‑earnings‑to‑growth) is about 2.5x.
Beta near 1.9, underscoring the stock’s sensitivity to risk sentiment and macro swings.

This is why so many of today’s commentators repeat the same refrain: great business, demanding valuation.

Today’s bull vs. bear debate on SOFI stock

Putting together Monday’s articles, you can boil things down to two competing narratives.

The bull case being highlighted today

Supporters see SoFi as:

A profitable, high‑growth digital bank with a full national charter, cheap deposit funding and strong credit metrics. ^[29]
A fintech infrastructure provider via Galileo and Technisys, powering embedded finance and Banking‑as‑a‑Service for nearly 160 million accounts. ^[30]
A consumer super‑app that keeps adding nearly a million members per quarter and cross‑selling multiple products. ^[31]
Now, the first and only nationally chartered bank offering integrated crypto trading, with plans for stablecoins, blockchain remittances and broader Web3 integration—a potential magnet for younger, crypto‑curious users. ^[32]

From that angle, Monday’s pullback‑and‑rebound dynamic—down 20% from the highs, then up nearly 9% today—looks like exactly the kind of volatility long‑term bulls expect in a high‑beta compounder.

The cautious / bear case

Skeptics, including some of Monday’s commentators, focus on:

Valuation risk: P/E in the mid‑40s and a PEG around 2.5x leave less room for disappointment if growth slows. ^[33]
Macro and credit cycle risk: A weaker economy or rising delinquencies could force SoFi to tighten lending, build reserves and accept slower growth. Ts2 Tech+1
Regulatory and crypto risk: Being a bank‑crypto hybrid may invite extra regulatory scrutiny, especially around stablecoins and digital‑asset custody, which could cap or delay some of SoFi’s more ambitious plans. ^[34]
Insider selling & volatility: The lack of insider buying, steady executive sales, and daily moves that can approach 8–10% make SOFI a “show‑me” story best suited to investors with high risk tolerance and a long runway. ^[35]

Most neutral observers today land somewhere in the middle: they acknowledge SoFi’s impressive execution and unique positioning, but argue that at these levels, returns will hinge on whether management can keep beating guidance and scaling new initiatives like crypto without a stumble.

What Monday’s move means in practical terms

From an informational standpoint, the November 24, 2025 session tells you a few things about SOFI stock:

The market is still highly responsive to narrative.
Crypto headlines, analyst pieces, hedge‑fund letters and options‑flow stories all moved through the tape today. In a name like SoFi, story and sentiment amplify fundamentals.
Q3 results and guidance remain the anchor.
Nearly every article published on November 24 references SoFi’s record Q3 revenue, eight straight profitable quarters, and higher 2025 outlook. Those numbers are still the backbone of both the bull and bear arguments.
Crypto is now structurally part of the investment thesis.
SoFi isn’t just a lender or a digital bank anymore; it’s explicitly positioning itself as a regulated gateway into crypto and Web3. That raises both upside optionality and risk.
The stock remains a high‑beta, high‑attention vehicle.
Strong institutional interest, active options trading, high social‑media chatter and frequent analyst coverage mean SOFI will likely stay volatile, both up and down.

Key takeaways for SOFI on November 24, 2025

Price: SOFI closed at $27.37, up ~8.7% on the day and about 18% below its mid‑November all‑time highs above $32. ^[36]
Catalysts: The rally rode on Q3 strength, crypto‑trading launch buzz, and fresh positive commentary from outlets like Barchart, TS2, Hedgeye and Polen Capital, offset by valuation warnings from Seeking Alpha and Simply Wall St. ^[37]
Flows: New 13F filings show multiple institutions increasing their SoFi stakes, while options‑flow data indicates active bullish positioning among large traders. ^[38]
Risk profile: SoFi now trades at a premium multiple, with high volatility, crypto exposure, and regulatory complexity, making it a name where position sizing and time horizon matter as much as the headline narrative. Ts2 Tech+2Hedgeye+2

Important note: This article is for information and education only. It is not financial, investment, tax or legal advice, and it does not recommend buying, selling or holding any security. Always do your own research and consider speaking with a licensed financial adviser before making investment decisions.

For readers who want to dig into the primary coverage of SoFi from November 24, 2025, here are some of the day’s notable headlines:

SoFi CEO on launch of crypto trading: Blockchain and crypto are a supercycle technology just like AI