SoFi Technologies, Inc. (NASDAQ: SOFI) heads into Monday’s U.S. trading session riding one of its strongest weekly rallies of the year, powered by record third‑quarter results, a bold push into crypto and a growing debate over valuation.
Between November 28 and November 30, 2025, coverage of SoFi has focused on three big questions:
- how sustainable its new profit profile really is,
- whether its crypto strategy is adding value or risk, and
- if the stock has already run too far, too fast.
SoFi stock price snapshot before the December 1, 2025 open
As of the close on Friday, November 28, 2025, SoFi shares finished at $29.72, up 4.3% on the day, with roughly 26–27 million shares changing hands. [1]
Data from Fintel and other market trackers show that this capped a weekly gain of about 18%, lifting SoFi’s market capitalization to roughly $35.8 billion and extending a powerful rally that has seen the stock more than double (around 100%+) over the past 12 months. [2]
Trading ranges and key points heading into Monday:
- Friday’s range: roughly $28.46 – $29.88
- Week‑over‑week move: about +18%
- 12‑month move: ~+100% from levels in late 2024 [3]
Market commentary over the weekend repeatedly framed the $30 level as an important psychological line to watch when trading resumes on Monday, December 1, 2025, after the strong run‑up into month‑end.
The earnings engine behind the rally: record Q3 2025 results and raised guidance
Much of the late‑November coverage still traces the current rally back to SoFi’s Q3 2025 earnings, released on October 28 but dissected again in articles published November 28–30.
According to SoFi’s official earnings release and investor materials, the company reported: [4]
- Adjusted net revenue: about $950 million in Q3 2025, up roughly 38% year‑over‑year
- GAAP net income: turned a solid profit (around $139 million)
- Adjusted EBITDA: about $277 million, up roughly 50% YoY
- Particularly strong growth in the Financial Services segment, with net revenue up about 76% compared with the prior year
Over the weekend, Simply Wall St reiterated that SoFi’s Q3 adjusted net revenue of around US$950 million marked a record quarter and highlighted how innovations such as blockchain‑powered remittances and in‑app crypto trading have helped drive member growth and platform usage. [5]
Several outlets also focused on guidance:
- SoFi has raised its full‑year 2025 adjusted EPS guidance to about $0.37, up from a prior forecast of $0.31, and above the roughly $0.32 Street consensus that prevailed at the time of the Q3 release. TS2+1
- MarketBeat and other data providers still show average analyst expectations around $0.26 in EPS for the current fiscal year, emphasising the gap between SoFi’s own targets and the Street’s more conservative models. [6]
This combination—faster‑than‑expected profitability, raised guidance and a still‑skeptical consensus—is a key narrative thread in nearly all analyses dated November 28–30.
Crypto push moves center stage in late‑November coverage
A major theme in recent news is SoFi’s increasingly bold move into crypto and blockchain‑based services.
On November 11, 2025, SoFi announced “SoFi Crypto,” positioning SoFi Bank as the first and only nationally chartered, FDIC‑insured bank to launch crypto trading for consumers within a single integrated app. Members can now buy, sell and hold dozens of cryptocurrencies—such as Bitcoin, Ethereum and Solana—directly alongside their checking, savings, lending and investing products. [7]
This launch is being re‑examined in late‑November articles because:
- SoFi is using blockchain to power global crypto‑enabled remittances, making cross‑border transfers faster and cheaper. [8]
- Management has flagged ambitions to introduce a USD stablecoin and further weave crypto rails into lending and payments, aiming for lower‑cost borrowing and new embedded‑finance use cases. [9]
Over the November 29–30 window:
- The Motley Fool argued that SoFi’s crypto bet has helped the stock “comfortably outperform the S&P 500” in 2025, but questioned whether crypto exposure increases earnings volatility and regulatory risk. [10]
- A social‑data roundup from Quiver Quantitative noted that users on X (formerly Twitter) are buzzing about SoFi’s ~38% Q3 revenue growth, its evolution into a full‑stack digital bank, and the potential for rate cuts and even long‑term S&P 500 index inclusion as future tailwinds—though the latter remains purely speculative with no indication from index committees. [11]
The bottom line from this weekend’s crypto‑focused coverage:
- Bulls see SoFi’s regulated, bank‑grade approach to crypto as a differentiator versus pure‑play exchanges, with cross‑selling potential across lending and deposits. [12]
- Skeptics worry about regulatory complexity and the possibility that crypto‑related fee income could prove cyclical and hard to forecast, putting pressure on valuation multiples. [13]
Analyst ratings, price targets and the valuation tug‑of‑war
From November 28 to 30, a flurry of notes and data updates has reinforced just how split Wall Street remains on SOFI.
Consensus view
StockAnalysis and MarketBeat data show that: [14]
- SoFi currently carries a consensus rating of “Hold”.
- The average 12‑month price target sits in the mid‑$20s (around $24.7–$24.9), implying downside vs. Friday’s $29.72 close.
- Target ranges are wide, with lows near $12 and highs around $37, reflecting very different assumptions about growth, margins and credit risk.
A MarketBeat piece from November 28 summarised the analyst breakdown as roughly 1 Strong Buy, 7 Buy, 12 Hold and 3 Sell ratings, underscoring that enthusiasm is far from unanimous even after the Q3 beat. [15]
Recent price‑target highlights
A QuiverQuant recap of the week’s moves highlighted that in recent months: [16]
- Citigroup boosted its target to $37 (Buy).
- Needham is at $36 (Buy).
- Truist most recently set a target around $28.
- Barclays, Goldman Sachs, J.P. Morgan and UBS cluster in the low‑ to high‑$20s, with a mix of Hold, Underweight and Underperform calls.
This spread captures the core divide:
- Optimists see a durable, high‑return digital bank with growing fee‑based revenue and strong deposit funding.
- Skeptics worry that after a triple‑digit percentage rally over 12 months, the stock already discounts a lot of that upside.
Valuation concerns
Simply Wall St’s November 29 piece, “Is Now the Right Time to Reassess SoFi After 101.6% Rally,” is representative of the cautious camp. Their Excess Returns model suggests SoFi may be overvalued by more than 200% relative to their estimate of fair value, implying that even impressive growth doesn’t fully justify the current valuation in their framework. [17]
At the same time, a Yahoo Finance feature titled “From Fintech Speculation to Profit Engine” argued that SoFi’s technical setup looks “clear and compelling”, noting earlier in the week the stock logged back‑to‑back daily gains of roughly 8.8% and 3.4% as it powered through resistance levels. [18]
Together, late‑November analyst and media coverage paints a picture of a stock where:
- Momentum traders like the uptrend,
- Fundamental bulls point to accelerating profitability and a diversified fintech platform, and
- Valuation‑sensitive investors are increasingly wary at these levels.
Institutional flows and options activity: support under the surface
Several MarketBeat alerts published between November 28 and 30 point to steady, if modest, institutional accumulation of SoFi shares:
- Legal & General Group plc has raised its position in SoFi, part of what MarketBeat describes as continued institutional interest following the Q3 beat and guidance raise. [19]
- CreativeOne Wealth LLC disclosed a ~120% increase in its SoFi stake, bringing its position to just over 24,000 shares, valued around $440,000 at recent prices. [20]
- Vinva Investment Management Ltd reported purchasing roughly 21,000 shares, another incremental addition to institutional ownership. [21]
These positions are relatively small in the context of SoFi’s overall float, but they underline a pattern of gradual institutional buying that complements the strong retail interest the stock already enjoys.
Simply Wall St also highlighted a rise in hedge fund holdings and active options trading on SoFi after its record Q3, suggesting more sophisticated investors are increasingly using options to express directional and volatility views on the stock. [22]
Upcoming UBS Global Technology & AI Conference: a near‑term catalyst
Another recurring topic in coverage from November 28–30 is SoFi’s participation in the UBS Global Technology & AI Conference:
- On November 26, 2025, SoFi announced that CFO Chris Lapointe will join a fireside chat on Wednesday, December 3, 2025, with a webcast available to investors. [23]
Commentary from sites that picked up the press release suggests investors will be listening for:
- Additional color on net interest margins and deposit growth,
- Updates on SoFi Crypto adoption and regulatory engagement, and
- Any hints about capital allocation, including share‑based compensation trends and potential future capital returns.
While the event takes place after Monday’s open, traders often position ahead of high‑profile conference appearances, especially in stocks that have already been moving sharply.
Algorithmic and retail‑driven forecasts: wide ranges, big caveats
Beyond traditional Wall Street research, late‑November coverage also surfaces a range of algorithmic and retail‑driven price forecasts:
- CoinCodex models suggest SoFi’s 2025 trading range could fall roughly between $24.93 and $29.67, placing the current price near the high end of that band. [24]
- Long‑term, some model‑based sites envision scenarios where SoFi could trade significantly higher over the next several years—but those projections rely heavily on trend extrapolation and should be treated as illustrative, not predictive. [25]
- On platforms like YouTube, retail commentators continue to publish highly optimistic scenarios—such as videos touting “rumors” that could send SoFi to $40 per share—which are speculative and not grounded in formal valuation work. [26]
For readers following SoFi into Monday’s session, the key takeaway is that forecast ranges are extremely wide, and their quality varies dramatically depending on the methodology and incentives of the source.
Key themes from November 28–30 coverage
Pulling all of the late‑November news and analysis together, several consistent themes emerge:
- From growth story to profit engine
- SoFi’s Q3 2025 results and raised guidance reinforced the view that it has moved beyond a pure “fintech story stock” into a company capable of producing recurring profits with a growing base of low‑cost deposits. [27]
- Crypto as both opportunity and risk
- The SoFi Crypto launch, plus blockchain‑enabled remittances and planned stablecoin initiatives, give SoFi new fee streams and differentiation—but also increase regulatory and market‑volatility exposure. [28]
- Valuation stretched vs. many models
- After a triple‑digit percentage gain in 12 months and an ~18% weekly jump, numerous valuation frameworks (including Simply Wall St’s DCF model and the Street’s average price target) suggest SoFi may be trading above fair value on traditional metrics. [29]
- Institutional and retail interest are both rising
- New SEC filings point to continued institutional buying, while options data and social‑media analysis show retail and hedge‑fund engagement staying high. [30]
- Upcoming catalysts matter
- The UBS Global Technology & AI Conference fireside chat on December 3 is viewed as the next scheduled event that could shift sentiment or refine earnings expectations. [31]
What to watch for at the December 1, 2025 open
As trading resumes on Monday, December 1, 2025, investors and traders watching SOFI may focus on:
- Follow‑through vs. profit‑taking
After an 18% weekly surge and a close just shy of $30, one key question is whether buyers continue to push the stock through the psychological $30 level, or whether short‑term holders lock in gains, leading to a pullback or consolidation. - Premarket liquidity and headlines
Any new analyst commentary, rating changes or macro news—especially around interest‑rate expectations, which directly affect SoFi’s lending economics—could amplify premarket moves. - Positioning into the UBS conference
Some market participants may begin to front‑run potential commentary from CFO Chris Lapointe at the December 3 UBS Global Technology & AI Conference, particularly around margin trends, deposit growth and crypto traction. - Sentiment on crypto and regulation
Given the attention drawn to SoFi’s role as the first nationally chartered bank to offer crypto trading, any regulatory signals or shifts in crypto market sentiment could spill over into SoFi’s share price. [32]
Final word
SoFi enters the December 1, 2025 session on the front foot: revenue and profits are growing, guidance has moved higher, and the company is leaning aggressively into crypto and digital‑banking innovation.
At the same time, valuation is hotly debated, and late‑November commentary underscores a widening gap between the company’s own ambitions, bullish long‑term narratives and more cautious models that see limited upside—or even downside—from current levels.
For readers tracking SoFi stock into Monday’s open, the story now is less about whether the business is improving, and more about how much of that improvement is already in the price.
This article is for informational purposes only and does not constitute investment advice, a recommendation to buy or sell any security, or a prediction of future price performance. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
References
1. investors.sofi.com, 2. fintel.io, 3. fintel.io, 4. s27.q4cdn.com, 5. simplywall.st, 6. www.marketbeat.com, 7. investors.sofi.com, 8. investors.sofi.com, 9. investors.sofi.com, 10. www.fool.com, 11. www.quiverquant.com, 12. investors.sofi.com, 13. www.fool.com, 14. stockanalysis.com, 15. www.marketbeat.com, 16. www.quiverquant.com, 17. simplywall.st, 18. finance.yahoo.com, 19. www.marketbeat.com, 20. www.marketbeat.com, 21. www.marketbeat.com, 22. simplywall.st, 23. investors.sofi.com, 24. coincodex.com, 25. longforecast.com, 26. www.youtube.com, 27. s27.q4cdn.com, 28. investors.sofi.com, 29. simplywall.st, 30. simplywall.st, 31. investors.sofi.com, 32. investors.sofi.com
