Key Points
SoFi Technologies, Inc. (SOFI) closed lower, with shares moving from a previous close of $29.60 to $27.35. The stock finished the session down 7.62%, declining $2.25 on the day. The move left the stock trading well below the prior close and near the lower end of the day’s range as investors reassessed near-term supply and valuation.
Trading activity skewed toward below-average volume, suggesting the price decline was driven more by a discrete catalyst than broad-based liquidation. Technically, the pullback places shares 16% below the 52-week high of $32.73, creating a gap from recent highs and resetting near-term resistance toward the $29–$30 area. The $27–$28 zone is notable as a potential support band given its proximity to recent offer pricing and prior congestion, while a sustained move back above $30 would be needed to reestablish upside momentum.
In recent sessions, SOFI has exhibited increased sensitivity to company-specific developments compared with the broader Financials sector. While the overall sector backdrop has been steady, investor focus has centered on capital planning, dilution risk, and the balance between growth investment and shareholder returns. That mix has amplified day-to-day volatility as traders calibrate positioning around new supply and technical levels, even as the longer-term narrative remains tied to execution in lending, deposits, and its platform businesses.
Why SoFi Technologies, Inc. Price is Moving
SOFI trades at $27.35, with a market capitalization of $35.69 billion. The trailing twelve-month EPS stands at $0.55, placing the shares at a premium valuation relative to earnings power. Over the past year, the stock has ranged up to a 52-week high of $32.73, from which the current price sits 16% lower. Trading volume has been lighter than typical recent sessions, but the price impact has been pronounced due to a clear supply catalyst.
The primary driver of the 7.6% decline was SoFi Technologies’ announcement of a $1.5 billion public offering of new common shares priced at $27.50, roughly a 7% discount to the prior close of $29.60. The offering includes 54.5 million shares, with underwriters granted a 30-day option to purchase up to an additional 15%, increasing potential dilution. Management framed the raise as enhancing financial flexibility to fund growth and strengthen capital, even with $3.25 billion in cash and equivalents as of Sept. 30, 2025. The offering is expected to close on Dec. 8, 2025, and the discount effectively anchored price action toward the offer level.
Importantly, the capital raise arrived after strong execution. In Q3 2025, SoFi reported revenue of $949.63 million versus $886.17 million expected, and adjusted EPS of $0.11 compared with $0.08 estimates, alongside higher full-year revenue and EPS guidance. That context suggests the sell-off was predominantly about dilution and supply dynamics rather than a deterioration in operating trends. Still, with a P/E of 53.67 on TTM EPS of $0.55, valuation sensitivity can be elevated, and new share issuance typically pressures near-term pricing as investors digest increased float and recalibrate return expectations.
What is the SoFi Technologies, Inc. Rating - Should I Sell or Buy?
Weiss Ratings assigns SOFI a C rating. Current recommendation is Hold.
The rating is built on five indices: the Fair Growth Index (measures revenue and earnings expansion) aligns with reported 37.81% revenue growth, but recognizes that growth must translate into durable profitability. The Fair Efficiency Index (measures operational effectiveness and profit margins) reflects a 19.45% profit margin and 8.59% ROE, indicating improving, yet not top-tier, returns. The Excellent Solvency Index (measures financial health and debt management) underscores a strong capital position. The Good Total Return Index (measures stock price appreciation plus dividends) captures robust multi-period gains, including a significant year-to-date run. The Weak Volatility Index (measures price stability and risk) highlights elevated swings, consistent with a 53.67 P/E that leaves shares sensitive to sentiment and capital actions.
Relative to peers, the Financials sector includes BRKB at a B, BRKA at a C, and JPM at a B. SOFI’s C rating trails the B-rated bellwethers on risk-adjusted performance and stability, while aligning more closely with average sector characteristics. The comparison reinforces that SOFI’s growth profile comes with higher volatility than large, diversified incumbents.
Overall, the C rating indicates a balanced risk/reward profile. Solid solvency and good total return support the case for long-term potential, but fair efficiency and growth — coupled with weak volatility — temper the outlook and justify the Hold stance. In short, strengths are meaningful yet offset by valuation sensitivity and price variability, which is consistent with the current Weiss Rating.
About SoFi Technologies, Inc.
SoFi Technologies, Inc. is a Financial Services company within the Financials sector focused on building a modern, digital-first financial platform. Founded in 2011 as Social Finance, Inc. and headquartered in San Francisco, SoFi began with a mission to help members achieve financial independence. Over time, the company expanded beyond its initial lending roots to offer a comprehensive suite of banking and investing solutions under a single brand.
The company’s core offerings span lending, financial services, and technology platforms. In lending, SoFi provides student loan refinancing, personal loans, and home loans designed with streamlined digital applications and rapid funding. On the financial services side, SoFi offers checking and savings through SoFi Bank, N.A., brokerage and automated investing via SoFi Invest, and credit products, along with a mobile-centric app experience that integrates budgeting and financial planning tools. Its technology platform business provides infrastructure that powers payments, card issuing, and account management for enterprises, supporting embedded finance use cases.
SoFi’s market position rests on an integrated ecosystem that aims to cross-sell multiple products to members through a unified app, data-driven underwriting, and a cloud-native technology stack. Its bank charter supports access to low-cost deposits and enhances control over the customer experience, while its platform capabilities enable partnerships with other institutions. Differentiation stems from product breadth, digital onboarding, and a membership model that seeks to deepen engagement across the customer lifecycle, positioning the company at the intersection of consumer banking and financial technology.
Investor Outlook
With a Weiss C (Hold) rating, investors should watch how SOFI trades around the $27–$30 band and whether supply from the offering is absorbed ahead of the expected closing. Volatility remains a factor, while solvency and total return support the longer-term case if efficiency continues to improve. See full rankings of all C-rated Financials stocks inside the Weiss Stock Screener.