SoFi Technologies, Inc. (SOFI) Up 8.1% — Time to Turn Interest into Action?
SoFi Technologies, Inc. (SOFI) showed strong performance in the latest session, with the stock advancing 8.12% and gaining $3.51 from the prior close to finish at $29.69. The move pushed shares closer to their 52-week high of $32.73 set on Nov. 12, 2025, leaving them only a few dollars below that recent peak. This price action underscores strong bullish activity, as the stock continues to gain ground after consolidating at lower levels earlier in the year. The sharp single-day advance stands out on the chart, reinforcing the sense of building momentum as SOFI approaches a key resistance area near its 52-week high.
Trading activity was also robust, with volume reaching 34.98 million shares. While this came in below the 90-day average of 66.99 million shares, the combination of solid turnover and a strong percentage gain still reflects a confident bid under the stock. From a sector perspective, SOFI’s latest surge compares favorably to many large financial peers such as Berkshire Hathaway (BRKB), JPMorgan Chase (JPM), Visa (V), and Mastercard (MA), where recent daily moves have generally been more muted by comparison. The ability to post an 8.12% advance on healthy volume, while trading within striking distance of a fresh 52-week high, spotlights a stock that is currently gaining momentum and attracting attention from investors focused on upside price action.
Why SoFi Technologies, Inc. Price is Moving Higher
SoFi Technologies, Inc. is benefiting from a powerful combination of company-specific momentum and growing enthusiasm for fintech leaders. A key catalyst has been the recent endorsement from high-profile analyst Stephen Guilfoyle, who named SoFi his top stock pick for 2026. He highlighted the company’s 38% year-over-year revenue jump in Q3 2025 to $962 million and set a $36 price target, with longer-term potential sketched out as high as $100. That bullish view aligns with broader Street optimism: all 13 sell-side analysts have raised their 2025 revenue estimates to $3.54 billion, reinforcing the narrative that SoFi is scaling rapidly. The company’s scheduled Jan. 30, 2026 call to discuss Q4 and full-year 2025 results adds a clear, near-term focal point for investors anticipating more evidence of sustained growth.
Under the surface, the fundamentals help explain why buyers are willing to pay a premium multiple near 49 times earnings. SoFi’s revenue growth of about 38% and profit margin near 19% signal a business that is not only expanding quickly but also moving toward stronger profitability—traits investors often reward in the Financial Services industry. The firm is also well positioned to capture the accelerating shift toward digital banking, particularly among younger consumers, with 64% of Gen Z reportedly preferring digital-first financial platforms. Combined with year-to-date price gains of roughly 81%, recent target hikes from major institutions such as JPMorgan, and heightened attention to fintech names alongside established players like JPMorgan Chase, Visa, MasterCard, and Berkshire Hathaway, sentiment around SoFi has turned decisively bullish and is helping push the stock higher.
What is the SoFi Technologies, Inc. Rating - Should I Buy?
Weiss Ratings assigns SOFI a C rating. Current recommendation is Hold. For investors, that places SoFi Technologies, Inc. in the middle of the pack on a risk‑adjusted basis — not yet in clear Buy territory, but stronger than many higher‑risk growth names. The C (Hold) rating incorporates both the company’s rapid expansion and the need for more proven, consistent performance over time.
On the positive side, SoFi’s fundamentals show meaningful momentum. The Fair Growth Index is supported by revenue growth of 37.81%, while the Fair Efficiency Index is backed by a 19.45% profit margin and 8.59% return on equity. These metrics indicate that operations are scaling and the business model is beginning to generate solid returns. In addition, the Excellent Solvency Index signals a strong balance sheet foundation, which is especially important for a financial services firm pursuing aggressive expansion.
From a market performance standpoint, the Good Total Return Index shows that, despite volatility, shareholders have been rewarded reasonably well for the risk taken so far. However, the Weak Volatility Index serves as a reminder that SOFI can experience sharper price swings than more established Financials sector names. Combined with a forward P/E of 47.47, investors are paying a premium that assumes continued high growth and successful execution.
When compared with sector peers such as Berkshire Hathaway Inc. (BRKB, B), JPMorgan Chase & Co. (JPM, B), and Visa Inc. (V, B), SoFi’s C (Hold) rating reflects a developing story rather than a fully mature franchise. For investors with a positive view on digital finance and a higher risk tolerance, SOFI may be worth watching closely, but the overall rating argues for patience rather than aggressive accumulation at this stage.
About SoFi Technologies, Inc.
SoFi Technologies, Inc. is a digital-first financial services provider that aims to be a full-scale financial platform for its members. Operating primarily through its mobile app and online interfaces, SoFi offers a broad suite of products spanning lending, personal finance management and investing. Its core offerings include student loan refinancing, personal loans and home loans, complemented by checking and savings accounts, credit cards and cash management tools. By integrating these services in a unified platform, the company seeks to simplify financial lives and create a seamless experience across spending, borrowing and saving.
Beyond traditional banking-style services, SoFi has built a robust presence in digital investing and wealth management. Members can access active and automated investing, fractional shares, exchange-traded funds and retirement accounts, as well as cryptocurrency trading. Educational resources, financial planning tools and member benefits are embedded into the platform to encourage long-term engagement. SoFi also operates a technology and platform segment, providing Banking-as-a-Service capabilities to enterprise clients, which enhances its role within the broader financial technology ecosystem.
SoFi’s competitive position in the Financial Services industry is anchored in its technology infrastructure, mobile-native design and focus on a younger, digitally oriented customer base. The company’s ability to cross-sell multiple products to members within a single ecosystem, combined with strong brand recognition in the fintech space, supports its ambition to function as a primary financial relationship for its users. This integrated approach distinguishes SoFi from many traditional financial institutions and niche fintech competitors.
Investor Outlook
With SoFi Technologies, Inc. (SOFI) carrying a C (Hold) Weiss Rating, the stock sits in a middle ground where execution and broader Financials-sector trends could tip the balance toward improved performance. Investors may want to watch how business fundamentals evolve relative to peers, especially any catalysts that could justify an eventual rating upgrade and support potential for continued gains. See full rankings of all C-rated Financials stocks inside the Weiss Stock Screener.
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