How to Buy Sofi Technologies Stock
Sofi Technologies Inc
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services.
Sofi Technologies stock last closed at $15.53, down 15.44% from the previous day, and has increased 16.99% in one year. It has overperformed other stocks in the Credit Services industry by 0.11 percentage points. Sofi Technologies stock is currently +24.9% from its 52-week low of $12.43, and -52.57% from its 52-week high of $32.73.
At the moment, there are 1.28B shares of SOFI outstanding. The market capitalization of SOFI is $19.80B. In the last 24 hours, 198.24M SOFI shares were traded.
How to Buy Sofi Technologies Stock
Wondering how to invest in Sofi Technologies stock? Here's how.
- Choose where to buy Sofi Technologies stock: You need to pick an online brokerage, but don't worry - we've researched dozens of online stock brokerages and apps to help you choose where to buy Sofi Technologies stock.
- Create your brokerage account: Sign up for 0% commission trading with the highest-rated brokerage we've selected.
- Deposit funds into your brokerage account: Pick your payment method and add your information.
- Research Sofi Technologies stock: The Sofi Technologies ticker symbol is SOFI. Is Sofi Technologies stock a good investment? Should you buy shares of SOFI? How do SOFI's underlying business fundamentals look? Do top analysts think Sofi Technologies is a good buy? Why has SOFI's stock price moved recently? (Hint: Our stock market analysis website can help you understand if SOFI is a good stock to buy).
- Place your SOFI buy order: Decide if you will purchase SOFI shares at the current market price or use a limit order to purchase SOFI stock at a given price.
- Get key alerts regarding your SOFI position: Create a watchlist to watch your investment in Sofi Technologies shares.
Step 1: Choose where to buy Sofi Technologies stock
You need an online brokerage account to access the NASDAQ market and buy SOFI stock.
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Open eToro AccountStep 2: Create your brokerage account
Now that you've chosen the best brokerage, you need to fill out some personal info so you can buy SOFI stock today.
How to Create a New Account on eToro
- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Enter your personal data to start a new trading account.
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Step 3: Deposit funds into your brokerage account
Now that you have created your account on stock market apps, your next step is to transfer the money for your investment:
Check out this video walkthrough if you need help depositing funds into your investment account.
Step 4: Research Sofi Technologies stock
After you have decided on the best place to buy Sofi Technologies stock, it's critical to research their stock prior to buying, so you can understand the risk and opportunity.
Sofi Technologies Numbers
Sofi Technologies Due Diligence Checks
WallStreetZen was created to help part-time investors do better fundamental analysis quickly.
You can view all of the due diligence checks on SOFI's stock page.
How is SOFI stock valued?
Investors use many financial metrics, analyses, models, and charts to gauge SOFI's true value.
Using relative valuations methods:
- SOFI may be overvalued based on its P/E ratio of 36.96x, relative to Credit Services industry P/E ratio of 27.68x
- SOFI may be undervalued based on its P/B ratio of 1.89x, relative to Credit Services industry P/B ratio of 4.64x
- SOFI may be overvalued based on its PEG ratio of 1.05x
You can access additional valuation analysis on SOFI's stock here.
A quick look at SOFI Financials
Signs that SOFI is financially healthy:
- Total SOFI debt is lower than 5 years ago, relative to shareholder equity.
Signs that SOFI is not financially healthy:
- SOFI has a relatively high debt to equity ratio of 3.83.
- SOFI profit margin has gone down from 18.6% to 13.3% in the past year.
Is it a good time to buy Sofi Technologies stock, according to analysts?
Out of 9 Equities analysts who monitor SOFI, the consensus analyst rating on SOFI is a Hold
Please keep in mind that analyst ratings are not stock recommendations, nor are they investment advice.
Most Recent SOFI Analyst Upgrades/Downgrades
Devin Ryan, a top 1% analyst from Citizens upgrades SOFI to a buy rating and announces their SOFI price target of $30.00, on Feb 9, 2026.
Citizens's Devin Ryan upgraded their rating on Sofi Technologies (NASDAQ: SOFI) from Hold to Buy on 2026/02/09. The analyst also announced a $30 price target.
Sofi Technologies reported its Q4 and FY 2025 earnings.
Upgrading the stock, Ryan reminded readers that the stock has sold off to $21 and is down 20% YTD after trading to highs over $30 in late 2025.
The analyst maintained that the recent risk-off rotation has penalized higher-growth narratives.
SoFi Technologies' selloff is less about near-term macro fears and more about "style factor compression and technicals, creating an opportunity" to own the stock, Ryan argued, detailing that the company offers "compounding at scale" and "rapidly diversifying revenue" toward fee-based and capital-light streams.
Earnings Report
Sofi Technologies reported:
For Q4 2025:
- EPS of $0.13, which beat the Zacks Consensus Estimate of $0.12 and, by 160%, Q4 2024’s $0.05.
- Revenue of $1.01B, which beat the Zacks Consensus Estimate by 3.15% and, by 37%, Q4 2024’s $739.11M.
For FY 2025:
- EPS of $0.39, up 160%.
- Revenue of $3.59B, up 38 % Y/Y.
Management guided:
For Q1 2025:
- EPS of $0.12.
- Revenue of $1.04B.
For FY 2025:
- EPS of $0.60.
- Revenue of $4.66B.
CEO Anthony Noto commented: “2025 was a tremendous year and Q4 was nothing short of exceptional, delivering more than $1B iin quarterly revenue for the first time in our history.
“Our one-stop shop is scaling exactly as intended and delivering a winning combination of growth and returns.
“We added a record 1M new members this quarter and drove record product growth.
“At the same time, we moved with urgency to lead the next phase of financial services by delivering crypto and blockchain innovation backed by bank-grade stability and security.
“This combination of scale, innovation, and profitability positions SoFi to drive durable, compounding growth, and deliver superior financial returns in 2026 and for years to come.”
Reginald Smith, a top 22% analyst from JP Morgan upgrades SOFI to a strong buy rating and announces their SOFI price target of $31.00, on Feb 3, 2026.
Kyle Peterson, a bottom 10% analyst from Needham maintains SOFI with a buy rating and lowers their SOFI price target from $36.00 to $33.00, on Feb 2, 2026.
Tim Chiodo, a top 39% analyst from UBS maintains SOFI with a hold rating and raises their SOFI price target from $20.50 to $27.50, on Oct 30, 2025.
You can dig deeper into what analysts are projecting on the Sofi Technologies stock forecast page.
SOFI Technicals
SOFI Performance Metrics
Last year, SOFI earnings were $481.32M. During the past one years, SOFI's earnings have gone up by -8.7% per year. This was slower than the Credit Services industry average of 16.91%.
Last year, SOFI revenue was $3.61B. Over the past five year, SOFI's revenue has grown by 44.91% per year. This was faster than the Credit Services industry average of 14.83%.
Learn more about SOFI's earnings and revenue performance here.
Are SOFI insiders buying or selling the stock?
Over the last year, executives and large shareholders at SOFI have sold more shares than they have bought.
Kelli Keough, EVP GBUL SIPS of SOFI, was the latest SOFI insider to sell. They sold $187,552.98 worth of SOFI shares on Apr 21, 2026.
Research more about who owns SOFI shares here.
Does SOFI provide a stable income stream?
No, Sofi Technologies doesn't provide an income stream by paying out dividends.
What do other traders have to say about SOFI?
One of the major reasons eToro is our favorite brokerage is because of its social trading community.
Click below to find out what other community members have to say.
Step 5: Place your SOFI buy order
There are two primary options:
- Market order: A market order is an order to buy or sell a security at the best available price.
Market orders are usually the best for newer investors. - Limit order: A limit order lets you buy or sell a security at a specific price (or better).
If you want to be certain you're buying or selling at an exact dollar amount, use a limit order.
Click the Open button and eToro will execute the order.
If you want more help with buying stocks on eToro, watch the helpful video below:
Step 6: Get key alerts regarding your SOFI position
Now that you own some SOFI stock, you'll want to keep up with your shares.
Put SOFI on a watchlist to track the most important metrics related to your SOFI stock.
SOFI Feed
How to Buy Stock in Sofi Technologies
To summarize, here are the 6 steps to buy Sofi Technologies stock:
- Choose where to buy Sofi Technologies stock
- Create your brokerage account
- Deposit funds into your brokerage account
- Research Sofi Technologies stock
- Place your SOFI buy order
- Get key alerts regarding your SOFI position
If you are looking for a online brokerage, eToro is our recommended venue.
Get Started with eToro TodayIf you want to keep tabs on your investment in Sofi Technologies, create a watchlist on WallStreetZen today.
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