How to Buy Sofi Technologies Stock
Sofi Technologies Inc
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services.
Sofi Technologies stock last closed at $16.76, down 4.83% from the previous day, and has decreased 42.27% in one year. It has underperformed other stocks in the Credit Services industry by 0.49 percentage points. Sofi Technologies stock is currently +20.92% from its 52-week low of $13.86, and -48.79% from its 52-week high of $32.73.
At the moment, there are 1.29B shares of SOFI outstanding. The market capitalization of SOFI is $21.65B. In the last 24 hours, 64.31M 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.
- Send your details by clicking the "Create Account" button. Get started with eToro today
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 32.23x, relative to Credit Services industry P/E ratio of 28.11x
- SOFI may be undervalued based on its P/B ratio of 1.95x, relative to Credit Services industry P/B ratio of 5.32x
- SOFI may be overvalued based on its PEG ratio of 1.21x
You can access additional valuation analysis on SOFI's stock here.
A quick look at SOFI Financials
Signs that SOFI is not financially healthy:
- SOFI has a relatively high debt to equity ratio of 4.5.
- Total SOFI debt is higher than 5 years ago, relative to shareholder equity.
- SOFI profit margin has gone down from 18.4% to 14.8% in the past year.
Is it a good time to buy Sofi Technologies stock, according to analysts?
Out of 14 Equities analysts who monitor SOFI, the consensus analyst rating on SOFI is a Buy
Please keep in mind that analyst ratings are not stock recommendations, nor are they investment advice.
Most Recent SOFI Analyst Upgrades/Downgrades
Timothy Switzer, a top 17% analyst from Keefe, Bruyette & Woods maintains SOFI with a sell rating and raises their SOFI price target from $15.00 to $16.00, on Oct 28, 2026.
Keefe, Bruyette & Woods's Timothy Switzer raised their price target on Sofi Technologies (NASDAQ: SOFI) by 6.7% from $15 to $16 on 2026/10/28. The analyst maintained their Sell rating on the stock.
SoFi Technologies reported its Q3 2026 earnings.
The quarter's revenue and EBITDA were better than expected, Switzer told readers.
Management guided FY 2027 EPS to $0.90, the analyst said, cautioning, however, that earnings continue to be heavily concentrated in Lending, projected at 86% of FY 2027 revenue, with more stable interest rates expected to moderate capital consumption in spite of continued declines in capital levels.
Earnings Report
For Q3 2026, SoFi Technologies reported:
- EPS of $0.18, which beat the Zacks Consensus Estimate of $0.17 and, by 64%, Q3 2025’s $0.11.
- Revenue of $1.37B, which beat the Zacks Consensus Estimate by 9.08% and, by 44%, Q3 2025’s $961.6M.
Management guided:
For FY 2026:
- EPS of $0.61.
- Revenue of $5.04B.
For FY 2027:
- EPS of $0.90.
- Revenue of $6.4B.
CEO Anthony Noto commented: “We had exceptional Q3 results against the backdrop of any environment, but they are even more remarkable given how 2026 has unfolded.
“Our focus is simple.
“We are adding more members, who are using more products, and generating more revenue per product to create the most value for our shareholders over the long run.
“In less than a decade, we have transformed SoFi from a single-product company into an everything financial app with eight different businesses each generating over $100M in annualized revenue.
“Our conviction in the opportunity ahead has never been greater.”
Kyle Peterson, a top 26% analyst from Needham reiterates SOFI with a buy rating and maintains their SOFI price target from $24.00 to $24.00, on Oct 28, 2026.
Matthew Coad, a top 37% analyst from Truist Securities maintains SOFI with a hold rating and lowers their SOFI price target from $19.00 to $16.00, on Oct 23, 2026.
An analyst from StoneX initiates coverage on SOFI with a strong buy rating and announces their SOFI price target of $25.00, on Oct 13, 2026.
Reginald Smith, a top 25% analyst from Loop Capital initiates coverage on SOFI with a hold rating and announces their SOFI price target of $22.00, on Sep 9, 2026.
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 $636.26M. During the past one years, SOFI's earnings have gone up by -1.89% per year. This was slower than the Credit Services industry average of 60.55%.
Last year, SOFI revenue was $4.31B. Over the past five year, SOFI's revenue has grown by 40.04% per year. This was faster than the Credit Services industry average of 13.88%.
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 of SOFI, was the latest SOFI insider to sell. They sold $150,218.77 worth of SOFI shares on Oct 20, 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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