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 $30.54, up 8.26% from the previous day, and has increased 116.44% in one year. It has overperformed other stocks in the Credit Services industry by 1.12 percentage points. Sofi Technologies stock is currently +255.12% from its 52-week low of $8.60, and -6.22% from its 52-week high of $32.57.
At the moment, there are 1.21B shares of SOFI outstanding. The market capitalization of SOFI is $36.83B. In the last 24 hours, 93.31M 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 51.76x, relative to Credit Services industry P/E ratio of 33.47x
- SOFI may be undervalued based on its P/B ratio of 4.19x, relative to Credit Services industry P/B ratio of 5.05x
- SOFI may be overvalued based on its PEG ratio of 4.13x
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.
- SOFI profit margin has gone up from 8.4% to 19.3% in the past year.
Signs that SOFI is not financially healthy:
- SOFI has a relatively high debt to equity ratio of 4.16.
Is it a good time to buy Sofi Technologies stock, according to analysts?
Out of 13 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
Reginald Smith, a top 17% analyst from JP Morgan maintains SOFI with a hold rating and raises their SOFI price target from $26.00 to $28.00, on Oct 29, 2025.
JP Morgan's Reginald Smith raised their price target on Sofi Technologies (NASDAQ: SOFI) by 7.7% from $26 to $28 on 2025/10/29. The analyst maintained their Hold rating on the stock.
Sofi Technologies reported its Q3 2025 earnings.
Smith noted the quarter's "record results" attributable to most of Sofi Technologies' key performance indicators improving sequentially.
Looking ahead, however, the analyst cautioned that consensus estimates are now "catching up."
Earnings Report
For Q3 2025, Sofi Technologies reported:
- EPS of $0.11, which beat the Zacks Consensus Estimate of $0.09 and Q3 2024's $0.05.
- Revenue of $949.63M, which beat the Zacks Consensus Estimate by 6.6% and Q3 2024's $689.45M.
For FY 2025, management guided:
- EPS of $0.37, up from the prior $0.31.
- Revenue of $3.54B, up from the prior $3.37B.
CEO Anthony Noto commented: “SoFi delivered an exceptional third quarter, fueled by the strength of our innovation and the power of our one-stop shop strategy.
“We achieved record adjusted net revenue of $950 million and added a record 905,000 new members and 1.4 million new products.
"Our ability to consistently deliver durable growth, strong returns, and exceptional credit performance proves that our strategy is battle-tested and built to outperform.
"The opportunity before us is massive and SoFi is executing from a position of unparalleled strength.
"That’s why we're investing aggressively across the business and accelerating innovation in crypto, blockchain, and AI to help more members than ever before get their money right.”
Terry Ma, a top 26% analyst from Barclays maintains SOFI with a hold rating and raises their SOFI price target from $21.00 to $23.00, on Oct 29, 2025.
Kyle Peterson, a top 20% analyst from Needham maintains SOFI with a buy rating and raises their SOFI price target from $29.00 to $36.00, on Oct 29, 2025.
Jeffrey Adelson, a bottom 10% analyst from Morgan Stanley maintains SOFI with a strong sell rating and raises their SOFI price target from $13.00 to $18.00, on Sep 29, 2025.
Dan Dolev, a top 18% analyst from Mizuho maintains SOFI with a buy rating and raises their SOFI price target from $26.00 to $31.00, on Sep 18, 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 $640.24M. During the past one years, SOFI's earnings have gone up by 210.53% per year. This was faster than the Credit Services industry average of 21.77%.
Last year, SOFI revenue was $3.32B. Over the past four year, SOFI's revenue has grown by 39.76% per year. This was faster than the Credit Services industry average of 13.66%.
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.
Christopher Lapointe, CFO and PAO of SOFI, was the latest SOFI insider to sell. They sold $3,979,863.44 worth of SOFI shares on Nov 5, 2025.
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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