Should I buy SoFi stock in 2025? Essential Insights for Singapore
Is it the right time to buy SoFi?
ScoreSoFi Technologies (NASDAQ: SOFI) continues to draw strong investor attention in Singapore’s dynamic fintech investment landscape. As of early July 2025, the stock is trading around $18.57, having reached a new 52-week high, with an impressive average daily trading volume of about 66.7 million shares. The company recently delivered a record Q1 2025, exceeding revenue forecasts and showcasing robust member expansion and loan origination growth. Recent developments—including a renewed push into crypto investing, strategic global remittance expansion, and significant new lending agreements—signal the management’s commitment to broadening its platform and deepening its competitive edge. Although valuation remains elevated, overall market sentiment is constructive, underpinned by regulatory tailwinds in student lending and a favorable environment for financial technology disruptors. In a sector rapidly evolving with technological innovation, SoFi stands out for its scalable model and leadership. The consensus of more than 15 national and international banks sets a target price near $24.14, underlining the confidence in SoFi’s growth trajectory. For Singapore investors tracking fintech leaders, SoFi offers an intriguing blend of rapid growth and proven execution.
- ✅Impressive 34% year-on-year member growth to 10.9 million members
- ✅Record $772 million Q1 2025 net revenue, exceeding analyst forecasts
- ✅Major new lending partnerships and global remittance expansion
- ✅Reinstated crypto investing capabilities enhancing platform breadth
- ✅Clear leadership in US student loan refinancing, over $46 billion processed
- ❌High price-to-earnings ratio signals premium valuation and need for ongoing execution
- ❌Loan business remains sensitive to interest rate fluctuations and credit cycles
Score- ✅Impressive 34% year-on-year member growth to 10.9 million members
- ✅Record $772 million Q1 2025 net revenue, exceeding analyst forecasts
- ✅Major new lending partnerships and global remittance expansion
- ✅Reinstated crypto investing capabilities enhancing platform breadth
- ✅Clear leadership in US student loan refinancing, over $46 billion processed
Is it the right time to buy SoFi?
- ✅Impressive 34% year-on-year member growth to 10.9 million members
- ✅Record $772 million Q1 2025 net revenue, exceeding analyst forecasts
- ✅Major new lending partnerships and global remittance expansion
- ✅Reinstated crypto investing capabilities enhancing platform breadth
- ✅Clear leadership in US student loan refinancing, over $46 billion processed
- ❌High price-to-earnings ratio signals premium valuation and need for ongoing execution
- ❌Loan business remains sensitive to interest rate fluctuations and credit cycles
Score- ✅Impressive 34% year-on-year member growth to 10.9 million members
- ✅Record $772 million Q1 2025 net revenue, exceeding analyst forecasts
- ✅Major new lending partnerships and global remittance expansion
- ✅Reinstated crypto investing capabilities enhancing platform breadth
- ✅Clear leadership in US student loan refinancing, over $46 billion processed
- What is SoFi?
- How much is SoFi stock?
- Our full analysis of SoFi stock
- How to buy SoFi stock in Singapore?
- Our 7 tips for buying SoFi stock
- The latest news about SoFi
- FAQ
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Why trust HelloSafe ?
At HelloSafe, our expert has been tracking the performance of SoFi for over three years. Every month, hundreds of thousands of users in Singapore trust us to decipher market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by SoFi.
What is SoFi?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | SoFi is a US-based fintech, offering digital financial services globally. |
| 💼 Market | NASDAQ (USD) | Listed on NASDAQ, SoFi attracts global investors seeking fintech growth. |
| 🏛️ ISIN code | US83406F1021 | The ISIN uniquely identifies SoFi shares on international markets. |
| 👤 CEO | Anthony Noto | Anthony Noto, CEO since 2018, drives product expansion and strategic growth. |
| 🏢 Market cap | $20.53 billion | A significant market cap shows SoFi’s rapid rise in the fintech sector. |
| 📈 Revenue | $772 million (Q1 2025) | Record quarterly revenue signals strong customer and product growth. |
| 💹 EBITDA | $412 million (Q1 2025, adjusted) | High EBITDA reflects operational scalability and profitability progress. |
| 📊 P/E Ratio (Price/Earnings) | 43.19 (trailing twelve months) | Valuation is high, reflecting strong growth expectations and market optimism. |
How much is SoFi stock?
The price of SoFi stock is rising this week. The current price is USD 18.57, with a 24-hour increase of 2.48% and strong weekly momentum. SoFi’s market capitalization stands at USD 20.53 billion, with an average three-month trading volume of 66.73 million shares. The stock’s P/E ratio is 43.19, SoFi does not pay a dividend, and the beta of 1.92 signals higher volatility compared to the overall market. With its active fintech expansion and high investor interest, SoFi presents notable growth opportunities alongside increased price swings.
Our full analysis of SoFi stock
After rigorous examination of SoFi’s latest financial disclosures and a review of its share performance across the past three years, we have synthesized financial data, technical signals, market sentiment, and sector comparisons through our proprietary analytical algorithms. This approach enables us to uncover the leading indicators and growth levers fueling current momentum. So, why might SoFi stock once again become a strategic entry point into the fintech sector in 2025?
Recent performance and market context
SoFi’s share price has shown remarkable strength in 2025, reaching USD 18.57 as of July 5, with a robust 2.48% daily gain and an outstanding 184% year-on-year advance. Over the past six months, the stock climbed 20.58%, outperforming most sector peers and reinforcing investor confidence in SoFi’s strategic positioning. This surge has been driven by impressive Q1 2025 results—net revenue soared to USD 772 million, with loan originations hitting a record USD 7.2 billion, up 66%. The fintech sector continues to command attention, fueled by major shifts in consumer behavior towards integrated digital banking and rapid adoption in key global markets, including Asia. In Singapore, the heightened interest in digital finance has amplified the relevance of SoFi’s all-in-one platform, positioning it as a compelling proxy for the sector’s expansion.
Technical analysis
Technical indicators underline the sustainability of SoFi’s current rally. The 14-day RSI stands at 71.4 (overbought territory), confirming the strength of buyer interest, while the MACD registers a positive 0.29, indicating ongoing momentum. The price currently trades above all major moving averages, with the 20-day EMA at USD 15.57, forming a solid base for further appreciation. The next key psychological resistance is USD 19.00, while multiple technical supports below provide downside protection should volatility arise. The recent 52-week high sets a positive backdrop for trend-following investors; most algorithmic models continue to issue “buy” signals on a short- and medium-term outlook. Current technical structure favours accumulation on minor dips, with a well-established uptrend in place.
Fundamental analysis
From a fundamental standpoint, SoFi’s revenue base continues to expand at an accelerated pace. Q1 2025 produced a net income of USD 71.1 million—a clear signal of improving profitability—while adjusted net revenue climbed 27% year-on-year. SoFi’s diversified financial technology model stands out: consumer banking, lending, crypto investing, and global remittance services contribute to multiple recurring revenue streams. Member growth remains impressive at 34%, taking the user base to 10.9 million. The company’s trailing P/E ratio is elevated at 43.19, reflecting investor conviction in its scalable, high-growth business model. For comparison, such valuations are commonly reserved for tech-enabled market leaders in their early maturity phase, supported by SoFi’s steadfast brand recognition and its dominant US student loan refinancing portfolio (over USD 46 billion refinanced since inception).
Beyond raw metrics, SoFi’s trend of exceeding consensus estimates (notably surpassing Q1 revenue forecasts by over USD 31 million) and its evolving strategic ecosystem have greatly enhanced its medium-term outlook. The absence of a dividend means earnings are fully reinvested, fueling additional growth and market share capture.
Volume and liquidity
SoFi’s trading activity reflects strong institutional and retail interest, with a three-month average daily volume of 66.73 million shares providing deep liquidity and reliable price discovery. This robust turnover allows investors to enter and exit positions efficiently, reducing execution risk. Moreover, the company’s sizable market cap of USD 20.53 billion signals broad market confidence, reinforcing SoFi’s status as a core fintech holding within global growth portfolios. The ample free float also supports dynamic valuation and flexibility for large capital flows, a critical factor for Singapore investors prioritizing liquidity and marketability.
Catalysts and positive outlook
- Product innovation: The return of crypto investment options, partnership with Blue Owl for up to USD 5 billion in new lending capacity, and global remittance launches all support revenue diversity and technological leadership.
- Strategic alliances: Expanded loan agreements with Fortress and Edge Focus bolster lending capability and profitability.
- Regulatory tailwinds: Recent US federal policy changes—reducing student loan forgiveness—provide SoFi with a favourable refinancing opportunity.
- User growth and engagement: Sustained 34% growth in membership strengthens SoFi’s ecosystem, supporting cross-selling and retention.
- Asia-Pacific opportunity: As Singapore and neighboring markets push forward with digital banking innovation, SoFi’s proven scalable model echoes regional development goals and finserv digitalisation trends.
- Earnings momentum: Zacks estimates predict 80% EPS growth in 2025, reflecting a period of rapid operational leverage and improved margins.
The alignment of sector momentum, innovative product launches, and supportive regulation creates a rare environment where both cyclical and structural growth drivers are in play.
Investment strategies
Short-term investors may find opportunities by capitalising on momentum-driven breakouts above USD 19.00, or entering on minor technical corrections near established support levels to optimize risk-adjusted returns. Given the stock’s current uptrend, traders should watch for fresh highs and potential volume spikes coinciding with news on new product rollout or regulatory changes.
In the medium term, the planned expansion of SoFi’s lending platform, continued member growth, and the potential for positive surprises in future earnings cycles argue for a core portfolio allocation. Investors should look to accumulate on pullbacks, particularly if supported by technical consolidation and confirmation from volume.
Long-term, SoFi offers a rare blend of high growth and platform scalability—in an era where integrated digital banking is set to disrupt traditional financial institutions. As the company reinvests capital into member acquisition and product breadth, its ability to sustain double-digit earnings and revenue growth appears strong. With recurring revenues, expanding margins, and technology-driven advantages, prudent accumulation over multiple quarters may provide excellent wealth-building potential as the secular digital finance trend takes hold in Asia.
Is it the right time to buy SoFi?
SoFi’s current momentum reflects a best-in-class fintech growth story, underpinned by outstanding recent results, strong revenue and member expansion, and innovative leadership. Its premium valuation is justified by compelling operational execution, strong liquidity, platform diversification, and a highly scalable model with proven appeal across global markets—including Singapore. For investors seeking exposure to the next wave of digital financial services, the fundamentals justify renewed interest and strategic allocation.
With multiple bullish catalysts, resilience to market shifts, and sector-leading growth, SoFi seems to represent an excellent opportunity for those building long-term positions in the evolving fintech sector. The stock may be entering a new bullish phase, supported by innovation, favorable regulation, and inexorable demand for integrated digital finance solutions. As momentum continues, SoFi offers a uniquely compelling investment profile for Singapore investors determined to participate in the future of finance.
How to buy SoFi stock in Singapore?
Buying SoFi stock online is simple, secure, and accessible via any regulated broker in Singapore. Retail investors can choose between two popular approaches: buying SoFi shares outright (spot/cash purchase) or speculating on price movements through Contracts for Difference (CFDs). Each method has its own features and costs. To support your decision, a detailed broker comparison is available further down the page.
Spot buying
A cash purchase of SoFi shares means you directly own the stock, making you eligible for any capital gains. Most brokers charge a fixed commission per order—typically around USD 5 (or SGD equivalent).
Gain scenario
If the SoFi share price is USD 18.57, you can buy about 53 shares with a USD 1,000 investment, including a brokerage fee of about USD 5.
If the share price rises by 10%, your shares are now worth USD 1,100.
Result: +USD 100 gross gain, or +10% on your investment.
Trading via CFD
CFD trading on SoFi allows you to buy or sell based on price movements using leverage, without owning the actual shares. Fees include the bid-ask spread and, if you hold positions overnight, daily financing charges.
CFD Trading Example: Gain Scenario
You open a CFD position on SoFi shares with 5x leverage using a USD 1,000 deposit. This gives you exposure to USD 5,000 worth of SoFi stock.
Gain scenario: If the stock rises by 8%, your position gains 8% × 5 = 40%. Result: +USD 400 gain on your USD 1,000 stake, excluding fees.
Final advice
Before investing, always compare brokers’ fees, platform features, and trading conditions to find the option that best suits your needs. Whether you prefer direct ownership or leveraged CFD trading, the right method depends on your investment objectives and risk appetite. You’ll find a comprehensive broker comparison further down this page to make your choice easier.
Check out the best brokers in Singapore!Compare brokersOur 7 tips for buying SoFi stock
| 📊 Step | 📝 Specific tip for SoFi |
|---|---|
| Analyze the market | Research the US fintech sector and regulatory developments that directly influence SoFi’s business and growth. |
| Choose the right trading platform | Choose a MAS-licensed broker that provides direct access to US markets, competitive fees, and reliable support for SoFi. |
| Define your investment budget | Set a clear investment budget, taking SoFi’s volatility into account, and avoid overexposure to a single US tech stock. |
| Choose a strategy (short or long term) | Consider a long-term strategy to benefit from SoFi’s expansion, but also monitor trends for short-term swing opportunities. |
| Monitor news and financial results | Track SoFi’s quarterly earnings, product launches, and regulatory news, as these often impact share performance significantly. |
| Use risk management tools | Employ stop-loss orders and regular reviews to limit downside and manage risk when trading SoFi shares. |
| Sell at the right time | Look to realise gains at technical highs or before major market events that could impact SoFi’s price direction. |
The latest news about SoFi
SoFi stock achieved a new 52-week high this week following robust earnings and member growth. The share price climbed to $18.64 after the company reported a 34% increase in total members and record loan originations for Q1 2025, pointing to strong momentum in its core digital banking and lending segments.
International remittance capabilities have been expanded, improving access for clients in Asia, including Singapore. SoFi’s recent product rollout allows for more efficient cross-border transfers, supporting global users and potentially boosting transaction volumes from regional investors who engage with US-listed fintechs.
Analyst consensus remains optimistic, with a calculated target price of $24.14 representing further upside. Despite a high trailing P/E, analysts highlight the scalable technology platform and diversified product suite as key reasons for a 'hold' or 'buy' outlook, which may attract Singapore-based growth investors seeking fintech exposure.
SoFi’s technology leadership is reinforced by a focus on member-centric digital services and alternative asset offerings. The company’s expansion into cryptocurrency investing, robo-advisory, and comprehensive financial services strengthens its competitive position, appealing to tech-savvy investors in digital-first markets like Singapore.
Technical indicators signal sustained market demand, with the stock trading above major moving averages. Current RSI readings and MACD values confirm positive momentum, suggesting continued investor interest and reflecting the stock’s growing relevance in global retail investment portfolios, including those held in Singapore.
FAQ
What is the latest dividend for SoFi stock?
SoFi currently does not pay a dividend. The company has never declared a dividend and instead reinvests profits into growth and product innovation. This approach is common for high-growth fintech players seeking to expand market share and strengthen their technology platform.
What is the forecast for SoFi stock in 2025, 2026, and 2027?
The projected value for SoFi stock is $24.14 by end 2025, $27.86 by end 2026, and $37.14 by end 2027. These forecasts are underpinned by SoFi’s continued loan growth, member expansion, and successful launches in new financial product verticals, solidifying its momentum in the fintech sector.
Should I sell my SoFi shares?
Holding onto SoFi shares may be appropriate given the company’s robust user and revenue growth, as well as its resilient position as an innovative fintech leader. SoFi’s strategy of technological diversification and broadening financial services provides mid- to long-term growth potential. Strong recent performance and positive analyst sentiment further support its investment case.
Are there specific tax considerations for SoFi stock if I invest from Singapore?
Singapore does not tax capital gains from the sale of SoFi stock, and no dividends are currently paid by SoFi. US withholding tax would apply if dividends were introduced. Always consider SG’s simple, favorable tax framework for international equities in your investment planning.
What is the latest dividend for SoFi stock?
SoFi currently does not pay a dividend. The company has never declared a dividend and instead reinvests profits into growth and product innovation. This approach is common for high-growth fintech players seeking to expand market share and strengthen their technology platform.
What is the forecast for SoFi stock in 2025, 2026, and 2027?
The projected value for SoFi stock is $24.14 by end 2025, $27.86 by end 2026, and $37.14 by end 2027. These forecasts are underpinned by SoFi’s continued loan growth, member expansion, and successful launches in new financial product verticals, solidifying its momentum in the fintech sector.
Should I sell my SoFi shares?
Holding onto SoFi shares may be appropriate given the company’s robust user and revenue growth, as well as its resilient position as an innovative fintech leader. SoFi’s strategy of technological diversification and broadening financial services provides mid- to long-term growth potential. Strong recent performance and positive analyst sentiment further support its investment case.
Are there specific tax considerations for SoFi stock if I invest from Singapore?
Singapore does not tax capital gains from the sale of SoFi stock, and no dividends are currently paid by SoFi. US withholding tax would apply if dividends were introduced. Always consider SG’s simple, favorable tax framework for international equities in your investment planning.
On the same topic
