Should I buy SoFi stock in 2025?

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At HelloSafe, our expert has been monitoring SoFi’s performance for over three years. Every month, tens of thousands of users in Singapore rely on us to interpret market trends and highlight the best investment opportunities. Our analyses are provided strictly for informational purposes and do not constitute investment advice. In line with our ethical charter, we have never received, and will never receive, any compensation from SoFi.

What is SoFi?

How much is SoFi stock?

The price of SoFi stock is rising this week. As of now, SoFi shares are trading at $13.26, up 1.92% over the past 24 hours and showing an 88.09% gain for the week. The company boasts a market capitalization of $13.59 billion, with an average 3-month trading volume of 41.2 million shares. SoFi currently has a P/E ratio of 41.49, while its dividend yield remains at 0.00%. The stock’s beta stands at 1.76, indicating higher volatility compared to the overall market. For Singapore-based investors, this performance highlights both SoFi’s rapid growth potential and the dynamic nature of its share price.

Our full analysis on SoFi stock

Our proprietary review of SoFi Technologies’ (NASDAQ: SOFI) most recent financial disclosures, combined with a rigorous comparative analysis of key financial ratios, technical signals, and sector benchmarks, underscores the compelling evolution of this digital-first financial platform. By synthesising current market data, peer positioning, and forward-looking indicators through advanced modelling, we find several converging catalysts that call for renewed investor attention. So, why might SoFi stock once again emerge as a strategic entry point in fintech for 2025?

Recent Performance and Market Context

Robust Price Appreciation and Momentum

SoFi has delivered an exceptional stock performance over the past twelve months, appreciating by 88.09% and handily outperforming both the broader fintech and US bank indices. As of 9 May 2025, SoFi shares traded at $13.26, representing a 1.92% uptick on the day and cementing its standing as one of the best-performing digital finance stocks of the past year. This momentum comes after a period of healthy consolidation and volatility, which saw SOFI weather broader market swings and demonstrate notable resilience relative to many of its fintech peers.

Recent Positive Developments

• Q1 2025 Earnings Beat: SoFi posted record net revenue of $771 million (33% YOY growth), net income of $71 million, and robust member/product growth that exceeded expectations.
• Banking and Deposit Growth: SoFi’s total deposits surged to $27.3 billion—over 90% sourced from direct deposit members—reflecting increased consumer trust and usage.
• Loan Platform Acceleration: The Loan Platform Business secured pivotal $8.2 billion in third-party loan agreements, unlocking new, fee-based revenue streams.
• Product and Brand Innovations: New offerings in home equity, SoFi Plus subscription, and high-profile sports sponsorships (e.g., TGL, SoFi Stadium) are boosting engagement and brand recognition.

Favorable Sector and Macroeconomic Backdrop

Across the US and Asian markets, the secular trend remains firmly tilted towards digital banking adoption, with consumers—especially Gen Y and Z—favouring seamless, all-in-one platforms. Interest rate stabilisation and a more benign macroeconomic environment are stimulating loan demand and deposit growth, directly benefiting profit and scale-focused fintech models like SoFi’s. Importantly, Singapore’s retail investor community continues to increase allocations to global fintech leaders, seeking exposure to the digital transformation of financial services.

Technical Analysis

Positive Technical Foundation

• Trading Above Key Averages: The stock trades above the 20-day ($12.34), 50-day ($12.49), and 200-day ($11.86) EMAs, which are classic technical buy signals.
• RSI and Momentum: The Relative Strength Index stands at a healthy 59.97—well away from “overbought” territory—suggesting additional upside room.
• MACD Signal: While the MACD at 0.33 hints at some short-term consolidation, it supports a stable bullish to neutral posture.
• Strong Support Levels: Major support lies at $12.95, offering a near-term technical floor, with resistance at $13.34 and $13.67. Any decisive breakout above these levels can invoke renewed buying interest.

Structural Bullishness

Overall, the technical sentiment derived from the consensus of major indicators is "Strong Buy." Volume patterns, combined with the current price structure, suggest that SoFi is in the early stages of a new bullish phase and appears ideally positioned for medium- to long-term entry strategies.

Fundamental Analysis

Sector-Leading Revenue Growth and Profitability

• Record Financials: Q1 2025 saw adjusted net revenue soar 33% YOY (to $771 million), net income achieve $71 million, and adjusted EBITDA hit $210 million—demonstrating a margin expansion trajectory.
• Accelerating Product Adoption: Member count reached a record 10.9 million (34% YOY growth), with products up to 15.9 million.
• Diverse Revenue Model: Financial Services net revenue more than doubled year-on-year. Technology platform revenues (Galileo, Technisys) continue to scale, with 158 million enabled accounts globally.

Attractive Valuation for Growth

• Valuation: SoFi trades at a forward P/E of just 41.5—remarkable for a high-growth fintech that is already profitable and posting sector-beating growth.
• Tangible Book Value: Stands at $5.1 billion ($4.58/share), representing improving balance sheet strength and downside protection for investors.
• Funding Advantage: The full US banking charter means cheaper funding (saving $515M/year vs. warehouse facilities), direct oversight, and better regulatory positioning relative to many “neobank” competitors.

Structural Strengths

• Innovation Pipeline: New product launches in home equity, subscription banking, and crypto investing demonstrate a culture of rapid iteration and customer focus.
• Cross-Selling Flywheel: With 32% of new products opened by existing members, SoFi is reaping powerful network effects—a feature sorely lacking in most legacy banks.
• Brand Equity: Strategic sponsorships (SoFi Stadium, major US sports partnerships) reinforce national recognition and consumer trust.

Volume and Liquidity

Deep, Dynamic Market

• Robust Trading Volume: Average daily trading volumes remain strong (>30 million shares), signaling high market confidence and solid liquidity.
• Favorable Float Structure: The public float is conducive to dynamic valuation, providing both ample liquidity and potential for responsive appreciation on positive news.

This environment not only supports technical breakouts but also attracts institutional and retail flows—important for Singapore-based investors seeking exposure to US-listed, high-volume, high-momentum names.

Catalysts and Positive Outlook

Multiple Catalysts Driving the Upside

• Product Innovation: Expected launches in crypto investing and consumer credit will accelerate growth and diversify revenues.
• LPB Expansion: Blue Owl Capital/Fortress agreements pave the way for scalable, capital-light fee income.
• Operational Leverage: Margin expansion as fixed investment in tech and marketing begins to deliver scale advantages.
• Favourable Regulatory Trends: Increased acceptance of digital banking and positive regulatory posture in both US and select Asian markets.
• ESG Initiatives: Sustainability and diversity programs bolster its profile among institutional investors and ESG-focused portfolios.

SoFi thus presents a rare combination: proven execution in legacy business, aggressive innovation, and a steady pipeline of new growth avenues.

Investment Strategies

Multi-Horizon Opportunity

• Short-term: Strong technical base, robust volume, and recent earnings beat provide a springboard for positive momentum trading.
• Medium-term: Catalysts (product expansion, LPB ramp, regulatory tailwinds) and support above key moving averages offer a disciplined entry point for swing and trend investors.
• Long-term: SoFi’s diversified model, network effects, expanding balance sheet, and sustainable profitability justify serious consideration for core holdings—particularly for Singaporean investors seeking exposure to US fintech with high digital penetration and continued growth runway.

In summary:

• SoFi sits at a technical low following sector volatility yet with clear signals of a new bullish phase.
• The company is ahead of key product and strategic catalysts (home equity, crypto, broader loan platforms).
• Its valuation, while not cheap, is well-supported by tangible book value growth and sector-leading fundamentals.

Is It the Right Time to Buy SoFi?

SoFi Technologies is now displaying a rare confluence of technical and fundamental strengths:

• Sustained, sector-beating growth,
• Expanding profitability,
• Deepening customer engagement,
• Powerful network effects,
• And a robust balance sheet underpinned by a full national banking charter.

The stock appears to be transitioning from recovery to renewed expansion, buoyed by top-tier management execution and a clear pipeline of organic growth drivers. The fundamentals solidly justify renewed interest, while the constructive technical setup may appeal to both tactical and strategic investors looking to harness the ongoing digital banking revolution.

Given these robust data points and the company’s demonstrated ability to deliver amidst challenging sector dynamics, SoFi seems to represent an excellent opportunity at current levels. Investors considering exposure to global fintech innovation may find that SoFi is entering an exciting new phase—one that could reward forward-looking participants who position themselves ahead of the next wave of sector growth.

In the evolving world of digital finance, SoFi stands out as a name that warrants close and serious consideration for portfolio inclusion.

How to buy SoFi stock in Singapore?

Buying SoFi Technologies (NASDAQ: SOFI) stock online is a straightforward and secure process for investors in Singapore. Reputable regulated brokers make it easy to access US-listed shares such as SoFi from the comfort of your home, with full investor protections and transparent fees. There are two main ways to buy SoFi stock: by purchasing shares outright (“spot buying”), or trading Contracts for Difference (CFDs) that track the share’s price. Each method has its own advantages and risk profile. See the broker comparison further down this page for the best platforms to access SoFi stock from Singapore.

Spot buying

A cash or spot purchase means you buy SoFi shares directly on the stock market and become a shareholder in the company. It’s the most straightforward method: you own the shares and can benefit from price appreciation and, if applicable, dividends. Singaporean brokers typically charge a fixed commission per trade, often in the range of SGD 5–10 for US shares.

Concrete example

Suppose SoFi is trading at USD 13.26 (approximately SGD 18.00) per share. With a budget of SGD 1,350 (about USD 1,000), you can purchase roughly 74 shares of SoFi, factoring in a broker’s commission of SGD 7.
✔️ Gain scenario:
If the price of SoFi rises by 10% to SGD 19.80, your shares would be worth SGD 1,480 in total.
Result: That’s a +SGD 135 gain, or +10% on your invested capital (excluding small currency conversion costs).

Trading via CFD

CFDs (Contracts for Difference) allow you to speculate on SoFi’s share price without owning the actual shares. CFDs are popular for short-term traders, and support leverage—meaning you can open a larger position with less upfront capital. With CFDs, fees include the spread (the small difference between buy/sell prices) and daily overnight financing charges if you hold your position for more than a day.

Example

You deposit SGD 1,350 to open a CFD position on SoFi shares with 5x leverage. This gives you exposure worth SGD 6,750.
✔️ Gain scenario:
If SoFi’s price rises by 8%, your position gains 8% × 5 = 40%. That’s a profit of SGD 540 on your initial SGD 1,350 investment (excluding fees and currency conversion costs).

Final advice

Before investing, it’s essential to compare brokers' fees, market access, trading tools, and account conditions. Fees and spreads can vary, impacting your net returns. The best approach depends on your objectives: spot buying suits those who want to build long-term wealth and hold shares directly, while CFD trading is more suitable for active traders looking to take short-term positions with leverage. For more details on broker options available in Singapore, see our comprehensive comparator further down the page. Invest wisely!

Our 7 tips for buying SoFi stock

The latest news about SoFi

SoFi reports record-breaking Q1 2025 financial results, strengthening its global fintech position. In the latest quarter, SoFi Technologies delivered adjusted net revenue of $771 million, representing 33% year-over-year growth and surpassing analyst expectations. Net income reached $71 million, while adjusted EBITDA climbed to $210 million with a strong margin of 27%. The company added 800,000 new members for a total of 10.9 million, indicating robust user base expansion that signals continued momentum for the stock, particularly as SoFi further diversifies beyond lending into financial services and technology. This strong operational and financial performance has contributed to an 88% share price gain over the past year, situating SoFi as one of the most dynamic fintech plays listed on U.S. markets, which is increasingly relevant for Singaporean investors seeking exposure to global digital finance leaders.

SoFi’s technology platform business shows steady growth, supporting potential international partnerships in Asia. The technology platform segment, anchored by Galileo and Technisys, reported $103 million in net revenue for Q1, an increase of 10% year-over-year, and contributed $31 million in profit at a 30% margin. While total enabled accounts rose to 158.4 million, a 5% improvement, SoFi's ongoing investments into API-based banking and cloud-native platforms reinforce its capability to serve global fintech partners. Given Singapore’s ambition to remain a hub for financial innovation and digital banking, SoFi’s platform technology offers collaboration opportunities for local neobanks, fintech startups, and even established institutions seeking to expand or upgrade digital infrastructure, making SoFi particularly relevant in the Singaporean context.

SoFi’s financial strength is underpinned by robust capital positions and accelerating deposit growth. At the end of Q1 2025, SoFi’s banking unit reached $27.3 billion in deposits, with more than 90% sourced through direct deposit customers, enabling a stable funding base and lowering overall funding costs by over $500 million per year. Its tangible book value per share rose to $4.58 from $3.90 a year earlier, and the company’s CET1 (Common Equity Tier 1) ratio stands at an impressive 15.3%, far above regulatory requirements. For Singaporean investors and financial analysts, these capital metrics reflect a level of banking discipline and stability aligned with local preferences for well-regulated, capital-adequate institutions, enhancing SoFi's appeal as an investment option.

Technical analysis points to a broadly bullish momentum for SoFi shares, supported by strong fundamentals. Trading at $13.26 as of May 9, 2025, SoFi’s stock price sits above all major moving averages, and the technical consensus rates it a “Strong Buy.” The current RSI (14) of 59.97 suggests neither overbought nor oversold conditions, and moving averages (20, 50, 200-day) provide further confirmation of upward price trends. While the MACD recently hinted at a short-term sell signal, the prevailing trend remains positive. This constructive technical setup appeals to Singaporean market participants seeking high-growth, momentum-driven opportunities on international bourses, with SoFi's liquidity and volume making it accessible for institutions and sophisticated retail investors in the region.

SoFi’s innovation pipeline and partnership strategy present prospective avenues for regional expansion in Southeast Asia. The momentum in SoFi's Loan Platform Business, demonstrated by $1.6 billion in loans originated on behalf of third parties in Q1 and strategic partnerships such as those with Blue Owl Capital and Fortress, underscores its proficiency in scaling new business models. In addition, SoFi’s history of product innovation—ranging from enhanced SoFi Money features to the reintroduction of crypto offerings—aligns with Southeast Asia’s appetite for new digital finance products. As Singapore remains a regional launchpad for fintech ventures due to its regulatory clarity and market sophistication, SoFi’s integrated tech and product suite make it a potential candidate for either direct market entry or as a back-end partner for local players, driving long-term interest in the stock among Singapore-based analysts and investors.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.