Top Investor Predicts Promising Future for SoFi Stock
SoFi Technologies, listed on NASDAQ as SOFI, has shown remarkable performance in its Q3 2025 earnings report. The company reported a year-over-year revenue increase of 38%, achieving a new record of $950 million. It also highlighted an impressive Adjusted EBITDA of $277 million, which marks an all-time high for the firm.
Growth and Membership Expansion
Once primarily focused on student loan refinancing, SoFi has evolved significantly. The company now boasts approximately 12.6 million members and offers over 18.5 million products. This growth transition indicates a broadening scope of services.
Record Loan Originations
Q3 2025 also saw SoFi set a new record for loan originations, reaching $9.9 billion. Notably, the firm has successfully reduced its Personal Loan net charge-offs by 23 basis points, further showcasing its financial stability and growth potential.
Investor Perspectives
Stone Fox Capital, a well-regarded investor recognized for accurate predictions, remains optimistic about SoFi’s future. This top investor forecasts that SoFi could rank among the top ten financial institutions in the U.S. within the coming years.
Revenue Structure Shift
One key aspect of SoFi’s growth is its transition to a fee-based revenue model. Currently, 43% of the company’s revenues are derived from these fee-based services, reflecting a substantial 50% increase year-over-year. Stone Fox predicts that SoFi’s revenues could reach $5.2 billion by 2027, showing confidence in the company’s long-term viability.
Stock Performance and Forecast
In terms of stock performance, SOFI shares have surged over 130% in the past six months. However, cautions remain about potential price fluctuations as the market adjusts to this rapid growth. Stone Fox advises investors to consider any dips in the stock price as opportunities to buy, emphasizing the ongoing growth phase SoFi is in.
Wall Street Consensus
- Current consensus rating on SOFI: Hold
- Breakdown of ratings: 5 Buys, 7 Holds, 4 Sells
- 12-month average price target: $26.46, implying a potential downside of around 11%
Overall, while optimism around SoFi remains, investors are encouraged to conduct their own analyses and stay informed on the ongoing developments in the financial technology sector.
