SoFi Technologies, Inc.

The NASDAQ 100 Pre-Market Indicator is up 53.64 to 25,875.19. The total Pre-Market volume is currently 181,298,497 shares traded.
The following are the most active stocks for the pre-market session:
SoFi Technologies, Inc. (SOFI) is +1.2302 at $31.23, with 12,886,791 shares traded. Smarter Analyst Reports: SoFi Concludes Acquisition of Technisys
Direxion Daily TSLA Bull 2X Shares (TSLL) is +0.39 at $21.64, with 9,647,229 shares traded. This represents a 244.04% increase from its 52 Week Low.
PayPal Holdings, Inc. (PYPL) is +10.3999 at $80.65, with 7,959,798 shares traded. Smarter Analyst Reports: Post 65% Decline, What’s Ahead for PayPal Stock?
ProShares UltraPro Short QQQ (SQQQ) is -0.08 at $13.14, with 4,225,927 shares traded., following a 52-week high recorded in prior regular session.
NVIDIA Corporation (NVDA) is +1.51 at $193.00, with 3,640,594 shares traded. As reported by Zacks, the current mean recommendation for NVDA is in the "buy range".
Bitfarms Ltd. (BITF) is -0.11 at $4.43, with 2,210,212 shares traded. As reported by Zacks, the current mean recommendation for BITF is in the "buy range".
United Parcel Service, Inc. (UPS) is +11.0228 at $100.24, with 2,130,651 shares traded. UPS's current last sale is 100.24% of the target price of $100.
UnitedHealth Group Incorporated (UNH) is +17.395 at $383.38, with 1,426,129 shares traded. Over the last four weeks they have had 3 up revisions for the earnings forecast, for the fiscal quarter ending Dec 2025. The consensus EPS forecast is $2.07. As reported by Zacks, the current mean recommendation for UNH is in the "buy range".
AT&T Inc. (T) is -0.0399 at $25.49, with 1,184,165 shares traded. As reported by Zacks, the current mean recommendation for T is in the "buy range".
Cameco Corporation (CCJ) is +13.68 at $100.30, with 1,084,287 shares traded. As reported by Zacks, the current mean recommendation for CCJ is in the "buy range".
Norwegian Cruise Line Holdings Ltd. (NCLH) is -0.81 at $22.70, with 908,061 shares traded.NCLH is scheduled to provide an earnings report on 11/4/2025, for the fiscal quarter ending Sep2025. The consensus earnings per share forecast is 1.11 per share, which represents a 97 percent increase over the EPS one Year Ago
NuScale Power Corporation (SMR) is +1.0495 at $39.76, with 844,905 shares traded. SMR's current last sale is 104.63% of the target price of $38.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Pre-Market Most Active for Oct 28, 2025 : SOFI, TSLL, PYPL, SQQQ, NVDA, BITF, UPS, UNH, T, CCJ, NCLH, SMR

Key Points
Robinhood's retail investors are rushing back as the market sets fresh record highs.
SoFi's growth is stabilizing as it overcomes its biggest near-term challenges.
Investors should stick with the cheaper stock with the stronger growth rates.
Robinhood Markets (NASDAQ: HOOD) and SoFi Technologies (NASDAQ: SOFI) both want to disrupt traditional financial institutions with their fintech platforms. Robinhood simplified investing with its streamlined app and commission-free trades. SoFi, which initially only offered student loans, has evolved into a one-stop online shop for various financial services.
Over the past 12 months, Robinhood's stock has surged more than 400% as SoFi's stock rallied nearly 170%. Let's see why these stocks soared -- and which one is a better buy.
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Robinhood's speculative investors are returning
Robinhood mainly serves smaller retail investors than larger brokerages. To subsidize its free trades, it sells its clients' trades to high-frequency trading (HFT) firms, which bundle together those tiny orders into bigger batches to generate slim profits from every rapid-fire trade.
Robinhood gained a lot of new investors during the buying frenzy in meme stocks, growth stocks, and cryptocurrencies in 2020 and 2021. A lot of that growth was fueled by low interest rates, stimulus checks, social media buzz, and a contagious "fear of missing out" (FOMO).
As interest rates rose in 2022 and 2023, many investors rotated toward more conservative and higher-yielding investments. That rotation chilled Robinhood's growth as its core investors placed fewer trades and transferred less money to its platform. But as interest rates declined in 2024 and 2025, those investors returned and its revenue surged. Its number of funded accounts reached 27.4 million at the end of the second quarter of 2025, which was more than double its 12.5 million accounts at the end of 2020.
From 2020 to 2024, its annual revenue more than tripled from $959 million to $2.95 billion. Its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) stayed positive in 2023 and more than doubled in 2024, and it turned profitable on a generally accepted accounting principles (GAAP) basis in 2024. That rapid expansion can be attributed to its physical Cash Card, its new digital payment features, and its perk-filled Gold subscription plans -- which grew 76% year over year to 3.5 million subscribers in the second quarter of 2025.
From 2024 to 2027, analysts expect Robinhood's revenue and adjusted EBITDA to grow at a compound annual growth rate (CAGR) of 24% and 34%, respectively, as it continues to disrupt traditional brokerages and expand its ecosystem to challenge other fintech companies. But with an enterprise value of $122.5 billion, it isn't cheap at 40 times next year's adjusted EBITDA.
SoFi's strongest headwinds are dissipating
SoFi provides a wide range of loans, insurance policies, estate planning services, credit cards, and stock trading tools. It officially became an online bank upon receiving a U.S. bank charter in 2022, while its fintech subsidiary, Galileo, provides its own payment and card issuing services.
SoFi grew rapidly because it attracted younger and digitally native users who didn't want to deal with brick-and-mortar banks and wanted to shop for all of their financial services within a single platform. From the end of 2020 to the second quarter of 2025, its number of unique members surged from 1.9 million to 11.7 million as its number of products soared from 2.5 million to 17.1 million. Galileo, which operates independently of SoFi, serves nearly 160 million accounts.
From 2020 to 2024, SoFi's revenue grew at a CAGR of 47%. Its adjusted EBITDA turned positive in 2021 and rose at a CAGR of 181% over the following three years. It also turned profitable on a GAAP basis in 2024. It achieved that growth even as it grappled with the temporary freeze on student loan payments (from 2020 to 2023) and higher interest rates, which curbed the market's appetite for new loans. Its transformation into a full digital bank also temporarily drove up its expenses and reduced its margins.
From 2024 to 2027, analysts expect SoFi's revenue and adjusted EBITDA to grow at a CAGR of 25% and 40%, respectively. Its business is gradually maturing, but its two biggest headwinds are dissipating -- student loan payments have resumed and interest rates are declining. It's also been rolling out more features for its "super app" of financial services as it uses its recent acquisition of Technisys (a cloud-based core banking platform) to support Galileo's growth. With an enterprise value of $33.9 billion, its stock still looks reasonably valued at 22 times next year's adjusted EBITDA.
The better buy: SoFi
Robinhood and SoFi could both grow much larger over the next few years. But if I had to choose one over the other in this frothy market, I'd pick SoFi because it's better diversified, it's growing slightly faster, and its stock looks cheaper relative to its growth potential. Robinhood is still a solid investment, but the next market downturn could crush its valuations while driving away many of its core investors. When that happens, Robinhood might become a more appealing stock than SoFi.
Should you invest $1,000 in Robinhood Markets right now?
Before you buy stock in Robinhood Markets, consider this:
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Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $590,357!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,141,748!*
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Leo Sun has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Better Fintech Stock: Robinhood vs. SoFi

SoFi Technologies, Inc. SOFI is scheduled to report its third-quarter 2025 results on Oct. 28, before the opening bell.
The company has had an impressive earnings surprise history. Earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, with a 45.8% surprise on average.
SoFi Technologies, Inc. Price and EPS Surprise
Expectations This Time Around
The Zacks Consensus Estimate for SoFi’s revenues in the to-be-reported quarter is pegged at $890.8 million, indicating a 29.2% year-over-year increase. Growth in members and strong product innovation are likely to have contributed to the positive impact on the company's top line.
The consensus estimate for the bottom line in the to-be-reported quarter stands at 9 cents per share, indicating 80% year-over-year growth. We expect SoFi’s improved operational efficiency to have driven this expected growth in the quarter.
What Our Model Says
Our proven model predicts an earnings beat for SOFI this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks to buy or sell before they're reported with our Earnings ESP Filter.
SOFI has an Earnings ESP of +5.44% and a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.
Other Stocks to Consider
Here are a few stocks from the broader Business Services sector, which, according to our model, have the right combination of elements to beat on earnings this time around.
Rollins ROL: The Zacks Consensus Estimate for third-quarter 2025 revenues is pegged at $1 billion, indicating an 11.5% increase from the year-ago quarter’s actual. For earnings, the consensus mark is pegged at 32 cents per share, suggesting 10.3% growth from the year-ago quarter’s reported number. ROL surpassed the consensus estimate in one of the past four quarters, met twice and missed once, with an average beat of 0.03%.
Rollins has an Earnings ESP of +4.94% and a Zacks Rank of 3 at present. It is scheduled to declare its third-quarter 2025 results on Oct. 29.
The company is scheduled to declare its fourth-quarter fiscal 2025 results on April 24.
FirstCash FCFS: The Zacks Consensus Estimate for the company’s third-quarter 2025 revenues is pegged at $839.6 million, suggesting a marginal year-over-year rise. For earnings, the consensus estimate is pegged at $1.91 per share, indicating a 14.4% increase from the year-ago quarter’s actual. The company beat the consensus estimate in the trailing four quarters, with an average surprise of 9.2%.
FCFS has an Earnings ESP of +3.67% and a Zacks Rank of 2 at present. The company is scheduled to declare third-quarter 2025 results on Oct. 30.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

SOFI Technologies to Report Q3 Earnings: Here's What to Expect

Key Points
SoFi Technologies aims to be a one-stop shop for all things financial.
The company is growing by leaps and bounds.
Its stock price has been growing, too, so tread carefully.
Just about the only way that SoFi Technologies (NASDAQ: SOFI) is boring is because it's a financial services company. Banking...mortgages...student loans...yawn. But hold on -- note that it has the word "technologies" in its name. That's because in its own way, it's a tech stock, and one that could outperform the tech-stock world, in general.
SoFi Technologies is a fintech company -- involved in both finance and technology. It's a bank that's working on becoming a one-stop shop for consumers, helping them save, spend, and invest via an app that also gives them access to financial planners and more.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »
The stock has been on a tear recently, averaging annual gains of 77% over the past three years, up 176% over the past year, and up 87% year to date (as of Oct. 22). Wow. SoFi Technologies has already crushed lots of tech stocks, performance-wise, in recent years. Consider that over the past year, it's even ahead of semiconductor superstar Nvidia, which is up 26% -- perhaps catching its breath.
In its second quarter, SoFi Technologies posted revenue up 43% year over year and net income up 459%. Better still, the company said a "record 850,000 new members joined SoFi in the quarter, up 34% from the prior year to 11.7 million."
The company can't keep posting triple-digit growth rates forever, but it can keep growing at a rapid clip for a while, likely long enough to keep trouncing the growth rates of many tech companies.
Think twice before jumping in, though, because shares aren't exactly bargain-priced at recent levels, with a recent price-to-sales ratio of 11 far above its five-year average of 4. Investors might want to buy shares gradually, or wait for a better price. In the meantime, you might look at some compelling tech stocks that are more reasonably priced.
Should you invest $1,000 in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $590,357!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,141,748!*
Now, it’s worth noting Stock Advisor’s total average return is 1,033% — a market-crushing outperformance compared to 193% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 27, 2025
Selena Maranjian has positions in Nvidia and SoFi Technologies. The Motley Fool has positions in and recommends Nvidia. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

This "Boring" Financial Stock Could Crush Tech Returns

Key Points
SoFi Technologies is perfectly plugged into a technology-driven cultural shift.
This shift, however, could last for many more years, creating a growth opportunity for the company.
SoFi is a compelling long-term prospect for any investors who can deal with the short-term volatility.
The idea of buying a stock after a 150% run-up in just six months is more than a little intimidating. Making the matter even more uncomfortable is when that big move pushes the stock price well above analysts' average target. It just feels like there's a bit too much risk of an immediate pullback.
And in most cases, maybe there is.
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If the stock you're talking about is SoFi Technologies (NASDAQ: SOFI), however, maybe you take that risk anyway, happily diving in while the rally's taking a breather after pushing the stock to a record high just a month earlier.
Plugged into the new societal norm
On the off-chance you're reading this and aren't at least a little familiar with it, SoFi Technologies is an online bank offering everything from checking to lending to credit cards to investing, and more. It's unique in respect to most of the companies in the industry though, in that it was built from the ground up to only be an online bank no brick-and-mortar branches.
But it works. As of the end of June, the company was serving more than 11.7 million customers, which has increased every single quarter going all the way back to early 2020, when it had only a little more than 1 million customers.
This is just a sign of the changing times. A survey commissioned by the American Bankers Journal and performed by Morning Consult indicates that smartphone apps were the preferred means of handling banking business for 55% of the poll's respondents, followed distantly by laptop/PCs at only 22%. In-branch visits, ATMs, and phone calls barely registered at 8%, 5%, and 4%, respectively.
It also comes as no real surprise that the younger the customer, the more likely they are to bank online. Roughly two-thirds of millennials and Gen Zers regularly opted for a banking app, while 41% of baby boomers preferred a conventional computer over a mobile app to manage their bank accounts. Perhaps a little surprisingly, only 13% of these boomers now say in-person visits to a bank branch are their go-to choice for customer service.
SoFi is simply plugged into this sociocultural shift, having now amassed $41.1 billion in assets for its efforts since officially becoming a bank back in early 2022.
But these metrics alone don't inherently make the stock a buy right now. There's something else that does this, despite the stock's possible overvaluation.
And the tailwind is going to be as long-lived as it is massive
Don't misunderstand. There's arguably more near-term risk here than most investors would normally care to take on. Analysts' average one-year target of $22.75 is 22% below the stock's recent price of $29.33, and there's no denying the mid-year buying has stalled since late September. Investors are obviously at least a little bit hesitant, and for understandable reasons.
But this may be one of those cases where the potential upside of a stock is compelling enough to take the risk at its current price, and simply deal with any volatility that's sure to be a little unnerving at times. Just be sure you're ready to stick with this stock long enough to ride out these swings en route to even-bigger gains.
The key to the opportunity here is the shift away from traditional banking and toward online self-service banking. As much of it as we've seen already, most of this shift has yet to take shape.
Think about it. Although it seems like the internet and even smartphones have been around forever, that's not actually the case. Only people under the age of 40 have never lived life as an adult without relatively easy access to the internet, while only people under the age of 20 have never known a world without smartphones. People over these ages aren't necessarily anti-technology, to be clear, but they're certainly not digital natives like younger consumers.
As all these consumers age, self-service technology will become even more prominent, particularly as today's young consumers pass these norms along to their children. That's why market research outfit Technavio believes the global digital banking market is poised to grow at an average annualize pace of more than 16% through 2029, led by the U.S. market SoFi serves.
In this vein, analysts expect SoFi's annual top-line growth to exceed the rest of the industry's through next year, although odds are good it will outpace this marketwide outlook for well beyond the forecast period.
Just buckle up
So yes, SoFi Technologies stock is a buy while it's less than $30. The recent lull isn't as much of a red flag as it is a chance for the bulls to regroup and reset.
Just brace for some short-term volatility while you're patiently holding onto your long-term position in SoFi. It's that kind of investment.
Should you invest $1,000 in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $600,550!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,116,616!*
Now, it’s worth noting Stock Advisor’s total average return is 1,032% — a market-crushing outperformance compared to 192% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 20, 2025
James Brumley has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Should You Buy SoFi Technologies While It's Below $30?

Below is Validea's guru fundamental report for SOFI TECHNOLOGIES INC (SOFI). Of the 22 guru strategies we follow, SOFI rates highest using our Small-Cap Growth Investor model based on the published strategy of Motley Fool. This strategy looks for small cap growth stocks with solid fundamentals and strong price performance.
SOFI TECHNOLOGIES INC (SOFI) is a large-cap growth stock in the Consumer Financial Services industry. The rating using this strategy is 55% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of SOFI TECHNOLOGIES INC
More Information on Motley Fool
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Guru Fundamental Report for SOFI

In today's video, I will talk about the recent fears around the banking sector, more specifically, regional banks and lenders. Watch the short video to learn more, consider subscribing, and click the special offer link below.
*Stock prices used were from the trading day of Oct. 17, 2025. The video was published on Oct. 17, 2025.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »
Should you invest $1,000 in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $669,449!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,110,486!*
Now, it’s worth noting Stock Advisor’s total average return is 1,076% — a market-crushing outperformance compared to 191% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 20, 2025
JPMorgan Chase is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Neil Rozenbaum has positions in SoFi Technologies. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool has a disclosure policy. Neil is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through his link, he will earn some extra money that supports his channel. His opinions remain his own and are unaffected by The Motley Fool.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Is This the End of the Bull Market or Another Buying Opportunity?

In this video, I will go over my SoFi (NASDAQ: SOFI) third-quarter earnings predictions. Watch the short video to learn more, consider subscribing, and click the special offer link below.
*Stock prices used were from the trading day of Oct. 20, 2025. The video was published on Oct. 20, 2025.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks »
Should you invest $1,000 in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $669,449!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,110,486!*
Now, it’s worth noting Stock Advisor’s total average return is 1,076% — a market-crushing outperformance compared to 191% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 20, 2025
Neil Rozenbaum has positions in PayPal and SoFi Technologies. The Motley Fool has positions in and recommends PayPal. The Motley Fool recommends the following options: long January 2027 $42.50 calls on PayPal and short December 2025 $75 calls on PayPal. The Motley Fool has a disclosure policy. Neil is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through his link, he will earn some extra money that supports his channel. His opinions remain his own and are unaffected by The Motley Fool.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Should You Buy SoFi Technologies Before Oct. 28?

SoFi Technologies, Inc. SOFI is not just deploying another AI feature; it’s transforming its customer engagement model through Konecta, an AI chatbot powered by Galileo.
More than a service enhancement, Konecta represents SoFi’s move toward scalable efficiency and sustained customer retention in a financial sector rapidly shaped by artificial intelligence. The early numbers are telling: a 65% faster average response time, a 7% lift in service performance, and a 50% reduction in chat abandonment. By managing 5% more interactions without escalation, Konecta enables SoFi to scale while freeing human agents for high-value, complex queries, resulting in direct cost efficiency and stronger brand loyalty.
Meanwhile, Wells Fargo WFC continues to reinforce how AI can redefine service delivery. Its AI assistant, Fargo, has processed over 245 million interactions, showcasing the scalability and security demanded by modern banking. WFC’s success with Fargo emphasizes the need to blend innovation with data privacy, a lesson SOFI must heed as it expands Konecta. Wells Fargo has proven that trust and technology can coexist; a framework that SoFi can emulate to cement its position among fintech leaders.
Also, Bank of America BAC offers a clear benchmark through its widely successful digital assistant, Erica. BAC has integrated Erica as a growth enabler, not just a service tool, helping drive cross-selling, user engagement and customer trust. The success of Erica highlights how well-executed chatbots can evolve into profit levers. SOFI seems to be charting a similar course, using Konecta as both an operational and strategic catalyst. Just as Erica strengthened Bank of America’s digital ecosystem, Konecta could become central to SoFi’s ecosystem-wide efficiency and customer satisfaction.
Ultimately, SoFi’s AI push through Konecta puts it squarely in the same digital league as Bank of America and Wells Fargo. With proven performance gains and growing operational leverage, Konecta isn’t just helping SoFi catch up; it’s setting the company apart in the banking chatbot race. For investors, the message is clear: SoFi’s integration of Konecta is a step toward higher efficiency, deeper engagement and a durable competitive moat in the evolving AI-driven financial landscape.
SOFI’s Price Performance, Valuation and Estimates
The stock has gained 87% year to date compared with the industry’s 3% rise.
Image Source: Zacks Investment Research
From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 56X, well above the industry’s 24X. It carries a Value Score of F.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for SOFI’s 2025 earnings has been on the rise over the past 60 days.
Image Source: Zacks Investment Research
SOFI stock currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Beyond Nvidia: AI's Second Wave Is Here
The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. Little-known AI firms tackling the world's biggest problems may be more lucrative in the coming months and years.
See "2nd Wave" AI stocks now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

SOFI's Konecta's AI Advantage is a Leap in Fintech Efficiency

Below is Validea's guru fundamental report for SOFI TECHNOLOGIES INC (SOFI). Of the 22 guru strategies we follow, SOFI rates highest using our Small-Cap Growth Investor model based on the published strategy of Motley Fool. This strategy looks for small cap growth stocks with solid fundamentals and strong price performance.
SOFI TECHNOLOGIES INC (SOFI) is a large-cap growth stock in the Consumer Financial Services industry. The rating using this strategy is 61% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of SOFI TECHNOLOGIES INC
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Indicator	TTM Median
P/E	108.42 13.37
Price/Sales	3.72 1.92
P/B	2.30 1.10
P/FCF	0.00 10.25

Indicator	TTM Median
ROE	3.19 10.06
ROA	0.57 1.13
Net Worth	15.26 0.99
Quick Ratio	0.00 1.40
Current Ratio	0.49 0.96

Indicator	TTM Median
Net Profit Margin	5.07 15.86
Operating Margin	6.17 21.72
Gross Margin	70.43 68.17
Return on tangible equity	4.86 12.03

Indicator	TTM Median
EPS	0.05 0.60
EPS Forecast	0.04 0.61
Revenue	989.00M 85.50M
Gross Profit	697.00M —
EBITDA	0.00 —

SoFi Technologies, Inc.

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

Debts

Efficiency

Other ratios

Revenue