SoFi Crypto Just Launched. Should You Buy, Hold, or Sell SOFI Stock Now?

Core Insights - SoFi Technologies has established itself as a leading player in the fintech industry, offering a comprehensive financial platform that includes lending, financial services, and a technology platform for other businesses [2][4] - The company has recently re-entered the cryptocurrency market, allowing members to trade digital assets, which aligns with the growing interest in digital finance [3][4] - SoFi's stock has seen significant growth in 2025, outperforming the broader market, driven by strong financial performance and member growth [6][10] Financial Performance - In Q3 2025, SoFi reported net revenue of $962 million, a 38% year-over-year increase, surpassing analyst expectations [7][10] - Fee-based revenue surged 50% year-over-year to a record $409 million, driven by strong performance in the Loan Platform Business and other revenue streams [8] - The company achieved an adjusted EPS of $0.11, reflecting a 120% year-over-year increase, and raised its full-year 2025 guidance for adjusted net revenue to approximately $3.54 billion [10] Membership and Product Growth - SoFi added 905,000 net new members in Q3 2025, the highest quarterly increase ever, bringing total membership to 12.6 million, a 35% year-over-year growth [9] - Product adoption increased by 36% annually, reaching a record 18.6 million products, indicating strong cross-selling opportunities [9] Market Position and Analyst Sentiment - Despite strong performance, analysts maintain a cautious outlook on SoFi stock, with a consensus "Hold" rating among 24 analysts [11] - The stock has surpassed the average analyst price target of $27.16, with the highest target at $38, suggesting potential upside despite mixed sentiment [11]