Should You Buy SoFi Technologies While It's Below $25?

Core Viewpoint - SoFi Technologies has shown significant growth despite recent share price declines, with a notable increase in revenue and customer base, raising questions about its valuation and investment potential [1][3][5]. Financial Performance - In 2025, SoFi reported a 38% year-over-year adjusted revenue growth, reaching $3.6 billion, and achieved its first $1 billion quarter in Q4 [3]. - The adjusted net income for Q4 2025 was $173.5 million, reflecting a 184% increase compared to the previous year [5]. - The company anticipates a 30% revenue growth in 2026, with diluted earnings per share (EPS) expected to rise by 54% [5]. Customer Growth and Product Offering - SoFi's customer base has expanded to 13.7 million, with 1 million new customers added in the last three months [3]. - The company has successfully implemented cross-selling strategies, with 40% of new products opened by existing customers [4]. Market Position and Valuation - SoFi shares currently trade at a forward price-to-earnings ratio of 41.3, which may deter some investors due to perceived high valuations [6]. - Despite the elevated market expectations, analysts remain optimistic about SoFi's earnings trajectory, with forecasts indicating continued growth [7].