Is It Too Late to Buy SoFi Technologies Stock?

Core Insights - SoFi Technologies' shares have increased by 141% over the past two years, although they are currently trading 39% below their peak from November 2025 [1] - The company is experiencing significant growth, with adjusted net revenue rising by 37% in Q4 and its customer base expanding from 10.1 million to 13.7 million in the past year [2] - Despite the stock's gains, there is caution among investors due to a high forward price-to-earnings ratio of 32.7, indicating potential overvaluation concerns [3] Financial Performance - Adjusted net income for SoFi climbed by 112% in 2025 and is expected to rise by 72% this year [4] - The leadership team forecasts annualized adjusted earnings-per-share growth of 38% to 42% between 2025 and 2028, showcasing a strong growth trajectory [4] Investment Considerations - The Motley Fool Stock Advisor analyst team has identified 10 other stocks as the best investment opportunities currently, excluding SoFi Technologies from this list [5] - Historical performance of stocks recommended by Stock Advisor shows significant returns, with an average return of 884% compared to 193% for the S&P 500 [6][7]