SoFi Technologies (SOFI) delivered a stellar Q3 earnings report. The fintech firm beat Wall Street estimates across the board and raised its full-year guidance. This led several Top analysts to share a bullish stance on SOFI stock.
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SOFI’s Q3 Highlights
The company reported Q3 revenue of $950 million, up 38% year-over-year and beating analyst estimates of $889 million. Also, adjusted EPS of $0.11 surpassed the Street’s forecast of $0.08. Additionally, SoFi’s fee-based revenue hit a record $408.7 million in Q3 2025, up 50% from last year. The growth was fueled by strong results in its Loan Platform business.
Looking ahead, SoFi expects $3.54 billion in revenue for 2025, up from $3.38 billion earlier. The company also boosted its adjusted EPS guidance to $0.37, compared to its prior estimate of $0.31.
Jefferies Analyst Raises Price Target on SoFi to $35
Jefferies analyst John Hecht believes SoFi is in a good position to keep growing, supported by new opportunities in crypto trading, stablecoins, and student and home loan refinancing as interest rates start to fall. He added that these areas will help SoFi move toward a capital-light model and improve its return on equity (ROE) over time.
The 5-star analyst reiterated his Buy rating and raised his price target to $35 from $32 per share.
William Blair Analyst Sees Buying Opportunity
William Blair analyst Andrew Jeffrey encouraged investors to buy the stock, citing strong business growth and improving credit quality.
The 5-star analyst said SoFi’s loan demand, expansion in student and home lending, and new offerings like crypto trading and remittances could drive 25%+ revenue growth by 2026. He added that credit quality remains healthy, with lower losses and stable delinquencies, while SoFi’s cross-selling push continues to grow.
SoFi said that just 5% of its members have a mortgage with the company, showing there is still significant room to grow in areas like home lending and debt consolidation.
Is SOFI Stock a Good Buy?
According to TipRanks’ consensus, SOFI stock has a Hold consensus rating based on five Buys, eight Holds, and three Sells assigned in the last three months. At $23.27, the average SoFi Technologies stock price target implies a downside of 26.50% from the current level.
