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News  ›  The Motley Fool

Should You Invest $100 in SoFi Technologies Right Now?

The Motley Fool Logo The Motley Fool By John Ballard
Should You Invest $100 in SoFi Technologies Right Now?

SoFi Technologies surged 70% in 2025 and shows strong growth prospects with earnings more than doubling year-over-year in Q3. The fintech company's financial services segment grew 76% YoY, driven by growth in banking, brokerage, credit, and loans. With membership up 35% and investments in blockchain and AI, analysts project 30% annualized earnings growth through 2029, though the stock trades at a premium 51x earnings valuation.

Insights
SOFI   positive

Strong earnings growth (doubled YoY in Q3), robust revenue growth in financial services segment (76% YoY), significant membership growth (35% YoY), strategic investments in emerging technologies (blockchain, AI), and analyst projections of 30% annualized earnings growth through 2029 support a positive outlook despite elevated valuation multiples.