SoFi Technologies Sets Public Offering Price at $27.50 per Share for Approximately 54.55 Million Shares
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 05 2025
0mins
Should l Buy SOFI?
Source: NASDAQ.COM
Public Offering Announcement: SoFi Technologies Inc. has priced its public offering of approximately 54.55 million shares at $27.50 per share, aiming for total gross proceeds of about $1.5 billion.
Underwriter Option: The company has granted underwriters a 30-day option to purchase an additional 8,181,818 shares at the public offering price.
Closing Date: The offering is expected to close on December 8, 2025, pending customary closing conditions.
Use of Proceeds: SoFi plans to use the net proceeds for general corporate purposes, including enhancing capital position and funding growth opportunities.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 19.300
Low
18.00
Averages
28.31
High
38.00
Current: 19.300
Low
18.00
Averages
28.31
High
38.00
About SOFI
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Significant Revenue Growth: SoFi's adjusted net revenue reached $3.6 billion in 2025, marking a 38% year-over-year increase, which underscores its robust growth momentum in the digital banking sector and solidifies its market position.
- Customer Base Expansion: With 13.7 million customers, SoFi added 1 million new users in the fourth quarter, indicating sustained product appeal and market penetration, which enhances future revenue potential.
- Profitability Improvement: Adjusted net income is projected to rise 72% to $825 million in 2026, reflecting a significant enhancement in the company's profitability, which may attract more investor interest.
- Future Growth Expectations: Between 2025 and 2028, adjusted earnings per share are expected to grow at a compound annual rate of 40%, providing strong investment confidence and competitive advantage for investors through ongoing profit growth.
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- SoFi Customer Growth: SoFi added 1 million customers in Q4 2025, a 35% year-over-year increase, bringing total users to nearly 13.7 million, showcasing rapid expansion in the U.S. financial market with significant future growth potential.
- Significant Revenue Growth: SoFi's financial services revenue surged 78% year-over-year in Q4, with contribution profit doubling, indicating success in non-lending services and positioning it to continue outperforming other bank stocks.
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- Simplified Accounting Policy: This year, LendingClub adopted the fair value option for accounting, streamlining loan processing and aligning revenue recognition with loss timing, which enhances transparency and could bolster institutional investor confidence.
- Increased Loan Origination Targets: Management has set a loan origination target of $12.1 billion for this year, with a long-term goal of ramping up to $18 billion to $22 billion, which could significantly enhance profitability and market competitiveness, driving stock price appreciation.
- Clear Valuation Advantage: LendingClub trades at less than 10 times earnings, significantly lower than SoFi's 34 times, suggesting that if market confidence in its future earnings grows, the stock price could reach $24, indicating strong upside potential.
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Competitive Analysis of SoFi and LendingClub in Personal Lending
- SoFi Stock Performance: SoFi Technologies has seen its stock rise over 37% in the past year, yet it trades at a high valuation of nearly 34 times earnings, which may pose risks to investor confidence moving forward.
- LendingClub Earnings Growth: LendingClub reported earnings per share of $0.45 in 2024, with a projected 154% increase to $1.15 in 2025, and further guidance of $1.65 to $1.80 for 2026, indicating strong potential for profitability.
- Accounting Policy Change: This year, LendingClub adopted the fair value option for loan accounting, simplifying its financial reporting and aligning revenue recognition with loss timing, which could enhance transparency and attract institutional investors.
- Loan Origination Goals: LendingClub aims to ramp up loan originations to between $18 billion and $22 billion by 2025, with a current run rate of $12 billion, showcasing its ambition for business expansion and market opportunities.
See More
Analysis of Investment Opportunities in High-Growth Stocks
- SoFi Business Expansion: SoFi has expanded from offering only student loans to a comprehensive suite of financial services, increasing its member base from 2.5 million at the end of 2021 to 13.7 million by the end of 2025, indicating strong appeal among younger demographics, with projected revenue CAGR of 24% in the coming years.
- Impact of Galileo Acquisition: The acquisition of payment processor Galileo in 2020, which operates independently and manages nearly 160 million accounts, has enhanced SoFi's competitive edge and service offerings, with analysts forecasting a 40% CAGR for adjusted EBITDA from 2025 to 2027.
- Adyen's Flexible Payment Solutions: Adyen integrates its backend payment software into merchants' existing platforms, allowing acceptance of over 250 payment methods, with expected revenue and adjusted EBITDA CAGRs of 21% and 24% respectively from 2025 to 2027, showcasing its robust growth potential.
- Valuation Appeal: With an enterprise value of €20.2 billion (approximately $24 billion), Adyen trades at 13 times this year's adjusted EBITDA, presenting an attractive valuation for investors seeking undervalued high-growth opportunities in the fintech sector.
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SoFi Technologies Shows Strong Financial Performance
- Significant Revenue Growth: SoFi's adjusted net revenue reached $3.6 billion in 2025, marking a 38% year-over-year increase, indicating the company's growing competitiveness in the financial services sector and attracting more customers.
- User Base Expansion: As of 2025, SoFi's total customer count reached 13.7 million, with 1 million new users added in the fourth quarter, showcasing its strong appeal and market penetration in the digital banking space.
- Profitability Improvement: Adjusted net income is projected to rise 72% to $825 million in 2026, reflecting ongoing enhancements in the company's profitability, which bolsters investor confidence.
- Future Growth Potential: Between 2025 and 2028, adjusted earnings per share are expected to grow at a compound annual rate of 40%, indicating that SoFi will continue to benefit from strong market trends and innovative strategies in the coming years.
See More
SoFi's Adjusted Revenue Soars 38% in 2025
- Significant Revenue Growth: SoFi's adjusted net revenue reached $3.6 billion in 2025, marking a 38% year-over-year increase, which underscores its robust growth momentum in the digital banking sector and solidifies its market position.
- Customer Base Expansion: With 13.7 million customers, SoFi added 1 million new users in the fourth quarter, indicating sustained product appeal and market penetration, which enhances future revenue potential.
- Profitability Improvement: Adjusted net income is projected to rise 72% to $825 million in 2026, reflecting a significant enhancement in the company's profitability, which may attract more investor interest.
- Future Growth Expectations: Between 2025 and 2028, adjusted earnings per share are expected to grow at a compound annual rate of 40%, providing strong investment confidence and competitive advantage for investors through ongoing profit growth.
See More
Future Potential of Digital Bank Stocks
- Nu Holdings Growth Momentum: As an all-digital bank in Brazil, Nu Holdings has attracted over 60% of the adult population, onboarding 1 million new users monthly, indicating significant potential in the Latin American market and expected to continue rewarding investors.
- Market Expansion Plans: Nu is applying for a banking charter in the U.S. to further expand its market, with substantial growth opportunities in Mexico and Colombia, strategically enhancing its competitive position.
- SoFi Customer Growth: SoFi added 1 million customers in Q4 2025, a 35% year-over-year increase, bringing total users to nearly 13.7 million, showcasing rapid expansion in the U.S. financial market with significant future growth potential.
- Significant Revenue Growth: SoFi's financial services revenue surged 78% year-over-year in Q4, with contribution profit doubling, indicating success in non-lending services and positioning it to continue outperforming other bank stocks.
See More
LendingClub vs. SoFi: Valuation Discrepancies in Fintech
- Significant Earnings Growth: LendingClub reported a diluted EPS of $0.45 in 2024, which surged by 154% to $1.15 in 2025, with management guiding for an EPS of $1.65 to $1.80 this year, indicating robust growth potential that may attract more investor interest.
- Simplified Accounting Policy: This year, LendingClub adopted the fair value option for accounting, streamlining loan processing and aligning revenue recognition with loss timing, which enhances transparency and could bolster institutional investor confidence.
- Increased Loan Origination Targets: Management has set a loan origination target of $12.1 billion for this year, with a long-term goal of ramping up to $18 billion to $22 billion, which could significantly enhance profitability and market competitiveness, driving stock price appreciation.
- Clear Valuation Advantage: LendingClub trades at less than 10 times earnings, significantly lower than SoFi's 34 times, suggesting that if market confidence in its future earnings grows, the stock price could reach $24, indicating strong upside potential.
See More
Competitive Analysis of SoFi and LendingClub in Personal Lending
- SoFi Stock Performance: SoFi Technologies has seen its stock rise over 37% in the past year, yet it trades at a high valuation of nearly 34 times earnings, which may pose risks to investor confidence moving forward.
- LendingClub Earnings Growth: LendingClub reported earnings per share of $0.45 in 2024, with a projected 154% increase to $1.15 in 2025, and further guidance of $1.65 to $1.80 for 2026, indicating strong potential for profitability.
- Accounting Policy Change: This year, LendingClub adopted the fair value option for loan accounting, simplifying its financial reporting and aligning revenue recognition with loss timing, which could enhance transparency and attract institutional investors.
- Loan Origination Goals: LendingClub aims to ramp up loan originations to between $18 billion and $22 billion by 2025, with a current run rate of $12 billion, showcasing its ambition for business expansion and market opportunities.
See More
Analysis of Investment Opportunities in High-Growth Stocks
- SoFi Business Expansion: SoFi has expanded from offering only student loans to a comprehensive suite of financial services, increasing its member base from 2.5 million at the end of 2021 to 13.7 million by the end of 2025, indicating strong appeal among younger demographics, with projected revenue CAGR of 24% in the coming years.
- Impact of Galileo Acquisition: The acquisition of payment processor Galileo in 2020, which operates independently and manages nearly 160 million accounts, has enhanced SoFi's competitive edge and service offerings, with analysts forecasting a 40% CAGR for adjusted EBITDA from 2025 to 2027.
- Adyen's Flexible Payment Solutions: Adyen integrates its backend payment software into merchants' existing platforms, allowing acceptance of over 250 payment methods, with expected revenue and adjusted EBITDA CAGRs of 21% and 24% respectively from 2025 to 2027, showcasing its robust growth potential.
- Valuation Appeal: With an enterprise value of €20.2 billion (approximately $24 billion), Adyen trades at 13 times this year's adjusted EBITDA, presenting an attractive valuation for investors seeking undervalued high-growth opportunities in the fintech sector.
See More
SoFi Technologies Shows Strong Financial Performance
- Significant Revenue Growth: SoFi's adjusted net revenue reached $3.6 billion in 2025, marking a 38% year-over-year increase, indicating the company's growing competitiveness in the financial services sector and attracting more customers.
- User Base Expansion: As of 2025, SoFi's total customer count reached 13.7 million, with 1 million new users added in the fourth quarter, showcasing its strong appeal and market penetration in the digital banking space.
- Profitability Improvement: Adjusted net income is projected to rise 72% to $825 million in 2026, reflecting ongoing enhancements in the company's profitability, which bolsters investor confidence.
- Future Growth Potential: Between 2025 and 2028, adjusted earnings per share are expected to grow at a compound annual rate of 40%, indicating that SoFi will continue to benefit from strong market trends and innovative strategies in the coming years.
See More
