Up 85%: Should You Buy This Fintech Stock?

Stocks have had a wild ride in 2025. While it wasn’t a smooth year, the stock market remained resilient despite the ups and downs. With the onset of the new year, there’s an opportunity for you to take a look at your portfolio and consider the changes you need to make. If you’re willing to add new stocks to your portfolio, SoFi Technologies (NASDAQ: SOFI | SOFI Price Prediction) is one fintech stock worth considering.

SoFi Technologies is one of the most disruptive names in the industry. It has attracted young users and become a ‘one-stop shop’ for all things money. Users can save, invest, spend, and budget on the SoFi app. 2025 has been the best year ever for SoFi Technologies, as its shares hit an all-time high of $32.73. The fintech stock gained 85% in 2025 and is now trading below its all-time high at $27.46. It started in 2025 at $14 and ended the year at $26.

Is more upside possible? Should you buy the stock while it is below $40? Here’s why I think SOFI is one of the top fintech stocks to own this year.

Top and Bottom Line Growth

SoFi has gone beyond the traditional business of consumer lending and has now built impressive technology and infrastructure capabilities that steadily attract users. The company has been growing across different metrics, and its management has ensured consistent expansion of the ecosystem. 

The company first beat revenue expectations in the fourth quarter of 2023, and the market believes that it will continue doing so in 2026. Further, in the fourth quarter results, SoFi will inch closer to the milestone of $1 billion in quarterly sales. 

It has delivered strong financials for the third quarter. SOFI recorded a 35% jump in the number of users and a 36% year-over-year jump in the number of products. Since the number of products has surpassed the number of users, it shows that SOFI continues to sell services to existing customers.

It reported an EPS of $0.11 and a revenue of $950 million, up 37.7% year over year. The net income came in at $139 million, and it ended the quarter with a record 12.6 million members. For the full year, the management now expects to add about 3.5 million new members. 

Its financial services segment revenue saw a 76% year-over-year jump, while the technology platform segment saw a 12% jump, and the lending segment saw a 25% rise. 

Analysts expect SoFi to generate a revenue of $985 million in the upcoming fourth-quarter results. The company is set to announce results on January 30. 

Steady Expansion

SoFi is expanding into the digital assets segment and launched SoFi Crypto in November, the first chartered bank that allows consumers to make transactions using crypto assets. Further, in December, it launched SoFiUSD, a stablecoin space.

One of the biggest reasons to buy SOFI is the strong leadership and management execution. Everything has gone right for the company since 2023, and it consistently beats Wall Street forecasts. The management continues to boost guidance, strengthening its market position and showing that it has massive potential for the long term. 

Strong Upside Possible in 2026

SOFI has been trading between $25 and $30 over the past few months. However, a strong fourth-quarter report could boost the stock and push it beyond $30. SOFI has the potential to deliver extraordinarily and beat market expectations quarter after quarter.

The company is in growth mode and on the cusp of significant gains. While the stock is valued at a premium, there is a strong chance of steady upside. If you already own SOFI shares, it will be worth holding on to them for the long term. The stock has the potential to double your money.

If you’re interested in riding the fintech wave, do not wait for a bottom in the stock. SOFI could have another impressive run in 2026.

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