Is SoFi a buy, sell, or hold?

The consensus on SoFi is that it's a hold right now. That being said, it's best to come to your own decision based on your research of a company. While analysts may consider SoFi a hold, it could be worth a buy for aggressive, growth-focused investors.

Is SoFi a good company to buy?

Many investors consider SoFi a good company to buy. Its revenue, income, and member numbers have all been growing, and the financial products it offers are highly regarded.

Who owns the most SoFi stock?

Vanguard Group owns the most SoFi stock as of reporting on January 27, 2026. At that time, Vanguard Group owned more than 107 million shares of SoFi stock.

How to Buy SoFi Stock (SOFI) in 2026

If you want to add SoFi to your portfolio, here's exactly how to do it.

By Lyle Daly – Updated Jan 27, 2026 at 12:49 PM EST | Fact-checked by Margo Winton Parodi

Key Points

SoFi grew rapidly, reaching $30 billion in deposits by Q2 2025, marking strong growth.
Investors can buy SoFi stock through various order types in their brokerage accounts.
SoFi uses AI to lower costs and enhance service, boosting member utilization and satisfaction.

SoFi Technologies (SOFI -2.39%) is one of the more successful fintech companies, so it's no surprise that many investors are interested in buying SoFi stock. It has been growing quickly and reported nearly $30 billion in deposits as of the second quarter of 2025.

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Since SoFi is a publicly traded company, any investor can add it to their portfolio via a brokerage account. In this guide, we'll go over how to invest in SoFi stock and whether it's a good idea.

A person researching and comparing a stock on a computer and a tablet. — Image source: Getty Images.

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How to buy SoFi stock

You can buy SoFi stock by following a few simple steps.

Open your brokerage account: Log in to your brokerage account where you handle your investments. If you don't have one yet, take a look at our favorite brokers and trading platforms to find the right one for you.
Fund your account: Transfer money so you’re ready to invest.
Search for SoFi: Enter the ticker symbol "SOFI" into the search bar to bring up the stock's trading page.
Decide how many shares to buy: Consider your investment goals and how much of your portfolio you want to allocate to this stock.
Select order type: Choose between a market order to buy at the current price or a limit order to specify the maximum price you're willing to pay.
Submit your order: Confirm the details and submit your buy order.
Review your purchase: Check your portfolio to ensure your order was filled as expected and adjust your investment strategy accordingly.

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Should you invest in SoFi?

You should consider investing in SoFi if you're looking for growth. There's a lot to like about SoFi as an investment opportunity. It provides a wide range of financial products and services, including:

Bank accounts
Credit cards
Brokerage accounts
Mortgages
Student loans
Insurance

It's also good at getting members to use multiple services by providing a quality customer experience, which includes educational resources and personalized recommendations. And it's a forward-thinking company that implements artificial intelligence (AI) to reduce operating costs.

Another reason to be bullish on SoFi is its growth over the years. The company's number of members has soared, with consistent year-over-year growth rates exceeding 30%. It has also regularly seen double-digit revenue growth.

Keep in mind that growth stocks like SoFi tend to be more volatile. One particular concern some investors have with SoFi is that it could be overvalued. More conservative investors and those who already have aggressive portfolios may want to be careful about investing in SoFi.

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NASDAQ: SOFI

SoFi Technologies

Today's Change

(-2.48%) $-0.41

Current Price

$16.09

Key Data Points

Market Cap

$21B

Day's Range

$15.65 - $17.10

52wk Range

$13.96 - $32.73

Volume

50.4M

Avg Vol

67.3M

Gross Margin

61.74%

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Is SoFi profitable?

SoFi is profitable as of 2026. During the second quarter of 2025, it posted net income of $97.3 million, compared to $17.4 million during the same period of 2024.

Total revenue for SoFi increased by 26% from 2023 to 2024. That trend has continued in 2025, and in a strong second quarter, revenue grew year-over-year by 44%.

SoFi has also continued to add more members. Total members reached 11.8 million in the second quarter of 2025, up 34% from 8.8 million a year before.

Does SoFi pay a dividend?

SoFi doesn't currently pay a dividend, and it hasn't paid one before, either. Right now, SoFi is generally considered a growth stock, and those usually don't pay dividends. It may do so in the future, as there are several bank stocks that make dividend payments to shareholders. But if you're interested in dividend stocks, you'll need to look elsewhere.

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Commercial Banking

A set of financial services designed for businesses, such as deposit accounts, loans, lines of credit, payment processing, and more.

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A big advantage of going with an ETF is that it makes investing easier and far less time-consuming. If you invest in individual stocks, you'll need to do much more research to build out your portfolio.

However, you do give up control when investing in ETFs. SoFi will be a much smaller portion of your portfolio this way. Most ETFs with SoFi allocate less than 1% of the money to it. You could also pick an ETF you like so that you have a diversified portfolio while also investing in SoFi on the side.

Will SoFi stock split?

SoFi carried out a one-for-five reverse stock split for its SoFi Select 500 ETF (SFY -1.53%) after the close of trading on Oct. 1, 2024. Shares began trading on a split-adjusted basis the following day.

The motivation for a reverse stock split is to make a stock more attractive to investors, such as if it has a low share price. Some people consider low-priced stocks risky, and brokerage firms can be reluctant to recommend them to clients.

The bottom line on SoFi stock

With how much it has grown, SoFi is an exciting company for investors. It's certainly one to watch and could be a solid investment choice if you're looking for growth potential. If you decide to buy it, make sure you're prepared to ride out the ups and downs, as it can be volatile.

For those who know they want to buy SoFi stock, all it takes is a brokerage account with cash available. Log in to your account and pull up SoFi on the trade tool, and you can place an investment order.

FAQ

Investing in SoFi FAQ

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About the Author

Lyle Daly is a contributing Motley Fool stock market analyst covering information technology and cryptocurrency. Lyle has been a contributor at the financial services company since 2018. His work has been featured on USA Today, Yahoo Finance, MSN, Fox Business, and Nasdaq. Before joining The Motley Fool, he wrote for financial brands including Intuit.

TMFLyleDaly

@LyleDaly

Lyle Daly has positions in Vanguard Total Stock Market ETF. The Motley Fool has positions in and recommends Vanguard Index Funds - Vanguard Small-Cap ETF and Vanguard Total Stock Market ETF. The Motley Fool has a disclosure policy.

How to Buy SoFi Stock (SOFI) in 2026

If you want to add SoFi to your portfolio, here's exactly how to do it.

Key Points

How to buy SoFi stock

Should you invest in SoFi?

NASDAQ: SOFI

Key Data Points

Is SoFi profitable?

Does SoFi pay a dividend?

Commercial Banking

Will SoFi stock split?

The bottom line on SoFi stock

Related investing topics

Best Bank Stocks for 2026 and How to Invest

How to Buy Cava Stock (CAVA) and What Investors Should Know Before They Do

A Complete Guide to College Savings Accounts in 2026

Can You Buy Ripple Stock in 2026?

FAQ

Investing in SoFi FAQ

Is SoFi a buy, sell, or hold?

Is SoFi a buy, sell, or hold?

Is SoFi a good company to buy?

Is SoFi a good company to buy?

Who owns the most SoFi stock?

Who owns the most SoFi stock?

About the Author

Read Next

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How to buy SoFi stock

Should you invest in SoFi?

NASDAQ: SOFI

Key Data Points

Is SoFi profitable?

Does SoFi pay a dividend?

Commercial Banking

Will SoFi stock split?

The bottom line on SoFi stock

Related investing topics

Best Bank Stocks for 2026 and How to Invest

How to Buy Cava Stock (CAVA) and What Investors Should Know Before They Do

A Complete Guide to College Savings Accounts in 2026

Can You Buy Ripple Stock in 2026?

Investing in SoFi FAQ

Is SoFi a buy, sell, or hold?

Is SoFi a buy, sell, or hold?

Is SoFi a good company to buy?

Is SoFi a good company to buy?

Who owns the most SoFi stock?

Who owns the most SoFi stock?

How to invest in SoFi through ETFs