Despite a recent selloff in tech and AI stocks, SoFi (SOFI) has fallen over 20% from its peaks, presenting a buying opportunity near $25. Factors contributing to the decline include mixed signals on a December rate cut and the impact of the cryptocurrency crash on its trading business. SoFi’s valuations have become more attractive.

During the Q3 2025 earnings call, SoFi forecasted an EPS of $0.37 for 2025 and between $0.55 and $0.80 for 2026. The company added 905,000 members in Q3 2025, up 35% YoY, bringing the total member count to 12.6 million. SoFi’s innovative business model includes loan platform services and offering crypto trading.

With a growing customer base and innovative products, SoFi is well-positioned to capitalize on the financial sector. The company is adding nearly a million customers every quarter and expanding its product offerings to retail customers. SoFi’s valuations have previously been a concern, but at current levels around $25, it presents a buying opportunity for investors looking for long-term growth potential.

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