SoFi Technologies (SOFI) faces caution from investors as stock falls below $30, trading 40.34% under 52-week high. Concerns over dilution from $1.5 billion capital raise led to profit-taking after strong rally, prompting market discipline. However, underlying business shows growth in product adoption, member growth, and engagement metrics.

Investors reacted positively to SoFi’s earnings schedule, with stock climbing 4.9% and gaining 6.6% in subsequent trading session. SoFi, based in San Francisco, spans lending, banking tech, APIs, investing tools, and cash management. Stock performance over 52 weeks saw a 58.33% gain before recent drop.

SoFi stock trades at high multiples, 70.95 times forward adjusted earnings and 9.17 times sales, signaling a premium with high expectations. In Q3 fiscal 2025, SoFi’s revenue surged 37.9% YOY to $961.6 million, beating estimates. Adjusted EPS rose 120% to $0.11, with net income up 129.5% and EBITDA up 48.7% YOY.

SoFi adds record members and products, with robust engagement quality. Management raises full-year guidance, expecting 3.5 million new members and adjusted net revenue of $3.54 billion. Analysts project EPS growth in Q4 fiscal 2025 and beyond. Wall Street rates SOFI stock as “Hold” with varying opinions.

SoFi shows rapid scaling, effective monetization, and strong engagement, supporting growth. Average price target of $27.58 implies 8.3% upside, with highest target at $38 suggesting 49.3% increase. Analysts project EPS growth for fiscal years 2025 and 2026, reflecting positive outlook for the company’s future.

Read more at Yahoo Finance: Dear SoFi Stock Fans, Mark Your Calendars for January 30