SoFi Technologies (NASDAQ: SOFI) has seen shares fall 13% in 2026 but have soared 284% in the past three years, driven by favorable financial results. With shares below $25, the fintech stock presents a buying opportunity, but investors should consider a critical metric before diving in.

Despite economic challenges, SoFi has shown strong momentum with 38% year-over-year revenue growth in 2025, reaching $3.6 billion. The digital bank now serves 13.7 million customers, with 1 million added in the last quarter. Cross-selling and loan originations are driving growth, along with expansion into the crypto and blockchain space.

SoFi has transformed from an unprofitable company to a profitable one, reporting $173.5 million in adjusted net income in Q4 2025, up 184% year-over-year. The company forecasts 30% revenue growth in 2026, with a 54% increase in diluted earnings per share expected.

While SoFi’s forward price-to-earnings ratio of 41.3 may deter some investors, the company’s strong earnings trajectory and analyst expectations for future growth make a compelling case for buying the stock below $25. CEO Anthony Noto expressed confidence in the company’s growth and returns, signaling a positive outlook for investors.

Stock Advisor’s analyst team identified the 10 best stocks to buy now, and SoFi Technologies wasn’t on the list. However, the historical performance of Stock Advisor recommendations, like Netflix and Nvidia, underscores the potential for significant returns. Don’t miss out on the latest opportunities in the market with Stock Advisor.

Read more at Yahoo Finance: Should You Buy SoFi Technologies While It’s Below $25?