Should You Invest $1,000 in SoFi Technologies Right Now?

This top fintech stock is trading at a discount, down 34% from its record high.SoFi Technologies (SOFI +1.61%) is quickly making a name for itself in the competitive financial services industry. Its growth has been eye-opening, and management continues to innovate in an effort to better serve customers. Should you buy this fintech stock, which is down 34% from its peak (as of Feb. 10), with $1,000 right now? Image source: Getty Images. The digital bank's financial results are notable SoFi's adjusted net revenue came in at $3.6 billion in 2025, up 38% year over year. It now has 13.7 million customers, after signing up 1 million new users in the fourth quarter (ended Dec. 31). Both fee-based revenue and net interest income exhibited fantastic growth. The digital banking powerhouse is firing on all cylinders. And management is thinking ahead, with a major push into cryptocurrency- and blockchain-related endeavors. It's time to press the buy button The stock currently trades at a forward price-to-earnings ratio of 36.2. Despite what seems like an elevated valuation, investors should still consider buying the business with $1,000, which accounts for about 47 shares. ExpandNASDAQ: SOFISoFi TechnologiesToday's Change(1.61%) $0.31Current Price$19.61Key Data PointsMarket Cap$24BDay's Range$19.15 - $19.8752wk Range$8.60 - $32.73Volume43MAvg Vol58MGross Margin63.53% That's because there is no reason to believe that SoFi's fundamental momentum will let up. Even better, the business is producing surging profits. Adjusted net income is projected to rise 72% year over year to $825 million in 2026. And between 2025 and 2028, adjusted earnings per share are expected to increase at a compound annual rate of 40% (at the midpoint). Ongoing growth like this is exactly the tailwind that investors like to see. Read NextFeb 13, 2026 •By Leo Sun2 Brilliant Growth Stocks to Buy Now and Hold for the Long TermFeb 11, 2026 •By Jennifer Saibil5 Reasons I'm Excited About SoFi Stock in 2026Feb 11, 2026 •By Jennifer SaibilSoFi Stock Tumbles. Why It's a Buying Opportunity.Feb 10, 2026 •By Prosper Junior BakinyThis Growth Stock Continues to Crush the MarketFeb 10, 2026 •By Neil PatelSoFi Technologies Is Making Significant Moves in the Cryptocurrency Market.

If History Repeats, Investors Can See Supercharged Returns.Feb 8, 2026 •By Neil PatelThis Superstar Fintech's Profits Are Expected to Skyrocket 72% This YearAbout the AuthorNeil Patel is a contributing Motley Fool stock market analyst covering consumer staples, consumer discretionary, financials, information technology, and communication services. Prior to The Motley Fool, Neil worked in corporate finance roles at JPMorgan Chase and Capital One. He also has experience working on a start-up in the cryptocurrency space. He holds a bachelor’s degree in business administration with a specialization in finance from Ohio State University.TMFNeilPatelStocks MentionedSoFi TechnologiesNASDAQ: SOFI$19.61 (+1.61%) $+0.31*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.