SoFi Defies Short-Term Dip with 31st-Highest Volume and 61.75% YTD Outperformance

On September 2, 2025, SoFi Technologies (SOFI) closed at $24.91, down 2.47% from the previous day’s close. The stock saw a trading volume of 75.1 million shares, a 34.98% increase from the prior day, ranking it 31st in volume among U.S. equities. Despite the decline, SoFi’s year-to-date return of 61.75% outperforms the S&P 500’s 9.08%, while its 12-month return of 211.76% far exceeds the benchmark’s 13.58%.

Analysts highlight SoFi’s momentum-driven performance, driven by strong earnings estimate revisions and market share gains. Over the past two months, six of seven earnings estimates for the company have been raised, boosting the consensus estimate from $0.27 to $0.31. This trend aligns with its Zacks Rank #2 (Buy) designation, suggesting continued outperformance relative to peers. SoFi’s Galileo platform, which enables embedded finance partnerships, has also contributed to revenue diversification and market expansion.

Volume metrics underscore investor interest. The stock’s 20-day average volume of 61.67 million shares indicates robust liquidity, with recent trading above this level reinforcing bullish signals. While short-term volatility persists, SoFi’s long-term trajectory remains supported by its integrated financial ecosystem and AI-driven product innovations, including SoFi Invest and SoFi Relay.

Backtest results show SoFi’s 60-day price change of 17.1% outperforms its Financial - Miscellaneous Services industry, which remained flat. Over the past quarter, the stock surged 81.14%, compared to the S&P 500’s 9.8% gain. Earnings revisions over 60 days further validate its momentum, with five of five next-year estimates revised upward. These factors position SoFi as a key player in the evolving fintech landscape, despite near-term price fluctuations.