Ale's World of StocksANALYSTJul 12, 2026“SOFI is a steal at current levels — strong growth, national bank charter, and AI push make it the top pick on this list.”
Why he says it — point by point
FAVORABLE & AGAINST · BOTH KEPTWhy
the market completely lost perspective on the bigger picture here. For example, if you look past that single Chime speed bump, uh SoFi's total revenue actually soared still by over 40% year-over-year. And they also added a record-breaking 1.1 million new customers, causing their EPS to literally double in size.
they also have national a national bank charter uh now that is allowing them to hold their own member deposits to fund their loans, a huge deal. It greatly lowers their cost of capital compared to other fintech peers. they're aggressively pushing into AI. They actually just recently acquired Composer, which is an AI-native investing agent
the result being high growth in both the top and bottom line with still a P/E ratio that sits below sector levels
The structured call
The receipt
Publish-day price $$18.78 · the claim is anchored to the moment it was said.
