Invest with HenryANALYSTJul 22, 2026“SoFi is undervalued at under $18 — record revenue, strong profitability, and a powerful LTV-driven platform model will push the stock back above $20 and toward $25-$30 by 2027 despite tech-platform headwinds.”
Why he says it — point by point
FAVORABLE & AGAINST · BOTH KEPTWhy
Revenue reached a record $1.1 billion, up 43%. Adjusted EBITDA increased 62% to $340 million, and the company delivered its 10th consecutive profitable quarter.
They're literally making buy stuff over try stuff money by building relationships and increasing LTV, which is lifetime value of the customer.
Risk
SoFi is reorganizing those operations under SoFi Technologies Solutions. But this segment still needs to improve, and I do understand that is a part of the reason why the stock is under $20 per share.
The structured call
The receipt
Publish-day price $$17.07 · the claim is anchored to the moment it was said.