$SOFI

SoFi Technologies, Inc.

19 analysts · 2 active debates
SENTIMENT
58% BULL
STANCE FLIPS · 7d
0
LAST VERDICT
BALANCED
NEXT EARNINGS
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AS OF MAY 8

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WHERE ANALYSTS DISAGREE ON SOFI
updated 12H AGO
$SOFI
7d

SOFI's Risk-Reward At Discount

BULL CASE

"SOFI is a long-term fintech/banking winner at attractive valuations because its earnings momentum (net income +135% YoY) and member growth (14.7M members in early 2026 vs 13.6M end of last year) could scale it toward tens of millions of customers over the next 5–10 years."

Financial EducationANALYST
“4 Stocks to Buy Now‼️ May 2026”
May 5, 2026
BEAR CASE

"SOFI looks poised for further downside because its lofty premium valuation, high P ratio, cash burn/dilution, and competition fears make it vulnerable to corrections when expectations slip."

Ricky GutierrezANALYST
“LIVE NOW: FOMC RATE DECISION + PRESS CONFERENCE 2026”
Apr 29, 2026
ANALYST SENTIMENT · 4 TAKES
3 BULL · 75%25% · 1 BEAR
$SOFI
34d

SoFi Digital Banking Growth

BULL CASE

"SoFi (SOFI) is a $16 digital banking/fintech franchise scaling customer acquisition and cross‑sell (fees-first asset‑light model) that can become a top‑15 financial institution over the next decade — I view it as a multi‑year growth buy despite macro/credit cycle risk."

Financial EducationANALYST
“top 10 stocks to buy UNDER $100”
Apr 7, 2026
BEAR CASE

"I'm bearish on SOFI's retail checking product — its ~0.5% advertised yield versus challenger offerings (Caleb cites Chime ~3.5% and large sign-up bonuses) makes SoFi's deposit proposition uncompetitive and a headwind for deposit growth and funding cost advantages."

Caleb HammerANALYST
“This Has Never Happened Before | Financial Audit”
Apr 1, 2026
ANALYST SENTIMENT · 6 TAKES
5 BULL · 83%17% · 1 BEAR
STANCE FLASH · SOFI
— NO STANCE CHANGES THIS WEEK · ANALYSTS STEADY —
ANALYST COVERAGE
Ricky Gutierrez — YouTube finance analystCaleb Hammer — YouTube finance analystAle's World of Stocks — YouTube finance analyst
— Covered by Ricky Gutierrez · Caleb Hammer · Ale's World of Stocks

What is the latest research on SOFI?

COMPLETE ANALYSIS HISTORY · 3 TAKES
RGRicky Gutierrez — YouTube finance analystRicky Gutierrez12h ago
BEAR$SOFI

"SOFI is also not a priority for me because I don’t see a durable edge that would protect it if broader conditions soften, given the same macro sensitivity seen across fintech-style names."

"TOP 5 STOCKS TO WATCH THIS WEEK"
CHCaleb Hammer — YouTube finance analystCaleb Hammer3d ago
BEAR$SOFI

"SOFI is a subpar choice for banking savings compared with Chime, and the recommendation is to switch away from it."

@ ~$15.75
"Financial Audit's Biggest Karen"
AWAle's World of Stocks — YouTube finance analystAle's World of Stocks5d ago
BULL$SOFI

"SOFI is a long-term winner to buy on the earnings dip because results were a blowout (sales up 41%, member growth up 35% to ~15M, and net income more than doubling) but the stock fell on cautious guidance amid rate/geopolitical uncertainty, while deposits jumped $2.7B this quarter and the valuation is still ~30% cheaper on PEG to the sector."

@ ~$612.88
"5 Stocks to BUY NOW After Earnings Crash!"