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SoFi: More Wall St. Games

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  • SoFi Technologies delivered 41% YoY revenue growth, and record loan originations.
  • The flywheel effect and SoFi Plus adoption drove robust member and product growth, providing a recurring revenue stream for the future.
  • The fintech guided conservatively due to adopting the view of up to 2 Fed rate hikes this year versus original expectations of rate cuts.
  • The stock is cheap trading at just 13x 2026 adjusted EBITDA targets while consensus estimates project strong growth into 2028, including 52% EBITDA growth this year.
SoFi Technologies, Inc. (SOFI) continues reporting amazing results, yet the stock is stuck 50% below the all-time highs. The fintech is firing on all cylinders regardless of guidance for more market-related headwinds in the 2H. My investment thesis remains ultra Bullish on the stock as the market is not accurately valuing SoFi based on the growth dynamics.


Read the full article on Seeking Alpha. 

Disclosure: Long SoFi. Please review the disclaimer page for more details. 

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