SoFi Technologies: Doubling Upside Potential Ahead, Thanks To Neobank's/Fintech's Outperformance

Juxtaposed Ideas
13.85K Followers
(10min)

Summary

  • The selloff has already triggered SOFI's much-needed correction, thanks to the cheaper valuations and the more than doubling upside potential over the next few years.
  • Much of its tailwinds are attributed to the management's ongoing diversification in revenues across net interest incomes and fees-based platforms, reducing its sensitivity to fluctuating interest rates.
  • These build upon SOFI's ability to increasingly cross-sell its well-diversified financial products to its existing/ new members as a one-stop shop fintech platform.
  • This is on top of the outsized lending/ neobank performance, as observed in the higher loan originations with lower net charge-offs & lower funding costs from the growing deposit base.
  • While there remains a long path to a normalized macroeconomic environment, SOFI is already showing great resilience no matter the past and future challenges.

Shopping Trolley Growth

Jonathan Kitchen

SOFI Remains Attractively Valued Thanks To The Recent Correction & Its Neobank/Fintech Outperformance

We previously covered SoFi Technologies (NASDAQ:SOFI) in February 2025, discussing the stock's extreme rally since the 2022 bottoms, as the macroeconomic outlook turned optimistic and

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