SOFI

SoFi Technologies has seen its stock stay resilient and consolidate solidly despite persistent rate hike pressures and sector-wide financial headwinds. SOFI's robust deposit base and banking charter provide balance sheet flexibility, supporting loan origination amid macro challenges. Lending remains the primary profit driver (57% of adjusted gross profit), but revenue growth is expected to slow, with FY2028 estimates just above 20%.

Higher interest rates are bad news for SoFi (SOFI +6.12%) stock investors.

SoFi Technologies Inc (NASDAQ:SOFI) is exempt from the AI struggles  today, last seen up 2.8% to trade at $14.61.

SoFi just posted record loan originations, deposits, and member growth, yet the stock cratered nearly 46% this year while the broader market surged.

Expand NASDAQ: SOFI SoFi Technologies Premium Feature Moneyball Superscore 77 /100 Today's Change (-6.69%) $-1.02 Current Price $14.22 Key Data Points Market Cap $20B Market cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares.

Rising long-term interest rates are overwhelming a fresh buy initiation from StoneX on SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) and sending SoFi stock sharply lower. SoFi stock is at $14.

SoFi Technologies (SOFI) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

SoFi Technologies remains a Strong Buy with a $22–$26 fair value, reflecting 39%–65% upside from current levels. SOFI's differentiated business segments are variably exposed to higher rates, with deposit funding protected by the bank charter and loan platform fees pressured by term premiums. Retaining most loan originations increases balance sheet risk but supports net interest margin, contingent on stable rates and sustained buyer demand for loan sales.

SOFI is bringing crypto-linked cards to Mexico with Orbi and Mastercard, while exploring SoFiUSD transfers as regional stablecoin demand grows.

SoFi is initiated at a 'Buy,' with fair value materially above current levels and a technical setup supportive of a year-end bounce. SOFI delivered strong Q2 results: $1.21 billion revenue (+41% YoY), record member/product growth, and raised FY 2026 revenue guidance to $4.75–$4.85 billion. Heavy reinvestment, not operational weakness, drove recent stock underperformance; management prioritizes long-term growth over near-term earnings or capital returns.