Is SOFI a good stock to buy? We came across a bullish thesis on SoFi Technologies, Inc. on r/ValueInvesting by TherealCarbunc. In this article, we will summarize the bulls’ thesis on SOFI. SoFi Technologies, Inc.’s share was trading at $16.17 as of May 27th. SOFI’s trailing and forward P/E were 35.51 and 26.67 respectively according to Yahoo Finance.
SoFi Technologies, Inc. (SOFI) is positioned as a fintech and digital banking platform that the thesis argues has likely formed a cyclical bottom following a prolonged selloff driven by concerns over the durability of technology-related revenue after perceived client churn risks (notably Chime), broader macro headwinds from inflation and tightening credit conditions, and historical dilution concerns that are increasingly viewed as largely resolved as issuance becomes more accretive and the capital structure stabilizes.
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The company has delivered 10 consecutive GAAP profitable quarters and has consistently met or exceeded guidance since its second earnings report, reinforcing a track record of execution. Management is guiding for approximately 30% revenue CAGR and 38–42% EPS CAGR through 2028, alongside a Rule of 40 score of 72, positioning SoFi as a rare high-growth, profitable financial platform. Membership expansion remains robust, with SoFi Plus driving deeper ecosystem engagement and supporting the long-term vision of building a unified financial services super-app.
Strategic expansion into crypto wallets, business banking, a Mastercard partnership, SOFIUSD stablecoin initiatives, and acquisitions such as PrimaryBid, Composer, and Peach further strengthen integration across investing, lending, and banking verticals. Despite this progress, SoFi trades at a forward PEG below 0.6, reflecting a steep risk discount that persists despite demonstrated resilience through high-rate environments, student loan disruptions, and regulatory uncertainty.
Technical indicators suggest stabilization, with the stock holding above the 200-week EMA and showing easing downside momentum as MACD signals exhaustion and RSI remains neutral. Additional catalysts include potential S&P 500 inclusion once sustained market capitalization above $22.8B is achieved, with probability increasing alongside continued operational growth. Trading at just above 2x tangible book value and under 2x book, investors highlight meaningful undervaluation and significant rerating potential as the market begins to more fully reflect its long-term compounding financial ecosystem.
Previously, we covered a bullish thesis on SoFi Technologies, Inc. (SOFI) by Oliver | MMMT Wealth in May 2025, which highlighted strong earnings momentum, membership expansion, and undervaluation driven by scalable fintech growth. SOFI’s stock price has appreciated by approximately 25.73% since our coverage. TherealCarbunc shares a similar view but emphasizes macro bottoming signals, technical stabilization, and S&P 500 inclusion as key rerating catalysts.
SoFi Technologies, Inc. is not on our list of the 40 Most Popular Stocks Among Hedge Funds. As per our database, 47 hedge fund portfolios held SOFI at the end of the first quarter which was 56 in the previous quarter. While we acknowledge the risk and potential of SOFI as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and doing so within a shorter time frame. If you are looking for an AI stock that is more promising than SOFI and that has 10,000% upside potential, check out our report about this cheapest AI stock.
Disclosure: None.
