SoFi Technologies: Growth Is Doing The Heavy Lifting, And I Am Buying The Setup

The Curious Analyst 5.34K Followers Follow Summary I rate SoFi Technologies a Strong Buy with a $23 price target, reflecting confidence in its transition to a diversified financial platform. The main growth drivers are lending and the Loan Platform Business, deeper Financial Services cross-buy, and incremental contributions from SoFi Plus, Tech Solutions, and newer products. Management raised 2026 guidance to $4.75–$4.85B in adjusted net revenue and $1.60B in adjusted EBITDA, emphasizing scaling fee-based and Technology Platform revenues. I arrive at my price target by applying a 30x FWD non-GAAP P/E multiple to my 2027 EPS estimate of $0.78. Credit quality, execution within the Technology Platform, and potential dilution remain the key risks to my thesis. Joe Hendrickson/iStock Editorial via Getty Images Investment Thesis I am rating SoFi Technologies, Inc. ( SOFI ) a Strong Buy. And this is because I believe the market is still underestimating how quickly the company is moving from a balance sheet-heavy This article was written by The Curious Analyst 5.34K Followers Follow My background is in Financial Engineering and I have long since been interested in analyzing strong solid companies with a rare financial Profile. My primary area of specialization is in quantamental analysis, where I use a combination of data driven models and fundamental research. My approach is centered on a structured process that combines top-down screening with bottom-up company specific analysis .I write on to share ideas with a wider audience and also learn more about companies and other analysts. My goal is to make unique ideas & research accessible to retail and professional investors alike, while maintaining analytical depth and a clear investment thesis.Associated with another author Kennedy Njagi Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a beneficial Long position through a purchase of the stock, or the purchase of call options or similar derivatives in SOFI over the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.