📉 SOFI IS FALLING AND I'M BUYING MORE! AT THIS VALUATION I'M STARTING TO SEE AN OPPORTUNITY 💰
SoFi Technologies (SOFI) stock has fallen by more than 40% in 2026.
And I'm becoming increasingly optimistic.
I recently made a small purchase of SoFi and plan to buy more at current prices.
Why?
Because while the stock price is falling significantly, the company itself continues to grow exceptionally strongly.
📊 Let's look at the latest quarterly results:
Adjusted revenue growth: +40%
Adjusted EBITDA growth: +44%
Earnings per share growth: +50%
Customer growth: +35%
Number of customers: 15.8 million
And the most interesting part?
At a price around $15, SoFi trades at a P/E of approximately 18.5× expected 2027 earnings.
That is, in my opinion, a very attractive valuation for a company that analysts expect to grow revenue by about 25% next year.
Management also expects for 2026:
💰 Adjusted revenue of $4.75–4.85 billion.
📈 Adjusted EPS of approximately $0.60.
🚀 Adjusted EBITDA of approximately $1.6 billion.
Of course, not everything is rosy.
The Galileo and Technisys technology division has problems. After losing a major client, its revenue fell 23% year over year.
But quarter over quarter it already grew by 13%.
If this division manages to restore growth and profitability, it could become another growth engine for SoFi.
One thing I like about this investment: I don't need everything to develop perfectly.
Above all, I need SoFi to continue growing earnings, maintain the quality of its loan portfolio, and gradually increase return on capital.
The stock price today reflects significantly more pessimism than a few months ago.
And I like to buy quality growing companies when the market loses interest in them.
Therefore, I plan to continue expanding my position in SoFi. Not recklessly, but gradually and with risk in mind.
🔒 For Creators members, I have prepared a more detailed analysis: management outlook to 2028, technology platform issues, competitive advantages, valuation, and specific scenarios for potential appreciation.
What do you think? Is SoFi an opportunity at these prices or the start of bigger problems? 👇
Investor without a tie 👔❌
Data as of Oct 14, 2026. This is not investment advice.
