Can a $25,000 Investment in SoFi Stock Make You a Millionaire?

SoFi Technologies, an all-digital bank expanding into crypto, AI investing, and blockchain services, has grown revenue 41% year-over-year but remains down 29% year-to-date. While the stock could reward investors as part of a diversified portfolio, turning $25,000 into $1 million would require a 40-fold increase and a market cap near $10 trillion, which appears highly unlikely.

07/08/2026, 9:22 AM • The Motley Fool

Down 43%, Is SoFi Stock a Generational Buying Opportunity Right Now?

SoFi Technologies stock has plummeted 43% in 2026, significantly underperforming the market. The article examines whether this sharp decline presents a buying opportunity for long-term investors, considering factors like weaker-than-expected jobs data reducing interest rate hike prospects and SoFi's record loan originations.

07/07/2026, 1:17 AM • The Motley Fool

Embedded Finance Revolutionizing Point-of-Sale Credit Boosts Consumer Finance Market

The global consumer finance market is projected to expand from USD 9.87 trillion in 2025 to USD 14.08 trillion by 2031, driven by embedded finance at point-of-sale, improved open banking data, and the rise of fintechs. Unsecured non-revolving credit dominated with 52% market share in 2025, while fintechs are expected to grow fastest at 10.7% CAGR. However, rising regulatory compliance costs pose challenges, particularly for smaller lenders.

07/06/2026, 10:49 AM • GlobeNewswire

Why SoFi Stock Plummeted 32% in the First Half of 2026

SoFi Technologies stock dropped 32% in H1 2026 despite strong business fundamentals, including 41% revenue growth and record loan originations. The decline was triggered by a short-seller report from Muddy Waters alleging accounting irregularities, combined with an expensive valuation at 41x trailing earnings that makes the stock vulnerable to any negative news. While core lending and member acquisition remain robust, the underperforming Tech Platform segment and premium valuation have weighed on investor sentiment.

07/06/2026, 3:30 AM • The Motley Fool

Cathie Wood Goes Bargain Hunting: 3 Stocks She Just Bought

Cathie Wood's Ark Invest actively purchased shares in Tesla, SoFi Technologies, and Recursion Pharmaceuticals on Thursday. Tesla delivered 480,126 vehicles in Q2, exceeding analyst expectations by 74,000 units, though the stock fell 7.35% on the day. SoFi, which Ark bought every trading day this week, continues to demonstrate strong growth metrics with a Rule of 40 score of 72. Recursion Pharmaceuticals, an AI-driven drug discovery company, represents a longer-term speculative bet for Wood's portfolio.

07/05/2026, 6:03 AM • The Motley Fool

How SoFi's Bank Charter Could Pay Off for Long-Term Investors

SoFi Technologies' 2022 acquisition of Golden Pacific Bancorp to obtain a national bank charter has transformed the company's financial operations. The move dramatically reduced funding costs and enabled rapid deposit growth from $1.2 billion to $40.2 billion in four years, with deposits now representing 94% of liabilities. This has driven net interest income up 781% from 2021 to 2025, positioning the company for continued earnings growth at an expected 40% compound annual rate over the next three years.

07/05/2026, 2:30 AM • The Motley Fool

3 Growth Stocks to Buy on the Dip

The article recommends three growth stocks experiencing temporary pullbacks: SoFi Technologies (down 34% YTD despite strong financial results), Robinhood Markets (facing crypto revenue headwinds but diversifying revenue streams), and TransMedics Group (expanding internationally with rising expenses but solid business fundamentals). All three are positioned as long-term opportunities for investors comfortable with volatility.

07/02/2026, 7:15 PM • The Motley Fool

SoFi's Record Loan Originations Aren't Winning Over Wall Street. Here's the Disconnect.

SoFi Technologies achieved record loan originations of $12.2 billion in Q1 2026, up 68% year-over-year, with adjusted net revenue up 41% and membership expanding to 14.7 million. However, Wall Street remains skeptical—Truist Financial cut its price target from $20 to $17, citing concerns about Q2 revenue weakness in the technology platform segment due to a lost client. Despite the analyst downgrade, the article argues the stock's 44% decline from its peak presents a compelling entry point at a forward P/E of 29.6, given strong growth fundamentals.

07/02/2026, 9:19 AM • The Motley Fool

Cathie Wood Goes Bargain Hunting: 3 Stocks She Just Bought

Cathie Wood's Ark Invest added to positions in Amazon, SoFi Technologies, and Snowflake on Monday. Amazon is up only 3% this year despite strong AWS growth, SoFi has fallen 32% but shows strong revenue growth and profitability improvements, and Snowflake posted its strongest revenue growth since 2023 with high customer retention rates.

07/01/2026, 11:07 AM • The Motley Fool

American Express vs. SoFi Technologies: Which Financial Stock Is a Better Buy in 2026?

The article compares American Express (AXP), a premium legacy payments network with $233B market cap and 21.26 P/E ratio, against SoFi Technologies (SOFI), a rapidly growing fintech platform with $23B market cap and 41.26 P/E ratio. AXP posted $72.2B revenue (+10% YoY) with 15% net margin, while SOFI achieved $3.6B revenue (+38% YoY) with 13.4% net margin. The author recommends American Express for its proven track record, strong premium customer retention, and pricing power, while acknowledging SoFi's impressive growth but citing its relative youth and stock volatility as concerns.

06/30/2026, 9:14 AM • The Motley Fool

SoFi Has Quietly Met the Bar for S&P 500 Inclusion. Here's What Index Entry Could Do for the Stock.

SoFi Technologies was passed over in June's S&P 500 index changes but may qualify by September. With a market cap of $22.2 billion (just below the $22.7 billion threshold) and 10 consecutive quarters of positive net income, the company meets most technical requirements. S&P 500 inclusion would trigger massive purchases from tracking ETFs, potentially boosting the stock short-term and signaling long-term confidence in the company.

06/29/2026, 3:05 PM • The Motley Fool

SoFi's Latest Innovation Could Transform Its Growth Trajectory

SoFi Technologies launched SoFi Coach, an AI-powered financial assistant that allows users to link accounts and receive personalized financial insights. Despite a 31.7% stock decline in 2026, the company continues strong fundamentals with 14.7 million customers (up 35% YoY) and 41% adjusted net revenue growth. Early testing shows 70% of users took action to improve finances, with potential for cross-selling opportunities as the AI tool evolves.

06/28/2026, 2:27 PM • The Motley Fool

SoFi Stock Is Back Around $18. Has the Bull Case Finally Arrived?

SoFi Technologies stock has returned to the $18 price level, with recent Federal Reserve signals potentially strengthening the bull case for the fintech company. The article examines macro shifts and their implications for SoFi's future prospects.

06/26/2026, 11:15 AM • The Motley Fool

SoFi vs. PayPal: Two Beaten-Down Fintech Stocks. Which Is the Better Comeback Story?

SoFi and PayPal are both beaten-down fintech stocks trading significantly below recent highs, but for different reasons. SoFi shows strong 41% revenue growth and expanding cross-buy rates despite a disappointing guidance hold, while PayPal struggles with anemic growth but offers attractive valuation at under 8x earnings with significant cost-cutting potential. The author favors SoFi as the better comeback story due to strong fundamentals, though both present compelling investment opportunities.

06/23/2026, 6:17 AM • The Motley Fool

OneMain vs. Upstart: Which Consumer Loan Stock Is a Better Buy in 2026?

The article compares OneMain, a traditional branch-based nonprime lender, with Upstart, an AI-driven lending marketplace. OneMain offers steady profitability with $6.2B revenue and 12.5% net margin but faces risks from macroeconomic downturns affecting its subprime borrower base. Upstart shows explosive 59% revenue growth and returned to profitability but carries concentration risk with three partners originating 83% of loans. The author recommends Upstart for 2026 based on superior growth prospects (36% expected revenue increase vs. OneMain's 10%) and a higher-quality customer base, despite its higher valuation.

06/17/2026, 11:15 AM • The Motley Fool