3 Stocks Under $50 Worth Buying in July

Building a presumption with constricted superior gets harder each twelvemonth arsenic scale leaders commercialized astatine 3 and four-figure prices. That makes sub-$50 names with existent fundamentals much valuable, not less. Three U.S.-listed stocks basal retired this month: each commercialized beneath $50, each posted double-digit gross maturation successful their latest quarters, and each transportation constructive Wall Street consensus. Two are integer banks scaling profitability, and 1 is simply a visual-search level whose AI advertisement motor is yet showing up successful the numbers.

Here is the lawsuit for each, on with the caveat that keeps them cheap.

SoFi Technologies

SoFi Technologies (NASDAQ:SOFI) traded astir $16.84 connected Friday, July 17, good disconnected its 52-week precocious of $32.73 and down 38.66% twelvemonth to date. That drawdown is precisely what makes the setup interesting. The underlying franchise is accelerating.

In Q1 2026, SoFi delivered gross of $1.10 billion, up 6.1% twelvemonth implicit twelvemonth and beating statement by 4.87%, with EPS of $0.12 successful enactment with estimates. GAAP nett income of $166.7 cardinal much than doubled twelvemonth implicit year, and indebtedness originations acceptable a grounds astatine $12.18 billion, up 68%. Members grew 35%, with 43% of caller products coming from existing members, a cross-buy awesome that astir integer challengers inactive cannot match. Deposits beryllium astatine $40.24 cardinal and present money implicit 90% of liabilities, driving outgo of funds down 48 ground points.

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CEO Anthony Noto framed the 4th this way: "We had an fantabulous Q1 delivering different 4th of durable maturation and beardown returns, fueled by our relentless absorption connected innovation and marque building." Full-year guidance calls for adjusted gross adjacent $4.655 cardinal and adjusted EPS astir $0.60. Analyst statement people sits astatine $20.58.

The caveat: the Technology Platform conception fell 27% connected a ample lawsuit departure, and idiosyncratic indebtedness charge-offs climbed to 3.03%. The banal besides carries a guardant P/E of 31, which prices successful continued execution.

Nu Holdings

Nu Holdings (NYSE:NU), the Latin American integer slope down Nubank, traded astir $13.60 connected July 17, down 20.12% twelvemonth to day but up 5.47% implicit the past month. The pullback has compressed the aggregate connected 1 of the fastest-growing banks successful the world.