Should You Buy, Sell or Hold SOFI Stock at $16?

SoFi Technologies (NASDAQ:SOFI) screens arsenic a imaginable bargain campaigner astatine $16 for long-term, growth-oriented investors who tin tummy volatility. The banal has fallen astir 50% from its 2025 peak, driven by a contested short-seller study and wide marketplace rotation, yet the underlying concern compounds astatine a complaint the existent terms nary longer reflects.

SoFi operates a one-stop integer fiscal services level offering banking, lending, investing, and fiscal readying done a azygous app. It holds a nationalist slope charter, providing deposit backing entree and regulatory lasting axenic fintechs lack. The institution operates 3 segments: Lending, Financial Services, and Technology Platform (Galileo), which powers 128.5 cardinal planetary accounts for third-party clients. After years of losses, SoFi has delivered 9 consecutive profitable quarters.

The banal entered 2026 astatine $26.18 and has fallen 38% year-to-date, closing astatine $16.22 arsenic of the astir caller session. The diminution accelerated aft Muddy Waters published a abbreviated study successful mid-March alleging accounting irregularities.

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Q4 2025 net were exceptional. SoFi posted adjusted EPS of $0.13 against a $0.11 estimate, beating estimates, portion gross crossed $1 cardinal successful a azygous 4th for the archetypal time. Financial Services gross grew 78% year-over-year and publication nett doubled. Full-year 2025 gross reached $3.613 billion, up 38% year-over-year. Fee-based gross deed a grounds $443 cardinal successful Q4, up 53% year-over-year, reducing reliance connected rate-sensitive nett involvement income.

Forward maturation is compelling astatine this price. Management guided for astir $4.655 cardinal successful adjusted nett gross for 2026, implying astir 30% growth, alongside adjusted EPS of astir $0.60. The medium-term model calls for adjusted EPS compounded yearly maturation of 38% to 42% done 2028. At $16, the banal trades astatine astir 27x guardant earnings, a steep discount to the trailing aggregate and tenable for a profitable fintech increasing EPS astatine that rate. CEO Anthony Noto purchased 544,748 shares of communal banal successful March 2026, including a nonstop marketplace acquisition astatine $17.32 per stock during highest selling pressure.