SoFi Technologies has demonstrated strong growth with 38% revenue increase in 2025 and 13.7 million customers, up 161% since 2022. The company has turned profitable with adjusted net income of $227 million in 2024, growing 112% year-over-year. Management projects 30%+ annual revenue growth and 38-42% earnings per share growth through 2028. Trading 42% below its peak, the stock is positioned to benefit from crypto, AI, and fintech trends.

SoFi Technologies received a bold $30 price target from Wall Street following a 26% stock decline. Despite the recent sell-off, the fintech company continues to show strong revenue and member growth, positioning it for a potential significant rerating if market sentiment improves and earnings continue to climb.

While Nu Holdings has delivered strong returns with 60% gains last year, analyst James Brumley argues that SoFi Technologies presents a better buying opportunity at current valuations. SoFi shares have fallen 40% from their November peak due to underwhelming guidance and share dilution, but the company maintains strong fundamentals with 37% year-over-year revenue growth and analyst price targets suggesting 40% upside potential.

SoFi Technologies has launched a new 2X leveraged ETF (SOFA) through Direxion that aims to double daily returns of SoFi stock. While SoFi shows strong fundamentals with 37% revenue growth and high profitability, the leveraged ETF carries significant risks including high fees (0.97% expense ratio) and mathematical disadvantages for long-term investors due to daily compounding effects.

The article recommends two undervalued stocks with strong long-term growth potential: Cipher Mining (CIFR), which addresses AI data center capacity shortages with long-term deals from Amazon and Alphabet, and SoFi Technologies (SOFI), a high-growth fintech company expanding into crypto trading with 13.7 million members and 37% year-over-year revenue growth.

Brett Schafer recommends Nu Holdings and SoFi Technologies as top financial stocks to buy. Nu Holdings has grown to 106 million active users with 2,000% revenue growth over five years, while SoFi continues to impress with 37% revenue growth and rapidly increasing membership. Both trade at premium valuations but are expected to see declining P/E ratios as they scale.

The Motley Fool presents 10 stocks across various industries that could offer significant upside potential for long-term investors. The article discusses a mix of companies with both short- and long-term growth opportunities, with particular emphasis on technology and AI-related investments.

SoFi Technologies stock fell 17% in January 2026 following a $1.5 billion capital raise announced in December 2025 at $27.50 per share. The stock dilution created selling pressure despite the company's strong growth outlook, with Q1 2026 net income expected to increase 125% year-over-year and full-year 2026 projected at 72% growth. The stock currently trades at a PEG ratio of 1.51, suggesting modest valuation relative to growth expectations.

Nu Holdings and SoFi Technologies are identified as fintech-powered bank stocks with significant growth potential through 2030. Nu, an all-digital bank operating in Brazil, Mexico, and Colombia, recently obtained a U.S. banking charter and continues rapid expansion with over 60% market penetration in Brazil. SoFi added a record 1 million customers in Q4 2025 and is diversifying beyond lending into financial services and blockchain-based products, positioning both companies to outperform traditional bank stocks.

SoFi Technologies is recommended as a buying opportunity despite trading 34% below its peak. The fintech company reported 38% year-over-year revenue growth to $3.6 billion in 2025, added 1 million new customers to reach 13.7 million total, and is projected to see adjusted net income rise 72% in 2026. With a forward P/E of 36.2 and expected 40% compound annual earnings growth through 2028, analysts suggest the valuation is justified by strong fundamental momentum and expansion into cryptocurrency.

The global money manager budget planner market is experiencing significant growth, projected to expand from $2 billion in 2025 to $3.68 billion by 2030 at a CAGR of 12.8%. Growth is driven by digital finance adoption, smartphone penetration, cloud-based solutions, and AI-driven financial platforms. Key trends include integrated budget tracking, visual analytics, and mobile-first tools, with North America holding the largest market share.

SoFi announced monthly distributions on its Enhanced Yield ETF (THTA) with a distribution rate of 12.00% and a 30-Day SEC Yield of 3.11%. The ETF, launched in partnership with Tidal Investments LLC, combines U.S. government securities with credit spread option strategies to generate enhanced yield.