SoFi's Reset Is Testing More Than Valuation [Seeking Alpha]
SoFi Technologies, Inc. (SOFI)
Company Research
Source: Seeking Alpha
Fee-based revenue reached $443M (+50% YoY), signaling a shift toward capital-light growth and reduced balance sheet dependency. Personal loan charge-offs rose modestly to 2.80%, while FICO scores remained strong at 744–749, confirming prime borrower exposure. Loan sales surged to $12.8B from $6.6B YoY, highlighting active risk transfer and strengthening balance sheet resilience. Joe Hendrickson/iStock Editorial via Getty Images Back in February, my focus was centered around SoFi Technologies' ( SOFI ) dilution and the extent to which the market no longer sees a rationale for paying the high multiple based on This article was written by Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a beneficial Long position through a purchase of the stock, or the purchase of call options or similar derivatives in SOFI over the next 72 hours. I wrote this article myself, and it expresses my own opinions.
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SOFI
News
- 1 Cash-Heavy Stock to Own for Decades and 2 We Find Risky [Yahoo! Finance]Yahoo! Finance
- Could Buying This Beaten-Down Fintech Stock Today Set You Up for Life? [Globe and Mail, The (Toronto, Canada)]Globe and Mail, The
- This Is the Main Thing to Look for When SoFi Reports Earnings on April 29, and It's Not What You Think [Yahoo! Finance]Yahoo! Finance
- This Is the Main Thing to Look for When SoFi Reports Earnings on April 29, and It's Not What You Think [Globe and Mail, The (Toronto, Canada)]Globe and Mail, The
- Better Crypto Buy Right Now: Ethereum vs. Solana [Globe and Mail, The (Toronto, Canada)]Globe and Mail, The
SOFI
Earnings
- 1/30/26 - Beat
SOFI
Sec Filings
- 4/2/26 - Form 4
- 3/27/26 - Form SCHEDULE
- 3/20/26 - Form 4
- SOFI's page on the SEC website