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Price · 6M
$16.03
Thesis
SoFi is a diversified consumer fintech wrapped around a national bank charter. The franchise spans lending (student, personal, home), the SoFi Invest brokerage, SoFi Bank deposits, and Galileo's platform-as-a-service rails used by other fintechs and banks.
In November 2025 SoFi re-entered consumer crypto trading as a nationally chartered bank and launched SoFiUSD, a fully reserved dollar stablecoin issued by SoFi Bank. The combination broadens its retail-brokerage and digital-asset surface area, though the core economics still track consumer-lending credit performance and deposit growth.
Catalysts
- SoFi Crypto rollout and member attach rates
- SoFiUSD stablecoin distribution and reserve economics
- Galileo platform account growth and enterprise wins
- Lending credit performance and net interest margin trends