Is SoFi Technologies, Inc. (SOFI) A Good Stock To Buy Now?

Is SOFI a bully banal to buy? We came across a bullish thesis connected SoFi Technologies, Inc. connected William’s Substack by William Fleming-Daniels. In this article, we volition summarize the bulls’ thesis connected SOFI. SoFi Technologies, Inc.'s stock was trading astatine $17.37 arsenic of March 17th. SOFI’s trailing and guardant P/E were 45.21 and 29.85  respectively according to Yahoo Finance.

SoFi Technologies, Inc. provides assorted fiscal services successful the United States, Latin America, Canada, and Hong Kong. SOFI has transitioned from a speculative fintech disruptor into a profitable, scaled fiscal platform, entering 2026 astatine a cardinal inflection point. With 8 consecutive quarters of GAAP profitability, a diversified gross mix, and a strengthened equilibrium expanse pursuing a $1.5 cardinal equity raise, the institution has validated its long-debated “compounder” thesis.

Read More: 15 AI Stocks That Are Quietly Making Investors Rich

Read More: Undervalued AI Stock Poised For Massive Gains: 10000% Upside Potential

Membership has surpassed 12.6 million, portion beardown FY2025 performance, including 38% gross maturation and 49% EBITDA enlargement successful Q3, highlights accelerating operating leverage. Crucially, implicit fractional of gross present comes from fee-based Financial Services and Technology Platform segments, reducing reliance connected capital-intensive lending and supporting a structural re-rating toward a hybrid fintech and bundle valuation.

The macro backdrop has besides turned favorable, with a “Goldilocks” complaint situation supporting some nett involvement income and indebtedness refinancing activity, portion resilient recognition show underscores the spot of SoFi’s premier borrower base. At the halfway of its exemplary is the Financial Services Productivity Loop, which drives businesslike cross-selling and lawsuit retention, evidenced by 40% of caller products being adopted by existing users, importantly lowering acquisition costs and boosting beingness value.

Strategically, SoFi continues to displacement toward a capital-light exemplary done its Loan Platform Business, portion its Technology Platform is poised for re-acceleration driven by endeavor adoption. Meanwhile, Financial Services remains a high-growth engine benefiting from beardown operating leverage. The caller superior rise provides flexibility for M&A and equilibrium expanse optimization, reinforcing semipermanent maturation ambitions.

Despite risks astir recognition cycles, execution, and valuation, SoFi’s net trajectory, expanding margins, and ecosystem advantages presumption it for continued re-rating, with a credible way toward $32–$36 successful the adjacent 12 months and sustained semipermanent compounding potential.