Don’t Ignore SoFi Stock: The Big Upside That You’re Missing (My SoFi Stock Plan)
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Paul Thomas InvestingIndependent analyst profile- Source published
- 01 Nov 2026, 21:12 UTC
- Recorded by Tahlil Plus
- 02 Nov 2026, 01:06 UTC
AI-generated source summary
The video focuses on SoFi Technologies Inc. (SOFI) primarily through a fundamental analysis lens, discussing its Q3 2026 earnings expectations and historical performance. The speaker presented their own predictions for Members (16.8M vs. 15.8M Q2 2026), Products (26.5M vs. 24.4M Q2 2026), Revenue ($1.30B vs. $1.27B Wall Street), and EPS ($0.17 - $0.18 vs. $0.17 Wall Street). The analysis highlights SoFi's growth in brand awareness (2.6x increase), members (CAGR 37%), products (CAGR 38%), and products per member (reaching 1.56 in Q3 2026). The Rule of 40 has been consistently exceeded for five years, with an average score of 61%. The company also reported 12 consecutive profitable quarters, with Q3 2026 adjusted net revenue of $1.4B, net income of $241M, and raised full-year guidance. The financial services productivity loop (FSPL) is identified as a sustainable competitive advantage, driving cross-buy rates of 51% in Q3 2026. Despite a challenging interest rate environment, SoFi's diversified business model and focus on organic capital generation are projected to fund future growth without dilution. The company's guidance for FY2026 suggests a revenue of $5.04B and for FY2027, $6.60B, with an expected negative net income in both years but a significant improvement in Adjusted EBITDA margins. The analysis concludes that SoFi is potentially undervalued given its strong fundamentals and growth prospects.
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Paul Thomas Investing
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