The analysis covers SoFi's Q4 and FY 2025 summary results, focusing on growth, revenue, profitability, and key financial metrics. The company showed strong performance in its lending and tech platforms, with member and product growth exceeding expectations. Projections for 2026 indicate continued growth in net revenue and adjusted EBITDA, supported by a stable net interest margin and a member-driven funding base. The current P/E multiple is 30, with an expected P/E multiple of 20 in 5 years. Analysts are targeting a price of $27.97, suggesting a potential upside of 14.84% from the current price of $24.36. The stock is considered undervalued at these levels, with a conservative growth projection and a manageable margin of safety. The company is expected to continue its growth trajectory through leveraging its technology platform capabilities and maintaining strong client relationships.