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(OSCR) has been updated as the valuation appears balancedExplanation: Gerhard Erasmus-Rod Tucker’s dead ball controversy in India vs Namibia 2026 T20 World CupAnthony Kim’s ‘box office’ chip for birdie at Adelaide LIV Golf Club‘The Last Sacrifice’ Examines the (Possibly?) Occult Crime That Inspired ‘The Wicker Man’New CIA recruiting video targets Chinese military personnel spy newsClient ChallengeThe withdrawal of gold considered a buying opportunity; ANZ forecasts $5,800/oz in Q2 2026Premier League Darts League: Is Gwen Price back to her best after victory in Antwerp? “There’s no way I wouldn’t choose a major” | Darts NewsThe hacker linked to Epstein was removed from the Black Hat cyber conference websiteNetanyahu asks court to strip Palestinians of Israeli citizenship after terrorism convictionsElections in Bangladesh raise expectations of a new political eraNomura lowers April India rate-cut call on stronger inflation, RBI ‘stealth easing’BofA remains bullish on McKesson (MCK) after strong third-quarter performanceWill India vs Pakistan match be cancelled? Sri Lanka issues official weather warningAristocrat announced the acquisition of Gaming Analytics, IncCarrick could end Mbemo experiment by unleashing Manchester United’s ‘Reborn Foden’How China’s ‘unruly’ speculators may be fueling gold market frenzyClient ChallengeRadian Group CFO Sumita Pandit steps down; Daniel Kobell was named interim CFOSA-W vs PAK-W, 2nd T20I Match Prediction: Who will win today’s South Africa vs Pakistan match?Mina the Hollower returns in a spring 2026 release windowWhat is the Save America Act that would force voters to provide ID?Milan-Cortina Olympic Games: Frenchman Miradoli won silver in the Super GuAnalysis-Sanofi’s new CEO must fix the drug pipeline and navigate Trump‘We have not received any official communication’: HAL on joint manufacturing of Rafael aircraft with DassaultExcelsior vs AZ Alkmaar Predictions and Betting TipsToday’s NYT Strands Hints, Answers and Help for Feb. 13 #712Jahi Tucker withdraws from Yoenli Hernández boxing talksIsrael Denies Palestinians Right to Proper Education by Withholding Income Israel-Palestine ConflictClient ChallengeFlowco (FLOC) signs agreement to acquire Valiant Artificial LiftHull FC winger Lewis Martin says missing out on Premier League play-offs again would be a ‘failure’ Rugby League newsJailbreak ChatGPT researchers to find out which state has the laziest peopleUSS Ford aircraft carrier ordered to Middle East amid rising tensions with Iran, officials sayLive: Rubio says he will have a chance to meet Ukrainian Zelensky at the Munich Security ForumThe workday lost $40 billion in value. A founder is back with a $139 million bet that he can turn it aroundGlobal maritime industry sticks with green investments, despite carbon price lag – reportPakistani-born US star challenges Jai Shah’s ICC, demands higher paySpurs make ‘world’s best young coach’ their top targetAnthropic raises another $30B in Series G, with new valuation of $380BArtificial Intelligence is catching up in more areas, and its pace isn’t slowing downAsian shares retreat from record as tech jitters return, bonds rallyHAL refutes report on acquisition of 114 Rafales, says it has not received any official communicationT20 World Cup 2026: Here’s why Brendan Taylor, Cooper Connolly and Richard Ngarava are out of today’s AUS vs ZIM matchAlejandro Davidovich Fokina vs Denis Shapovalov preview, head-to-head, predictions, odds and betting tipsFormer unregistered NDIS director faces 15 years in prison for alleged $858k misappropriationWho were the victims of the Tableboul Ridge shooting in Canada?Japan seizes Chinese fishing boat; Movement is likely to increase tensionsClient ChallengeAccess to this page has been denied.Crawford Fighter of the Year Confirms Final ExitHighlights: Norris and Russell nearly hit a few red flags on day two in BahrainThe first Control Resonant gameplay trailer shows Dylan defying physics in one sided NYCGoldman Sachs senior lawyer Kathy Rumler resigns over ties to Epstein Business & Economics NewsAFRICA: Wined Up – Continent uncorked.Private bank Deutsche Bank is looking to hire to push into new marketsAndersons declares a dividend of $0.20Indian cricketers drop charges against Usman Tariq ahead of Pakistan match‘Is he okay?’ – Fans lost it when LeBron James activated ‘creepy’ mode with wild dance moves before Mavericks gameToday’s NYT Mini Crossword Answers for Feb. 13Louisiana authorities arrest more than 700 people in drug bustClient ChallengeCantor Fitzgerald sees Iren (IREN) dip after hours as buying opportunity amid AI pivotNED vs USA, T20 World Cup 2026 Match Prediction: Who will win today’s match between Netherlands and USA?Max Verstappen: Lando Norris refutes rivals’ views, Red Bull driver ‘proactive’ despite concerns over new F1 car F1 NewsWaymo Announces Next Generation RobotaxisAhead of Macron’s visit, India approves purchase of Rafale fighter jets in $40 billion defense programFierce rivalry and marital bliss: two women battle it out in a terrifying Olympic sportHua Hong shares rise after solid Q4 earnings; Chinese AI buzz lifts the moodAlkane Resources non-GAAP EPS of A$0.05, revenue of A$256.72 million; expects to meet FY2026 guidanceThe Fight Over US Climate Rules Is Just BeginningONE Fight Night 40: ‘It worked great’Taylor Swift asks US government to block ‘Swift Home’ trademarkIndian farmers are protesting a trade deal with the USUS court blocks expansion of merger disclosure ruleHas the SoFi stock sale created a long-awaited buying opportunity?Waymo asks DoorDash drivers to close the doors of self-driving cars
Shares of SoFi Technologies ( SOFI ) have seen significant selling pressure despite the financial technology company delivering strong quarterly results. It has fallen 22% over the past month and is now trading nearly 35% below its 52-week high.
Much of the recent weakness in SoFi stock appears to be driven by sentiment. After a strong rally in early 2025, valuation concerns emerged, causing some investors to take profits. At the same time, concerns about potential dilution tied to recent capital raises and macro uncertainty weighed on shares. Together, these factors have overshadowed a period of significant operational progress for the company.
However, for long-term investors, this sharp correction in SoFi stock may be exactly the opportunity they’ve been waiting for. SoFi’s core businesses continue to perform well, and the company remains well-positioned to maintain solid growth momentum through 2026.
www.barchart.com
Investors worry that SoFi’s recent capital raises could dilute shareholder value. However, these concerns seem overblown.
SoFi recently stated that the capital it raised brought real value to the business. Its tangible book value (TBV) has grown to $8.9 billion in Q4 2025 from $3.3 billion at the end of Q1 2023. Per share, TBV increased to $7.01 from $3.49 during the same period.
The company also used the money it raised to reduce financing costs. A large portion was used to pay down expensive debt, which immediately reduced interest costs. The rest was invested in income generating assets. By the end of 2025, SoFi had completely exited high-cost financing tied to personal and student loans, leaving the company with a cheaper financing structure.
Financially, this change is important. Lower interest expense and higher interest income are expected to drive net interest income. These earnings can help offset dilution from the issuance of new shares and could even increase earnings per share.
Overall, SoFi’s recent capital raises create financial flexibility, support growth and improve profitability. With a stronger balance sheet and more options to invest and expand, management believes the company is better positioned to generate long-term shareholder value.
Despite investor concerns, SoFi is well positioned to deliver strong growth in 2026. The company’s biggest strength is its rapidly growing customer base. In the most recent quarter, SoFi added more than one million new members, bringing its total membership to 13.7 million. This is a 35% increase from a year ago and shows the growing adoption of SoFi’s all-in-one platform, which combines banking, investment, lending and technology services.
Growth doesn’t just come from new customers. Total products reached 20.2 million, up 37% year-on-year (YOY), and around 40% of new products were used by existing users. This means customers are using more SoFi services over time, helping to increase revenue without sharply increasing customer acquisition costs.
SoFi is also shifting to more fee-based businesses, which tend to be more scalable and profitable, thereby reducing its reliance on loans. Its financial services and technology platform segments grew revenue 61% year over year in the fourth quarter. Fee-based income rose 50% and now stands at nearly $1.8 billion annually, which should make earnings more stable.
At the same time, loans remain healthy. Loan income increased 15%, driven by higher interest margin. In addition, deposits increased to $37.5 billion, reducing funding costs and profitability continues to improve. Taken together, these trends support a positive investment outlook for SoFi.
Despite the recent selloff, analysts are maintaining a consensus “Hold” rating on SoFi stock. However, the fundamentals remain strong. SoFi’s growing membership and product base, strength in fee-based earnings, continued momentum in the lending segment, and increasing low-cost deposit base bode well for growth in 2026. Additionally, the recent decline in SoFi’s share price has eased earlier valuation concerns and provides an attractive entry point.
www.barchart.com
www.barchart.com
As of the date of publication, Amit Singh had no positions (either directly or indirectly) in any of the securities mentioned in this article. All information and data in this article is for informational purposes only. This article was originally published on Barchart.com
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