Why analysts are watching it
Analysts are keeping a close watch on SoFi as sentiment swings between bullish enthusiasm and concerns about recent stock performance. On May 18, 2026, Couch Investor mentioned in his video "The Stocks Billionaire Investors Are Quietly Buying" that SoFi appeared in two billionaire portfolios. Other creators like Stealth Wealth Investing on May 17, 2026, in "Stocks NOBODY Wants....But Are the NEXT BIG Winners," highlighted SoFi as a potentially divisive stock, with many believing in its future success despite current market disfavor. Jeremy Lefebvre (Financial Education), in his May 5, 2026 video "4 Stocks to Buy Now‼️ May 2026," characterized SoFi as a potential banking giant and gave its recent earnings an "A+ income statement" grade. However, Couch Investor, on May 13, 2026, in "SoFi Is Getting Crushed Again. Here's the Truth," noted the stock had a difficult year, dropping significantly year-to-date, though he emphasized the underlying business was growing well. Risk: Despite strong business growth, the stock has experienced significant year-to-date declines, indicating potential volatility.
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"Everyone wanted to buy over 30. Now we're, you know, right around 15 bucks or so, and folks think it's dead money and are scared to buy because it might go lower."
— DISASTER for SOFI Stock?
"Your investment is a lot riskier at 30 as opposed to buying SoFi at four, for example."
— DISASTER for SOFI Stock?
"So, we just had SoFi's earnings and it would appear that Wall Street just hates the stock"
— DISASTER for SOFI Stock?
"Notto then went on to talk about SoFi USD. He said that he hopes that Sofa USD becomes worth several billions of dollars in volume over time while generating 1 to 2% of net interest income."
— The SoFi Bears Are Wrong. Here's the Proof
"year-to-date a Microsoft is down. A Meta is down. SoFi is down. Financials are down."
— The Stocks Everyone Was Panicking About Just Bounced. Here's What's Next
"And yes, eventually we are going to get rate cuts and it's going to help a business like SoFi."
— The SoFi Bears Are Wrong. Here's the Proof
"And to [821s] me, that's the most important part. [823s] Whether it's SoFi or something else, the [826s] stock is saying one thing in the short [827s] term, the business. If the business [830s] continues to do well, that's fine with [832s] me."
— SoFi Is Getting Crushed Again. Here's the Truth
"And remember, if you want to learn those fundamentals, learn how to identify opportunities really, really early like we did with SoFi way back when it was at four bucks and Palantir at six bucks and a whole lot of other stocks like that."
— Buying the NEXT Palantir NOW!!
"Everybody always says, oh, how did you get SoFi down in the forest?"
— DISASTER for SOFI Stock?
"So, definitely don't try to trade in and out of SoFi stock."
— DISASTER for SOFI Stock?
"Now, next up, number two is SoFi. This one may be the most divisive one on the list there because, you know, folks either think it's, you know, going to be what we all believe it's going to be later on."
— Stocks NOBODY Wants....But Are the NEXT BIG Winners
"Robinhood and SoFi. So those are the six stocks I'm going to be going over today."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"So, the first thing that will cause you to lose with SoFi stock is to believe a stock is dead money because it goes nowhere for a year or two, okay?"
— DISASTER for SOFI Stock?
"This is why names in the [120s] financials, fintech, have been getting [122s] hit because the message here is quite [124s] clear."
— SoFi Is Getting Crushed Again. Here's the Truth
"SoFi, the final one I'm [826s] going to go through."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"even the high FICO members that SoFi have, uh they will feel the high energy prices eventually."
— NU & DLOCAL EARNINGS REPORT/CALL REVIEW
"I mean, heck, even SoFi last year could be had in the $9 range because Noto was a bad CEO, and even despite its recent struggles after earnings, uh no fault of the earnings there, just hey, fintech just is getting beaten up overall, you were still up big on those buys."
— Everyone SOLD, I BOUGHT & Made a Fortune. Now I’m BUYING These Stocks that Everyone is SELLING
"There's another way to win with SoFi stock or any stock for that matter is understanding when you're getting a dream scenario."
— DISASTER for SOFI Stock?
"SoFi Technologies, what can SoFi do? I mean, the numbers are incredible. The growth is incredible. The amount of members are attracting. It's clear SoFi is going to become a like a financial giant in the banking related industry over this next decade, right?"
— This Stock is the Next AMD or Micron‼️
"So what's the worst [3s] case scenario for SoFi? As you can [5s] clearly see, it has not been a great [7s] year for the stock. The business, yes, [10s] the stock not at all down 44.1% [15s] year to date."
— SoFi Is Getting Crushed Again. Here's the Truth
"LPB gives SoFi capital light fee revenue while preserving flexibility to keep enough loans on balance sheet to support net interest income visibility through 2027."
— The SoFi Bears Are Wrong. Here's the Proof
"year-to-date a Microsoft is down. A Meta is down. SoFi is down."
— The Stocks Everyone Was Panicking About Just Bounced. Here's What's Next
"SoFi Technologies, what can SoFi do? I mean, the numbers are incredible. The growth is incredible. The amount of members are attracting."
— This Stock is the Next AMD or Micron‼️
"impacting names like SoFi, Robin Hood, etc., etc."
— These Are the Stocks I'd Buy If They Drop Further
"is only digging into SoFi for 3 months and so the questions were a bit yeah general questions but we did get some useful info from Anthony Noto."
— The SoFi Bears Are Wrong. Here's the Proof
"The other one also a hated name. It's SoFi."
— 4 Stocks I'm Buying in May Here's Why
"SoFi got blowfied today, uh down over 15%."
— This Stock will be my Next Palantir‼️
"So, definitely don't try to trade in and out of SoFi stock."
— DISASTER for SOFI Stock?
"So, it's time for SoFi's earnings call, and man am I excited for the call because is this going to be the catalyst to send the stock back to the moon once again"
— DON’T SAY I DIDN’T TELL YOU | SOFI Earnings Preview April 2026
"With the way SoFi is growing this business, you can see how they can get there over the next 5 to 10 years. You can see how it's going to be like, dang, I could see SoFi actually getting to tens of millions of customers, 30 million, 50 million, 70 million customers over the next 5 to 10 years."
— 4 Stocks to Buy Now‼️ May 2026
"So, I don't think getting a Palantir-style run like that is where it's going to be. But, can SoFi have a great run, you know, like a 5x or something like that? Is that a possibility?"
— Buying the NEXT Palantir NOW!!
"Revolve, SoFi, Celsius, Service Now. These stocks were up pretty nicely. Revolve was up $2,000. SoFi up $3,500."
— 6 stocks YOU MUST BUY NOW‼️or regret it forever…
"Do I need it to go to a,000 to $1,500 or whatever? No. Can I take profits? Definitely. Will I be sad if I miss some more upside here? Probably not. Did quite well with that position. I think there are some other names out here where I don't have to think about are reaching the top, are we not reaching the top? Some people would like to catch every top possible that's completely fine. The way I manage it is is a bit different has been working and so right now I think it's for me personally time t"
— I'm Thinking About Taking Some Profits. Here's Why.
"SoFi has been easy money the past 3 years for the prudent, disciplined investor who did their due diligence, understood valuation, and had a plan, guys. That's all that you had to do, and SoFi has been easy money in the end."
— DON’T SAY I DIDN’T TELL YOU | SOFI Earnings Preview April 2026
"some of these businesses, a SoFi, a [201s] Robinhood, they are also making more and [203s] more money"
— The Biggest Opportunity Hiding in the Most Hated Stocks Right Now
"SoFi has been moving really, really slow cuz it's in consolidation."
— If You Missed MU or AMD. This is Even Bigger (Get Ready)
"If the macro is not in a good place, you are so far. Yes, lending is a bit part of the business. You're not getting any love at the moment"
— The SoFi Bears Are Wrong. Here's the Proof
"Unless SoFi goes the opposite direction of their past, I don't know, 18, 19, 20 earnings calls or so, they will once again beat and possibly raise guidance. And if Wall Street decides to beat it down anyways despite that incredible performance, we could be looking at a stupid undervalued situation immediately for SoFi."
— DON’T SAY I DIDN’T TELL YOU | SOFI Earnings Preview April 2026
"We're going to talk about a lot of truth in regard to SoFi stock cuz I know it's a hard time out there."
— DISASTER for SOFI Stock?
"Right now, SoFi, given the spot it's in and everything else, is firmly trader controlled, and this is what traders do."
— DISASTER for SOFI Stock?
"I would say that price does uh drive a sentiment. If SoFi were closer to $25, $30 today, the exact same business, I I assume a lot of the people that are angry right now would be extremely bullish on SoFi despite the business being exactly the same."
— The SoFi Bears Are Wrong. Here's the Proof
"in names like [469s] SoFi,"
— The Biggest Opportunity Hiding in the Most Hated Stocks Right Now
"Don't fall for hype narratives when the stock is at all-time highs. That is a guaranteed way to lose as an investor, especially with SoFi stock, or like times like right now, follow the bear narratives when the stock is beat down, okay?"
— DISASTER for SOFI Stock?
"Everyone wanted to buy over 30. Now we're, you know, right around 15 bucks or so, and folks think it's dead money and are scared to buy because it might go lower."
— DISASTER for SOFI Stock?
"Your investment is a lot riskier at 30 as opposed to buying SoFi at four, for example."
— DISASTER for SOFI Stock?
"And also keep in mind, SoFi stock, whether we like it or not, whether you want to admit it or not, was way overvalued just 3 months ago, okay?"
— DISASTER for SOFI Stock?
"I personally have bought SoFi over 100 times. Actually, I'm approaching 200 buys at this stage, with the vast majority of those buys being under $10 per share."
— DON’T SAY I DIDN’T TELL YOU | SOFI Earnings Preview April 2026
"And so yeah, nothing [480s] really here is showing me that so far [483s] should be down close to 50% year to [485s] date."
— SoFi Is Getting Crushed Again. Here's the Truth
"like y'all doing with um what what's taking all day? SoFi or Lyft."
— 🚀The UNTHINKABLE is about to happen to Stocks (Get Ready)
"He did say that 85% of SoFi products are now non- lending products even though lending still drives the highest revenue per product and supports the best unit economics across the ecosystem as we're going to see the non- lending side of the business take over more and more. I I do think that the market will start to put maybe a bigger multiple on a name like SoFi."
— The SoFi Bears Are Wrong. Here's the Proof
"Disregard the fact that this is a fintech name that this has a bank. Right? Because I know some people will already say, "Oh, banks don't deserve such a high premium." Banks don't grow 41% revenue year-over-year or EPS 100% either. you're getting a higher premium because you're just growing faster. Now, now we know that the guidance that they gave us for this year does not include any rate cuts and still it's the same guidance that they gave us 3 months ago. I view this as a positive thing. Now,"
— These Are the Stocks I'd Buy If They Drop Further
"SoFi got blowfied today, uh down over 15%."
— This Stock will be my Next Palantir‼️
"I'll just keep Nebus and then this money will go through maybe a Sofi or or something else."
— I'm Thinking About Taking Some Profits. Here's Why.
"to add yes to more for me to more SoFi to more meta to more DLO Robin Hood even Netflix and maybe new"
— These Are the Stocks I'd Buy If They Drop Further
"Now, buy zones for SoFi. Under $15 is a great buy zone for SoFi. By the way, under $10 is a steal deal. So like back when I was buying the stock in the sixes, steal deal, but don't expect it to go back there, right? But if you get it under 15, it's a great buy zone. 15 to $20, very good buy zone for this company."
— 4 Stocks to Buy Now‼️ May 2026
"SoFi is on their way to becoming a banking giant long-term, right? They've already gotten to kind of a critical scale, but they've got a long way to go. And regarding this, like think about this. SoFi is a $20 billion market cap here today."
— 4 Stocks to Buy Now‼️ May 2026
"There's another way to win with SoFi stock or any stock for that matter is understanding when you're getting a dream scenario."
— DISASTER for SOFI Stock?
"But if you've been invested in SoFi from below $10, then we've seen worse, right?"
— The SoFi Bears Are Wrong. Here's the Proof
"Mobileye, Uber, Duolingo, Outlet, Robin Hood, and SoFi."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"macro is attached to a name like SoFi. They can grow 40%. But the market doesn't give a damn."
— The SoFi Bears Are Wrong. Here's the Proof
"Now, this right here is part of the big bull case for SoFi. If these can grow and outpace lending, we will absolutely get more of a fintech type of multiple."
— DON’T SAY I DIDN’T TELL YOU | SOFI Earnings Preview April 2026
"Robin Hood, SoFi. These are names that over a specific time they were trading at well SoFi single digits."
— These Are the Stocks I'd Buy If They Drop Further
"No, because probably I'm taking that money and I'm putting it to maybe Meta, maybe SoFi, maybe some other name out there."
— The Stocks Everyone Was Panicking About Just Bounced. Here's What's Next
"Mobileye, Uber, Duolingo, Owlet, [22s] Robinhood and SoFi."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"So, the next one is understand banking on a high level in regards to SoFi."
— DISASTER for SOFI Stock?
"So, we just had SoFi's earnings and it would appear that Wall Street just hates the stock no matter what they do, but are there some big problems starting to show as well with SoFi the company?"
— DISASTER for SOFI Stock?
"Now, earnings were good, but not excellent like past earnings calls and pretty much like we are used to with SoFi stock."
— DISASTER for SOFI Stock?
"That's one of the things you got to keep in mind here is that's what your kind of growth you're getting from SoFi, which is amazing, but that is also part of the way those type stocks are treated in hypy markets."
— DISASTER for SOFI Stock?
"We're going to talk about a lot of truth in regard to SoFi stock cuz I know it's a hard time out there. I know you guys are just uh feeling maybe a little bit down right now in regards to your SoFi investment."
— DISASTER for SOFI Stock?
"I wouldn't call them excellent this time around, but they were good."
— DISASTER for SOFI Stock?
"I'll give you the truth on how you can lose big time with SoFi stock, and I'll give you the truth about how to win with SoFi stock."
— DISASTER for SOFI Stock?
"And I'll give you the truth about how to win with SoFi stock."
— DISASTER for SOFI Stock?
"Now, earnings were good, but not excellent like past earnings calls and pretty much like we are used to with SoFi stock."
— DISASTER for SOFI Stock?
"He's made over like 3,000 transactions over the last I don't know if it was quarterly or whatever. Um obviously it's his family office, not personally him, but um people found that in his transactions that he is currently a holder of SoFi Technologies. So very funny. Interesting. Yeah. And the market I think actually celebrated that the stock is up today. Uh up 4.6%."
— NU & DLOCAL EARNINGS REPORT/CALL REVIEW
"Even at $16, this is still a huge buy in my personal opinion, okay? Now, when it comes to SoFi, their earnings just came out very recently. I graded them an A+ income statement."
— 4 Stocks to Buy Now‼️ May 2026
"And you got to keep in mind with SoFi, the stock is and it will be for some time here trader controlled."
— DISASTER for SOFI Stock?
"SoFi has been moving really, really slow cuz it's in consolidation."
— If You Missed MU or AMD. This is Even Bigger (Get Ready)
"And also keep in mind, SoFi stock, whether we like it or not, whether you want to admit it or not, was way overvalued just 3 months ago, okay?"
— DISASTER for SOFI Stock?
"when I'm looking at SoFi's earnings, they weren't terrible by any stretch."
— DISASTER for SOFI Stock?
"And again, it looks like SoFi is in that same exact scenario. So, when all the retails out and they're saying all those type things, that's exactly what happened to Palantir and now I'm hearing it over here with SoFi and that obviously, when I kind of combine all these together, it makes me think like we are sitting in a Palantir style situation in regards to this stock."
— Buying the NEXT Palantir NOW!!
"Now, yes, I am feeling the same feeling that we've seen when the stock was trading around 56 $7 for a long long time despite the business becoming better and better. I do think that today the business is way way healthier than where it was at five $67 or so."
— The SoFi Bears Are Wrong. Here's the Proof
"Number one of these four stocks is Sofi Technologies, S O F I on this one. This is a $16 stock here today."
— 4 Stocks to Buy Now‼️ May 2026
"despite the business [203s] doing quite well right this is despite [206s] SoFi growing 41% year-over-year adjusted [209s] net revenue adjusted EIDA up 62% loan [212s] origin inations at a record $ 122.2 [214s] billion. Member growth up 35%. Product [217s] growth up 39%."
— SoFi Is Getting Crushed Again. Here's the Truth
"And you got to keep in mind with SoFi, the stock is and it will be for some time here trader controlled."
— DISASTER for SOFI Stock?
"As for SoFi, [1115s] believe it or not, SoFi does pop up in [1118s] two portfolios here"
— The Stocks Billionaire Investors Are Quietly Buying
"You can't try to force uh Lyft or SoFi to join the party and they're not AI stocks, okay?"
— If You Missed MU or AMD. This is Even Bigger (Get Ready)
"The real question is, what sort of run can SoFi have, okay? A Palantir style run is rare as it pumped way beyond fair value, which, guys, I said it at the time. Yes, I loved seeing the, you know, giant numbers there from Palantir. I knew I made fortunes upon fortunes on that stock given how many shares that I owned, but I knew it wasn't good as an investor. And guess what? I was also called a bear and everything else about Palantir, even though I wasn't a bear."
— Buying the NEXT Palantir NOW!!
"Everything with SoFi looks great. I'm a very happy shareholder overall."
— DISASTER for SOFI Stock?
"SoFi stock is not going up. Okay. Interesting. I'll show you what has happened when sales and marketing expenses."
— The SoFi Bears Are Wrong. Here's the Proof
"He's going to benefit quite a lot if SoFi tomorrow is $25, $35 or so. And he's been buying shares himself."
— The SoFi Bears Are Wrong. Here's the Proof
"Sofi's model [265s] assume 7 to 8% losses which means it's [270s] two times better right now. So we're [274s] still in a very good place even with [277s] interest rates staying at the level that [279s] it's at right now."
— SoFi Is Getting Crushed Again. Here's the Truth
"It wasn't excellent either. It wasn't blow out of the water earnings this time around either, and you're going to see downward pressure after that when we're in this type of market where just that seems to be where Wall Street wants to go, right?"
— DISASTER for SOFI Stock?
"Everything with SoFi looks great. I'm a very happy shareholder overall. And of course, I'm very happy to be able to add even more bonus shares to this stock cuz I know I'll make even more money over the long run."
— DISASTER for SOFI Stock?
"I'll also give you the truth about why the stock price is going down."
— DISASTER for SOFI Stock?
"you can't try to force uh Lyft or SoFi to join the party and they're not AI stocks, okay?"
— If You Missed MU or AMD. This is Even Bigger (Get Ready)
"I'll give you the truth on how you can lose big time with SoFi stock"
— DISASTER for SOFI Stock?
"So, the first thing that will cause you to lose with SoFi stock is to believe a stock is dead money because it goes nowhere for a year or two, okay?"
— DISASTER for SOFI Stock?
"It didn't matter what they did, people were going to doubt, but you had a management team, if you're paying attention to those fundamentals, executing on a very, very high level. So, next up, the stock price being down for years now. Now, this one, again, follows that Palantir piece very, very, very easily. Palantir was basically traded somewhere in between $6 and $20 for three straight years. That's right, guys, three straight years. People tend to forget that. You had three straight years of b"
— Buying the NEXT Palantir NOW!!
"And unfortunately, right now, we are in the midst of that bust type of cycle, which leads us perfectly into the next point, which is how to lose with SoFi stock."
— DISASTER for SOFI Stock?
"Once we do get some rate cuts, yes, it's of course going to help a business like SoFi."
— The SoFi Bears Are Wrong. Here's the Proof
"kind of what companies do in the United States like kind of you could say SoFi and now Robinhood is doing it where another bank is taking a credit risk."
— Mercado Libre Stock Is Crashing! Here's why:
"They must be pulling up AMC's earnings or something. Uh, you know, instead of SoFi's earnings and confusing their charts."
— Stocks NOBODY Wants....But Are the NEXT BIG Winners
"So, if you're asking me, I think a 5x in 5 years is a reasonable assumption to make. Doesn't mean that they will get there. They have to execute year in and year out. Now, do I trust this management team to do that? Absolutely."
— Buying the NEXT Palantir NOW!!
"I think everything is going quite well at SoFi. But yeah, patience is required because right now if it's not memory, semiconductors, AI data center, things like that, well, you're not participating in this bull run."
— The SoFi Bears Are Wrong. Here's the Proof
"So, what stocks do I see as easy money? Well, we just discussed SoFi recently, discussed it too much, so I'm not going to rehash it here again. You can You can catch any of my previous two three videos on SoFi there if you want me to talk about why I believe that stock is an easy money stock, okay?"
— Everyone SOLD, I BOUGHT & Made a Fortune. Now I’m BUYING These Stocks that Everyone is SELLING
"Now, the next way to win with SoFi is to listen to the earnings call and not review videos."
— DISASTER for SOFI Stock?
"The other thing is like SoFi, they're a digital-first company."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"Don't fall for hype narratives when the stock is at all-time highs. That is a guaranteed way to lose as an investor, especially with SoFi stock"
— DISASTER for SOFI Stock?
"we then have Robin Hood again fintech names financials have been taking a hit more and more over the past couple of months I mean Robin Hood and so IR down around 50% or so year to date."
— I'm Thinking About Taking Some Profits. Here's Why.
"Everybody always says, oh, how did you get SoFi down in the forest? Because I executed whenever I got that dream scenario back then."
— DISASTER for SOFI Stock?
"Then we have SoFi, the underperforming one."
— I'm Thinking About Taking Some Profits. Here's Why.
"So down quite a lot I think also 50% year to date."
— These Are the Stocks I'd Buy If They Drop Further
"Same exact thing right now with SoFi. That number gets larger and larger and larger. More and more people are thinking that and talking about, well, if I would put my money over here, I would have made more money. If I would have done this over there. Yeah, hindsight always wins, guys. We all can play that game all day long. Uh, again, if you, you know, if you think you can trade and make all those trades right at the right time, hey, go for it. Definitely not something I could do. Um, obviously"
— Buying the NEXT Palantir NOW!!
"Mobileye, Uber, Duolingo, [902s] Outlet, Robin Hood, and SoFi."
— Unleashing 10x Growth: Top 6 Stocks to Watch
"Right now, SoFi, given the spot it's in and everything else, is firmly trader controlled, and this is what traders do."
— DISASTER for SOFI Stock?