SoFi Technologies remains a Buy as it aims for an ambitious $1.6 billion adjusted EBITDA target by 2026, despite facing margin pressures and rising deposit costs. The company needs its incremental margin to reach 52–62% in the second half of the year, but strong revenue growth could help ease this requirement. SoFi's products like SoFiUSD and SoFi Plus offer growth potential through cross-selling, though SoFiUSD's near-term financial impact is limited. Deposit stickiness and product engagement provide confidence in SoFi’s growth trajectory despite the risks.
SoFi Technologies shares trade at USD 15.35 on Pluang as of October 12, 2026, showing a 2.88% decline in one day. The stock's market capitalization stands at $20.41 billion, reflecting investor interest despite margin challenges. Typical holding time for SOFI on Pluang is 61 days, indicating moderate investor engagement as the company pursues its growth targets.
