@N30：
$SoFi Technologies Inc.(SOFI)$ SoFi is down recently, but is the decline overblown? The stock decline is primarily due to a combination of factors: Rising loan delinquency rates, particularly in credit cards and auto loans, signal growing financial stress among consumers and can negatively impact lenders like SoFi. Broader economic headwinds like inflation and rising borrowing costs further strain consumer budgets, worsening delinquency rates. SoFi's announcement of a "transitional year" with a shift away from student loans raises investor caution about the company's ability to navigate this change. However, I believe these issues are temporary, and I remain bullish on SoFi for several reasons: Economic recovery: If the broader economic