I have SOFI $SoFi Technologies Inc.(SOFI)$ fair valued at $20 based on the lower range of their 2026 guidance. Which is interesting as they projected to grow by 20% annually after 2026 which is actually quite modest.
My biggest bull case for SOFI is actually it seems to have differentiated itself for the next generation. Especially with the fact that its tech platform also powers alot of its competitors I can see they can continue to eat up market shares in the future.
As Noto said in an recent interview, conventional banks had tried what SOFI is doing by attempting to provide one-stop financial services and have failed. I have friends working in bank who explained to me, that there are many hurdles for a conventional bank to transition everything online as they have their existing working system operating at all times.
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