Feb. 15 at 3:18 PM
$SOFI $APP
Despite improving fundamentals,
$SOFI continues to sit in valuation limbo. Earnings are scaling, tangible book value is rising, and the business is becoming less dependent on any single macro outcome—yet investor perception has not fully caught up. This disconnect exists because SoFi does not fit neatly into the boxes analysts prefer. It is not just a lender, not just a bank, and not just a fintech platform. What matters more than labels, however, is trajectory. And the trajectory being laid out through 2026 reveals a company prioritizing durable returns, capital efficiency, and optional growth paths over short-term optics. That combination is often misunderstood early—and rewarded later.
From why recent capital raises were strategic rather than dilutive, to how crypto, business banking, and platform intelligence quietly expand long-term margins, the final section explains why...
https://www.wizeinvesting.com/p/why-the-market-still-doesn-t-know-how-to-value-sofi
