$SOFI Is Down, but the Business Keeps Getting Stronger

$SOFI stock has underperformed this year, even as the company’s fundamentals continue to improve.
Revenue growth remains above 40% , while SoFi USD and business banking both launched in July.
In its latest quarter, management maintained guidance rather than raising it—but did so even as expectations for rate cuts faded and markets began considering the possibility of another rate hike.
That may be the most bullish part of the story.
$SOFI has already proven it can perform in a high-rate environment, when personal loans carried much of the growth. In a lower-rate environment, student loans, home loans, and the loan platform could become much larger drivers.
The business is showing it can adapt across different rate cycles, even if the stock price has yet to reflect that resilience.