SOFI
NASDAQUS FintechSoFi Technologies, Inc.
Last reviewed: May 15, 2026Quick check
$16.03
-$1.1200 (-6.53%)
Mkt cap: $20.56B
5-year price history
1D
1W
1M
6M
1Y
5Y
Bull case
- Deposit-funded model materially improves NIM versus warehouse-funded competitors.
- Galileo / Technisys tech platform is a true software business hidden inside a bank.
- Member growth still 30%+ with cross-buy of products rising every cohort.
Bear case
- Credit cycle: personal loan losses tick up if employment softens.
- Fintech competition (Robinhood, Cash App, Chime) is intense at the front of the funnel.
- Stock-based compensation still high relative to GAAP earnings.
Why a Canadian investor might own this
A real digital bank charter with a tech-platform business attached — and the market still treats it like a lender.
Account fit
| Account | Fit | Why |
|---|---|---|
| TFSA | OK | DRAFT — pending Tom review |
| RRSP | OK | DRAFT — pending Tom review |
| FHSA | OK | DRAFT — pending Tom review |
| Non-reg | OK | DRAFT — pending Tom review |
Ideal = best tax outcome · Avoid = material drag or ineligible · Color and symbol, not color alone, indicate fit.
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