Before continuing, let me first say I'm a $SOFI shareholder with an all-in cost basis in the $9's... With that said, I'm admittedly not nearly as bullish as the broader Blossom community seems to be. SOFI is the #2 'most mentioned', #9 'most visited' and #17 'most bought' stock on the platform, as of today. With 1000's of stocks to choose from, I'd say that's fairly bullish. While past performance is no guarantee of future results, it's hard to ignore SOFI's significant underperformance compared to the majority of legacy banks and brokerages since it came public nearly 6 years ago. In case you're wondering, it's also underperformed on 1yr, 3yr and 5yr measures. That begs the question, is SOFI's popularity justified or have folks fallen for the 'on sale illusion', seeing the stock down close to 50% from its all-time high reached in late-2025 and thinking it's a bargain? Some might think my question is rhetorical, but believe me when I say it's sincere and I'm curious to hear your thoughts... Full Disclosure: From the comparables screen shot image, I own $SCHW and $WFC...
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26 Comments
Satwinder Singh@thevalueinvestor · 10h
Scott I personally think there’s way too much hype around this stock. It’s a great company no doubt but that doesn’t mean every second post on my timeline needs to be about sofi.
Gareth Soloway@garethn · 6hEdited
You hit the nail on the head. That "on-sale illusion" is incredibly real, and a lot of folks confuse a falling stock price with a bargain valuation. It's completely justified to question the hype when the multi-year chart shows serious structural underperformance compared to legacy plays like Charles Schwab ($SCHW ) or Wells Fargo ($WFC ).
Solo FIRE@solofire · 8h
Past performance doesn't indicate future performance. I think one shouldn't look at the stock price, but instead focus on the intrinsic value of the business. Sofi is trading at 35 P/E, revenue has been growing really fast at 40% annually, but EPS has only been growing 12% since 2024. I'd probably looks into why EPS is growing much slower than revenue. It is not a cheap stock at all on first look.
Luke @l_invests · 9h
I made a post about $SOFI yesterday, as a relatively “new” investor (I’m 29 years old) I have 8% of my portfolio sitting in SoFi. Truly feels like “dead money” watching the stock continuously do nothing. I’m a SOFI user for banking, investing, SoFi Plus, and a lot of other products they offer, all of which I find to be fantastic and have no plans on leaving from a customer standpoint. However, I wonder if selling some of my position to put that cash into other holdings I already own or start a new position (watching $AVGO), would be more beneficial at this stage of my investing career, which to me, feels more in line with the “correct path” for the long term. SOFI avg is $16.47 by the way.
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