u/TherealCarbunc

SOFI has met/beat guidance for 10 consecutive GAAP profitable quarters, guides 30% revenue CAGR and 38-42% EPS CAGR through 2028, and trades at <2x book value with a forward PEG under 0.6. The market has priced in excessive risk (dilution fears, macro headwinds, tech client loss), but the company’s accelerating growth and improving margin mix (high-margin fintech revenue >40%) create a mispricing opportunity. Long SOFI as a deep value play on a growing financial-technology platform with strong fundamentals and a clean technical bottom, targeting S&P 500 inclusion as a near-term catalyst. Continued macro credit deterioration, unexpected dilution, failure to sustain growth or achieve S&P inclusion, renewed regulatory headwinds.