Why SoFi Is the Most Confusing Stock on Wall St

SoFi Technologies is one of the most polarizing stocks in the market — soaring 73% year-to-date while analysts remain sharply divided. Some see SoFi as an overpriced bank with a stretched valuation, while others view it as an early-stage fintech powerhouse with massive future upside. In this video, we break down SoFi’s explosive membership growth, its rapidly rising deposit base, its path to GAAP profitability, and why its valuation metrics don’t fit neatly into traditional banking models.

Meanwhile, critics warn of margin pressure, rising operating costs, and credit risk. Short interest now sits near 9% as traders bet against SoFi’s aggressive expansion. But with 12.6 million members, $33 billion in deposits, eight straight quarters of profitability, and a brand-new crypto trading division — SoFi is shaping up to be a hybrid digital bank–tech platform the market hasn’t fully priced in yet. Is SOFI stock a buy, sell, or hold in 2025? Drop your thoughts in the comments — where do YOU see SoFi going next?

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