SoFi Technologies (SOFI) has been making the rounds in fintech circles lately, and not because it's doing anything particularly wild. Rather, it's doing something unusual for a high-growth fintech: actually making money. The company has shifted from the classic "grow fast and figure out profits later" playbook to something that looks suspiciously like a sustainable business model, with expanding member counts, rising revenue across lending and fees, and actual profitability showing up in the numbers.
So naturally, everyone wants to know where the stock goes next. We decided to ask an AI.
Key Points
- ChatGPT's AI model projects SoFi stock could reach $28.50 within 60 days, representing a modest 3.81% gain from current levels around $27.46
- The fintech reported record quarterly revenue of approximately $950 million (up 38% year-over-year) and net income of roughly $139 million, showing strong profitability momentum
- Membership grew over 30% to around 12.6 million members as the company expands its lending and fee-based services
- Technical indicators show momentum softening but not yet signaling a deeper reversal, suggesting modest upside through mid-March