Overview
SoFi Technologies is a financial technology company operating across lending, financial services and its technology platform.
This research page documents my current view of the company and the factors that may influence my investment thesis.
Why I’m Interested
There are several reasons I continue to follow SoFi.
- Growing financial services ecosystem
- Expanding membership
- Improving profitability
- Technology platform exposure
Bull Case
The bull case centres around continued member growth, stronger monetisation and operating leverage as the company’s financial services ecosystem expands.
Risks
Important risks include competition, credit quality, valuation and changes in the interest-rate environment.
What I’m Watching
I am monitoring future earnings, membership growth, lending performance and management guidance.
Conclusion
My investment view may change as the company’s fundamentals, valuation and broader market environment develop.