SoFi: Dilution Headlines Miss The Balance-Sheet Upgrade Story
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Danil SeredaInvesting Group LeaderFollow5ShareSavePlay(12min)CommentsSummarySOFI's chart looks shaky after the failure to find support above $30, but I'm ignoring technicals: fundamentals point to accelerating earnings and a higher 2026 repricing despite recent equity dilution. SOFI's Loan Platform Business drives higher-margin, less rate-sensitive income, reducing reliance on traditional lending and enhancing earnings power. Despite recent equity dilution, capital raises are viewed as strategic moves to optimize the balance sheet and fuel technology expansion. My 12-month target price is $36.87, reflecting a 43% upside as SOFI's rapid earnings growth and product expansion continue. Joe Hendrickson/iStock Editorial via Getty Images Weak Technicals Don't Mean SOFI's Fundamentals Are Also Weak Since my recent update on SoFi Technologies (SOFI) stock in September 2025, the stock price hasn't moved anywhere, and SOFI has slightly underperformed theThis article was written byDanil Sereda14.1K FollowersFollowDaniel Sereda is chief investment analyst at a family office whose investments span continents and diverse asset classes. This requires him to navigate through a plethora of information on a daily basis. His expertise is in filtering this wealth of data to extract the most critical ideas. He runs the investing group Beyond the Wall Investing in which he provides access to the same information that institutional market participants prioritize in their analysis. Learn more.Analyst’s Disclosure:I/we have a beneficial long position in the shares of SOFI either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.