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Times

SoFi's Plunging Stock Is an Amazing Buying Opportunity

By Travis Hoium – Feb 3, 2026 at 2:02PM EST

SoFi stock's drop is an opportunity for investors with a long-term horizon.

SoFi (Nasdaq: SOFI) stock continues to drop after the company reported outstanding earnings for the fourth quarter of 2025. Guidance for 2026 would be the envy of any other banking stock, yet investors weren't pleased with the results. Below, I dig through what we learned in the quarter and show why SoFi is well positioned to continue being the highest growth stock in banking in 2026 and beyond.

*Stock prices used were end-of-day prices of Feb. 2, 2026. The video was published on Feb. 2, 2026.

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About the Author

Travis Hoium
Travis Hoium is a contributing Motley Fool stock market analyst covering solar energy, technology, and growth stocks. Before The Motley Fool, Travis was a mechanical engineer at 3M and founded a virtual reality company. He holds a bachelor’s degree in mechanical engineering and a master’s degree in business administration from the University of Minnesota.
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Travis Hoium has positions in SoFi Technologies. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. Travis Hoium is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through their link they will earn some extra money that supports their channel. Their opinions remain their own and are unaffected by The Motley Fool.

Stocks Mentioned

SoFi Technologies Stock Quote

SoFi Technologies

NASDAQ: SOFI
$21.80 (0.01%) $0.28

*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.

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