Zacks Analyst Insights: Capital One Financial, SoFi, and OppFi
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 17 2025
0mins
Should l Buy SOFI?
Source: NASDAQ.COM
Stock Highlights: Zacks.com features stocks like Capital One Financial Corp. (COF), SoFi Technologies, Inc. (SOFI), and OppFi Inc. (OPFI) in their Analyst Blog, emphasizing their potential for growth in the evolving payments industry.
Growth in Payments Industry: The global payments sector is expected to thrive in 2026, driven by the shift to digital payments, increased consumer spending, and supportive monetary policies, including recent interest rate cuts by the U.S. central bank.
Company Performance: Capital One is projected to see growth in net interest income due to rising consumer loan demand, while OppFi is focusing on AI to enhance efficiency, and SoFi is expanding its digital ecosystem, all contributing to positive earnings forecasts.
Investment Opportunities: The article suggests that continued innovation and technological advancements in the payments space will benefit these companies, with Zacks ranking Capital One and OppFi as #1 (Strong Buy) and SoFi as #2 (Buy).
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 17.080
Low
18.00
Averages
28.31
High
38.00
Current: 17.080
Low
18.00
Averages
28.31
High
38.00
About SOFI
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Impact of Short Report: Although Muddy Waters issued a short report questioning SoFi's profitability, analysts believe it won't lead to a stock collapse, potentially providing a buying opportunity for long-term investors.
- Market Reaction Analysis: Noto's swift share purchase signals management's confidence in the company's fundamentals, which may attract more investor interest in SoFi's long-term value.
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- SoFi Financial Status: Despite Muddy Waters Research's allegations of financial issues, SoFi officials countered that the report is inaccurate, and the company anticipates a 30% revenue growth and 34% EBITDA growth by 2026, showcasing its profitability and growth potential.
- Upstart Bank Charter Application: Upstart has filed for a national bank charter, which, if approved, would allow it to operate as a full-service bank, significantly increasing its revenue streams, although its stock has fallen about 37% due to high valuation concerns and economic uncertainties.
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See More
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- CEO Share Purchase: SoFi CEO Anthony Noto purchased shares at approximately $17.32, demonstrating confidence in the company's future despite facing short-selling pressures earlier this month.
- Record Financial Performance: SoFi achieved record revenue in Q4 and reached its ninth consecutive quarter of GAAP profitability, indicating robust growth and profitability in the market.
- Impact of Short Report: Although Muddy Waters issued a short report questioning SoFi's profitability, analysts believe it won't lead to a stock collapse, potentially providing a buying opportunity for long-term investors.
- Market Reaction Analysis: Noto's swift share purchase signals management's confidence in the company's fundamentals, which may attract more investor interest in SoFi's long-term value.
See More
Fintech Stocks Face Challenges and Opportunities
- SoFi Stock Volatility: SoFi Technologies has seen a year-to-date decline of approximately 33%, currently trading around $17.50 per share; however, its growth metrics remain robust, with projected revenue growth of 30% and EBITDA growth of 34% by 2026, indicating a healthy underlying business.
- Upstart's Bank Charter: Upstart's stock is down 37% year-to-date, but its application for a national bank charter could be a game-changer, allowing it to offer deposits and loans, thus creating a new revenue stream and enhancing its competitive position in the fintech space.
- Market Environment Impact: The fintech sector has dropped about 11% on average, prompting investors to seek quality stocks at lower valuations, particularly within the financial sector, which has been hit hardest, making it a focal point for investment opportunities.
- Analyst Optimism: Despite challenges, analysts have set a median price target of $27 for SoFi, suggesting a potential upside of 53%, while Upstart's target price of $45 indicates a possible 62% gain, reflecting market confidence in the long-term prospects of both stocks.
See More
Investment Opportunities in Fintech Stocks Amid Market Decline
- Market Downturn Opportunity: The financial sector has dropped nearly 10% this year, with fintech stocks like SoFi and Upstart down approximately 33% and 36%, respectively, presenting investors with opportunities to buy at lower valuations that could double in value over the next few years.
- SoFi Financial Status: Despite Muddy Waters Research's allegations of financial issues, SoFi officials countered that the report is inaccurate, and the company anticipates a 30% revenue growth and 34% EBITDA growth by 2026, showcasing its profitability and growth potential.
- Upstart Bank Charter Application: Upstart has filed for a national bank charter, which, if approved, would allow it to operate as a full-service bank, significantly increasing its revenue streams, although its stock has fallen about 37% due to high valuation concerns and economic uncertainties.
- Future Growth Expectations: Analysts have set price targets of $27 for SoFi and $45 for Upstart, indicating potential upside of 53% and 62%, respectively, suggesting that these stocks could rebound significantly when the market stabilizes.
See More
SoFi Stock Price Plummets, Investor Warnings Confirmed
- Stock Price Decline: Since the warnings, SoFi's stock has significantly dropped, indicating a market reassessment of its valuation and severely undermining investor confidence.
- Investor Alerts: Over the past few months, analysts have repeatedly cautioned that SoFi's stock was overpriced, which went largely unheeded, resulting in substantial losses for many investors.
- Market Reaction: As of the afternoon of March 19, 2026, SoFi's stock price has fallen to lower levels, reflecting concerns about its future growth potential, which could impact the company's ability to raise funds.
- Strategic Implications: This stock price crash may compel SoFi to reevaluate its business model and market strategy to restore investor confidence and stabilize its stock price.
See More
SoFi Stock Price Too High, Analyst Warns
- Price Drop Warning: Analysts have repeatedly warned investors that SoFi (NASDAQ: SOFI) stock is overpriced, leading to a significant decline in its stock price, reflecting a market reassessment of its valuation that could undermine investor confidence.
- Lack of Investment Recommendations: The Motley Fool Stock Advisor team has indicated that SoFi was not included in their current list of the 10 best stocks, highlighting concerns about its future growth potential and possibly leading to capital outflows.
- Historical Return Comparison: Compared to previously recommended stocks like Netflix and Nvidia, which achieved returns of 495,179% and 1,058,743% respectively, SoFi's performance appears lackluster, emphasizing its relative disadvantage in investors' eyes.
- Market Performance Discrepancy: With Stock Advisor's average return at 898%, significantly outperforming the S&P 500's 183%, this underscores the need for investors to be cautious in stock selection to avoid the risks associated with overvalued stocks.
See More
SoFi Stock Down 45% Despite Strong Results
- Strong Performance Yet Decline: SoFi (NASDAQ: SOFI) has reported extremely strong results across its business, yet its stock has fallen approximately 45% from recent highs, indicating market concerns about its future prospects that could undermine investor confidence.
- Impact of Short-Seller Report: A recent short-seller report targeting SoFi has garnered significant market attention, and despite the company's robust fundamentals, such negative information may exacerbate pressure on its stock price, prompting investors to reassess their holdings.
- Change in Investment Recommendations: The Motley Fool's analyst team has noted that SoFi did not make their list of the top 10 stocks to buy, which could influence potential investors' decisions and reflects a cautious market sentiment regarding its future growth potential.
- Market Performance Comparison: With Stock Advisor's total average return at 911% compared to the S&P 500's 186%, it highlights SoFi's relatively weak performance in the current market environment, suggesting a need for more effective strategies to boost investor confidence.
See More
