Core Viewpoint - Investors are comparing Grupo Financiero Banorte SAB de CV (GBOOY) and SoFi Technologies, Inc. (SOFI) to determine which stock is more attractive for value investing [1] Valuation Metrics - GBOOY has a forward P/E ratio of 8.36, significantly lower than SOFI's forward P/E of 43.01 [5] - GBOOY's PEG ratio is 1.49, while SOFI's PEG ratio is 1.60, indicating GBOOY may offer better value relative to its expected earnings growth [5] - GBOOY has a P/B ratio of 2.09 compared to SOFI's P/B of 3.5, suggesting GBOOY is more undervalued based on its book value [6] Earnings Estimates and Grades - GBOOY has a Zacks Rank of 2 (Buy), indicating positive earnings estimate revisions, while SOFI has a Zacks Rank of 3 (Hold) [3] - GBOOY's stronger estimate revision activity and more attractive valuation metrics suggest it is the superior option for value investors [7] - GBOOY has earned a Value grade of A, whereas SOFI has received a Value grade of F, highlighting the disparity in their valuation attractiveness [6]

Partnership provides exclusive financial tools to help dental professionals manage debt and plan for the future MIAMI, Jan. 20, 2026 /PRNewswire/ -- GoTu Technology, the nation's leading dental talent marketplace, announced today a new partnership with SoFi, the one-stop shop for digital finance services, to bring the financial well-being resources of SoFi at Work directly to GoTu professionals. Through this private partnership, eligible GoTu users can gain access to enhanced financial support designed to h ...

SoFi stock (SOFI), which rose 70% last year and has outperformed markets for the last three consecutive years, is slightly underperforming the S&P 500 Index ($SPX) this year. The stock has lost 1.4% over the previous three months and trades nearly 20% below its all-time high, which it reached in mid-November. The fintech giant is set to release its Q4 2025 earnings on Jan. 30. Let's explore whether the confessional would help turn the tide for SoFi, which is among the rare success stories in the former s ...

Core Viewpoint - Deutsche Bank has released a report on the outlook for the U.S. consumer finance sector in 2026, focusing on the earnings guidance of seven companies, which is expected to have a greater impact on stock prices than the actual Q4 performance [1] Group 1: Company-Specific Guidance - American Express (AXP): Deutsche Bank expects a short-term revenue growth slowdown to 8.5% for FY2026, below the market expectation of 9.0%, with diluted EPS projected at $17.75, slightly above the consensus of $17.56 [2] - Synchrony Financial (SYF): Projected loan receivables growth of 4.75% for 2026, exceeding the market expectation of 3.14%, but net revenue forecasted at $15.7 billion, below the market's $16.5 billion [2] - Ally Financial (ALLY): Expected average earning assets growth of 1.7% in 2026, with net interest margin rising to 3.72%, slightly above the market expectation of 3.70% [3] - OneMain Holdings (OMF): Projected management receivables growth of 6.55% for 2026, below the market expectation of 8.00%, with revenue growth of 6.15%, also slightly below the consensus [3] - SoFi Technologies (SOFI): Management reiterated EPS guidance of $0.55-$0.80 for 2026, with a midpoint forecast of $0.67, significantly above the market consensus of $0.58 [4] - Navient Corp (NAVI): Expected NIM for private education loans to rise to 2.81% in 2026, with core EPS projected at $1.15, benefiting from market opportunities due to the cancellation of the GRAD PLUS program [5] Group 2: Market Trends and Influences - The guidance from these companies is expected to influence stock prices more than their Q4 actual performance, highlighting the importance of forward-looking statements in the consumer finance sector [1] - The report indicates that the consumer finance sector is experiencing varying growth rates, with some companies facing challenges due to market saturation and regulatory changes [2][3][4]

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2025, leading to a decline in deposit account rates, making it crucial for savers to seek high-yield savings accounts to maximize interest earnings [1][5] Group 1: Savings Account Rates - High-yield savings accounts can offer interest rates as high as 4% APY, significantly above the national average [2][3] - The national average savings account rate is currently just 0.39%, while 1-year CDs average 1.63% [5] - The highest savings account rates available as of January 19, 2026, are offered by SoFi, Valley Bank Direct, and Barclays at 4% APY [3][4] Group 2: Online Banks vs Traditional Banks - Most top savings rates are provided by online banks, which have lower overhead costs and can offer higher rates and lower fees compared to traditional banks [4] - Despite recent rate cuts by the Federal Reserve, traditional savings accounts and CDs are still offering some of the highest interest rates seen in over a decade [4] Group 3: Choosing a Savings Account - When selecting a savings account, factors beyond interest rates should be considered, such as minimum balance requirements, customer service, ATM access, and digital banking tools [6][7] - It is essential to ensure that the savings account is insured by the FDIC or NCUA for protection against institutional failure [7]

Core Insights - Investing in financial stocks may seem risky due to declining interest rates affecting traditional banks' profits, but fintech companies like SoFi and Nu could present long-term investment opportunities as they attract customers from older banks [1][2] Group 1: SoFi - SoFi, founded in 2011, has evolved from offering only student loans to a comprehensive online platform providing various financial services, including auto loans, mortgages, personal loans, credit cards, insurance, and trading tools [4] - The company has experienced rapid growth, increasing its membership from 2.5 million in 2021 to 12.6 million by Q3 2025, with products in use rising from 1.9 million to 18.6 million [5] - Analysts project SoFi's revenue and adjusted EBITDA to grow at a CAGR of 23% and 38% respectively from 2025 to 2027, with an enterprise value of $31.5 billion, indicating it is reasonably valued at 19 times this year's adjusted EBITDA [7] Group 2: Nu Holdings - Nu, founded in 2013, operates NuBank, the leading direct bank in Latin America, and has successfully attracted younger customers while addressing the needs of a largely unbanked adult population in the region [10] - Similar to SoFi, Nu has outpaced traditional banks in growth by leveraging its digital-native platform to appeal to younger demographics [9]

It’s only been a few days since President Donald Trump called on lawmakers to cap credit card interest rates at 10%, and Wall Street is already in panic mode. At ‌surface level, reducing interest rates sounds great from a consumer’s perspective. But dig a little deeper, and several experts believe this policy will harm markets and make finance less accessible to the general public. That’s why big-time investors, banks, and credit card companies are all lining up in opposition to Trump’s proposal. More N ...

Core Viewpoint - SoFi Technologies Inc. is experiencing significant growth in membership and revenue, with a focus on expanding its financial services offerings and leveraging its banking charter to enhance profitability [1][10][12]. Company Performance - SoFi's stock is currently trading 3.4% lower than a week ago but has increased by 26.2% over the past six months and 70.5% over the past year [1]. - The company has more than doubled its revenue since its IPO, reaching $2,067.8 million in 2023, despite operating at a net loss [7][8]. - Operating costs have increased, particularly in sales and marketing, which totaled $720 million in 2023, but these investments are seen as beneficial for future growth [7][8]. Growth Strategy - SoFi aims for 30% member growth and 20% revenue growth, with plans to expand its product lineup to include new lending products, investment options, and insurance services [1][9]. - The company is also focusing on cross-selling its financial products to improve customer retention and lifetime value [11]. Market Position and Valuation - Analysts have mixed views on SoFi's valuation, with some seeing it as having a steep premium while others anticipate long-term growth potential [2]. - The Wall Street consensus one-year price target for SoFi is $27.11, with a more bullish estimate from 24/7 Wall St. at $35.70 by the end of 2026, representing a 35% gain [12][15]. Future Projections - Revenue and earnings projections indicate continued growth, with estimated revenue reaching $5.34 billion and net income of $1.279 billion by 2030 [13][14]. - The estimated stock price is projected to reach $55.30 per share by the end of the decade, more than doubling the current price [14][15].

Core Insights - SoFi Technologies is experiencing significant growth in the financial services sector, with a share price increase of 416% over the past three years [1] - Upstart is leveraging AI to transform credit access, but its shares are currently trading 88% below their peak [2] SoFi Technologies - SoFi's adjusted net revenue grew by 126% from Q3 2022 to Q3 2025, indicating strong customer acquisition and success in the competitive banking landscape [2] - The company reported an adjusted net income of $227 million in 2024, with expectations to reach $455 million in 2025, a significant turnaround from a $54 million loss in 2023 [4] - SoFi's innovative product offerings, such as partnerships for cross-border transfers and cryptocurrency trading, are aimed at attracting a younger, affluent customer base [5] Upstart - Upstart has developed an AI lending model that assesses thousands of variables to evaluate borrowers, outperforming traditional credit scoring methods [6] - The company reported a 128% increase in transaction volume and a 71% rise in revenue in Q3 2025, with personal loans, auto loans, and HELOCs showing substantial year-over-year growth [8] - Upstart is projected to achieve a GAAP net income of $50 million in 2025, a recovery from a $129 million loss in 2024 [9] Investment Considerations - Analysts suggest Upstart may offer a more attractive stock pick with a 24% upside potential, compared to SoFi's 2% [10] - Upstart's forward P/E ratio is 20.5, making it appear cheaper, but it carries higher risks due to inconsistent revenue and profit growth [11] - SoFi, despite a higher forward P/E ratio of 46.1, is viewed as a better investment opportunity due to its strong profit growth and clearer path to success [12]

Core Insights - Scalable profitability is the main driver behind SoFi Technologies' improved outlook for 2025, with significant upward revisions in all major operating metrics [1][3] - The company anticipates adding approximately 3.5 million new members, reflecting a 34% growth compared to the previous 30% forecast, indicating a strengthening ecosystem [1][7] Revenue and Profitability - Adjusted net revenue is now projected to reach $3.54 billion, representing a 36% year-over-year growth, surpassing the earlier estimate of $3.375 billion [2] - Adjusted EBITDA is guided at $1.035 billion, with adjusted net income expected at $455 million and adjusted EPS at 37 cents [2] - Tangible book value growth is forecasted at $2.5 billion, significantly higher than the previous estimate of $640 million, indicating stronger capital formation [2] Structural Efficiency - The revisions suggest that SoFi is gaining structural efficiency as it scales, with robust member growth, disciplined cost management, and expanding fee-based revenue streams contributing to its evolution into a more resilient financial platform [3] Peer Comparison - Upstart serves as a comparison point, focusing on AI-driven lending but facing inconsistent loan volume, making it less predictable in achieving sustained profitability [4] - LendingClub, another peer, follows a marketplace-bank hybrid model but has not matched SoFi's member expansion or fee-income scale, reflecting challenges in achieving similar operating leverage [5] Stock Performance and Valuation - SoFi's stock has increased by 64% year-to-date, contrasting with a 13% decline in the industry [6] - The company trades at a forward price-to-earnings ratio of 44X, significantly above the industry's 22X, and carries a Value Score of F [8]