Is Most-Watched Stock SoFi Technologies, Inc. (SOFI) Worth Betting on Now?

Core Viewpoint - SoFi Technologies, Inc. (SOFI) has been under significant scrutiny, with its stock performance showing a decline of -29.8% over the past month, contrasting with the S&P 500's -1.5% change and the Zacks Financial - Miscellaneous Services industry's -15.6% [2] Earnings Estimate Revisions - The current quarter's earnings estimate for SoFi Technologies is projected at $0.12 per share, reflecting a +100% change from the same quarter last year, although the Zacks Consensus Estimate has decreased by -5.2% over the last 30 days [5] - For the current fiscal year, the consensus earnings estimate stands at $0.60, indicating a +53.9% change from the previous year, with a slight increase of +2.6% in the last month [5] - The next fiscal year's consensus earnings estimate is $0.80, showing a +33.6% change from the prior year, with a minor adjustment of +0.4% over the past month [6] - The Zacks Rank for SoFi Technologies is 3 (Hold), based on the recent changes in earnings estimates and other related factors [7] Projected Revenue Growth - The consensus sales estimate for the current quarter is $1.04 billion, representing a year-over-year increase of +35.1% [11] - For the current fiscal year, revenue estimates are $4.55 billion, indicating a +26.7% change, while the next fiscal year's estimate is $5.53 billion, reflecting a +21.6% change [11] Last Reported Results and Surprise History - In the last reported quarter, SoFi Technologies achieved revenues of $1.01 billion, a +37% increase year-over-year, with an EPS of $0.13 compared to $0.05 a year ago [12] - The company exceeded the Zacks Consensus Estimate for revenues by +3.15% and for EPS by +8.33% [12] - SoFi Technologies has consistently beaten consensus EPS and revenue estimates in the last four quarters [13] Valuation - SoFi Technologies is graded F on the Zacks Value Style Score, indicating it is trading at a premium compared to its peers [17]