SoFi Technologies (SOFI) has rolled out its Big Business Banking platform, giving large enterprises a single, regulated place to manage both fiat and crypto activity, including SoFiUSD on Solana, with 24/7 API-based payments.

The launch of Big Business Banking comes after a volatile few months for the stock, with a 90 day share price return showing a 42.28% decline, but a 1 year total shareholder return of 48.97% and a 3 year total shareholder return around 2.8x. This combination indicates long term momentum alongside recent pressure.

If this mix of crypto, payments and banking has your attention, it could be a good moment to see what else is moving in digital finance through 20 cryptocurrency and blockchain stocks

So, with the shares down 42.28% over 90 days but still up 48.97% over 1 year, and trading at $15.85 against an average analyst target of $25.03, is there real value on the table here, or is the market already pricing in future growth?

Most Popular Narrative: 13.2% Overvalued

SoFi Technologies last closed at $15.85, while the most followed narrative, using a fair value of $14.00, sees the shares as pricing in more than that estimate.

SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth but balance-sheet ownership. Unlike app-first competitors that rely on partners, SoFi increasingly operates like a bank, funding loans with deposits, managing credit risk, and monetizing customers across multiple financial needs.

Want to understand why this narrative tags SoFi as overvalued? It leans heavily on fast earnings growth, rising margins and a rich future earnings multiple. The real story sits in how those moving parts are stitched together over time.

Result: Fair Value of $14.00 (OVERVALUED)

However, this view could be challenged if margin pressure on SoFi’s lending book intensifies or if regulators tighten rules around digital banking and crypto services.

Next Steps

With sentiment clearly split between risks and rewards, it makes sense to look at the numbers yourself and move quickly to shape your own view using 2 key rewards and 2 important warning signs

Looking for more investment ideas?

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.