SoFi Technologies (NASDAQ: SOFI) reported mostly outstanding results for the 2026 first quarter, and its stock continues to get crushed. It’s down 38% this year alone.

Investors might be fleeing, but is it justified? Let’s see where SoFi might be in 2030 and whether it makes sense to wait it out.

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High-growth fintech

Let’s take a step back and see why SoFi has an exciting investment thesis in the first place, and why its stock has tripled over the past three years, including the current drop.