SoFi Technologies shares have fallen more than 50% from last November's peak and recently hit a new 52-week low. The decline follows the loss of a technology platform customer, Chime, which cut that segment's first-quarter revenue by 27% year over year, along with a weak market and deteriorating credit conditions. The author argues the long-term picture is stronger: second-quarter revenue rose 40% to $1.2 billion, EBITDA grew 44%, and customers reached a record 15.8 million, up 35% from a year earlier. Morningstar expects per-share profit to rise from $0.62 this year to $1.71 in 2030; at 15 times that figure, the stock would be worth just above $25, nearly 80% above its current price. The article cautions that shares could fall before they rise.
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