SOFI's fundamentals show strong revenue growth but profitability remains elusive; technicals indicate oversold conditions with potential for a rebound.

Market sentiment is mixed, with retail investors bullish while analysts remain skeptical; recent headlines suggest undervaluation narratives gaining traction.

Long-term risks include regulatory hurdles and competition, but SOFI's diversified fintech model could drive sustained growth if execution improves.

Technical signals show RSI nearing oversold territory and increasing volume on pullbacks, suggesting potential short-term upside.