The one-stop financial app <\/p>\n
SoFi aims to be a one-stop financial app for its users. It started out as a lender and has expanded into a large array of financial services, including investing tools. <\/p>\n
These other services do many positive things for SoFi. They open up new sources of revenue; hedge the business against high interest rates, which can hurt lenders; and generate high cross-selling opportunities, which are part of management’s long-term growth strategy. The platform also offers several AI-based tools<\/a> that help customers get their money right and feed into the overall model. <\/p>\n For example, customers with a bank account might use its AI features to analyze their finances, and the bank’s AI could detect a better SoFi credit card. The users might then switch to that credit card, giving them two of the company’s products. <\/p>\n Management targets young professionals, an upwardly mobile population that likes all things digital and AI. Composer is an AI agent that can create and execute investing strategies using natural language. Investors can create their own custom plan or use community-built strategies, and they can automate the execution of stock trades based on prompts and criteria. Composer isn’t the only AI investing agent, but it fits into SoFi’s broader model and offers greater value for its members. <\/p>\n Can the stock recover? <\/p>\n SoFi has launched a slew of tech-first services this year, including its own stablecoin and blockchain-based international wire transfers. These have not helped the stock recover, although the market did respond positively to the Composer announcement, and shares have started to bounce back from lows earlier this year. <\/p>\n In most respects, SoFi is performing well. Adjusted net revenue accelerated to 41% growth year over year in the 2026 first quarter, and earnings per share increased from $0.06 to $0.13. The loan business has momentum, with a 68% year-over-year increase in originations this quarter, spread across categories. <\/p>\n On its own, an AI agent won’t be the answer to a SoFi rebound, but it’s another way the company can keep attracting record new users and set itself up for success. And there’s still an opportunity to buy on the dip at the current price<\/a>. <\/p>\n Should you buy stock in SoFi Technologies right now? <\/p>\n Before you buy stock in\u00a0SoFi Technologies, consider this: <\/p>\n The Motley Fool\u00a0Stock Advisor\u00a0analyst team just identified what they believe are the\u00a010 best stocks<\/a>\u00a0for investors to buy now\u2026 and\u00a0SoFi Technologies\u00a0wasn’t one of them.\u00a0The 10 stocks that made the cut are built for long-term growth and could produce monster returns in the coming years. <\/p>\n Consider when\u00a0Netflix\u00a0made this list on December 17, 2004… if you invested $1,000 at the time of our recommendation,\u00a0you’d have $407,651!*\u00a0Or\u00a0when\u00a0Nvidia\u00a0made this list on April 15, 2005… if you invested $1,000 at the time of our recommendation,\u00a0you’d have $1,252,823!* <\/p>\n That performance is why people listen. With a track record of\u00a0beating the S&P 500 by 4x,\u00a0Stock Advisor\u00a0offers a distinct advantage. Don’t miss the latest top 10 list, available with\u00a0Stock Advisor, and join an investing community built for the long haul. <\/p>\n See the 10 stocks \u00bb<\/a> <\/p>\n *Stock Advisor returns as of July 9, 2026. <\/p>\n Jennifer Saibil<\/a> has positions in SoFi Technologies. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy<\/a>. <\/p>\n<\/a> Image source: Getty Images. <\/p>\n