SoFi Stock Upgraded to Buy on Valuation Opportunity SoFi Technologies has received a significant rating upgrade to Buy as its stock valuation reaches multiyear lows, presenting an attractive entry point for investors. The fintech company's recent pullback has created a compelling opportunity despite strong underlying business fundamentals. The upgrade reflects confidence in SoFi's growth trajectory and operational efficiency. The company's FY2026 guidance projects impressive 30 percent revenue growth, demonstrating sustained expansion across its digital banking and lending platforms. More notably, SoFi expects to achieve a 34 percent adjusted EBITDA margin by 2026, showcasing meaningful operational leverage and path to profitability. This margin expansion is particularly significant as it indicates SoFi's ability to scale operations while improving profitability metrics.