SoFi Stock in 2025: Time to Buy, Sell, or Hold?

Fintech disruptor SoFi keeps swinging between Wall Street's darling and problem child—but August 2025 might be its make-or-break moment.

The bull case: Digital banking's last stand?

SoFi's crypto-friendly platform and student loan refinancing moat still grab headlines. Recent API upgrades let users auto-convert paychecks to stablecoins—a feature that's either genius or regulatory suicide waiting to happen.

The bear trap: When 'disruption' meets old-school banking

Q2 earnings showed deposit growth slowing faster than a DeFi yield farm after the SEC comes knocking. That Galileo acquisition? Still chewing through cash like a VC-funded startup burning runway.

The verdict: High-risk, higher-reward

Trading at 1.8x book value, SoFi's either undervalued or correctly priced for its identity crisis—part neobank, part crypto gateway, part traditional lender doing cosplay as a tech company. Your move, diamond hands.