Jim Cramer - Mad MoneySoFi TechnologiesSOFIWATCHFeb 23, 2026

Be patient with it. He's owned this for a year when it was going sideways. It can take time. There's concern with the consumer. They do buy now, pay later. Good growth and decent PE, but higher risk.

Upgraded. Tremendous opportunity here. There's still overhang from a shortseller, alleging creative accounting. It's trading like it will never grow again. Meanwhile, they just added 1 million members in the past quarter, huge growth that's turning into a financial powerhouse. 

He's a longtime SOFI bull, but it's been selling off lately as part of the AI displacement meltdown. It reported today with results mostly in-line, but guidance disappointed. Shares plunged 15% today, which is excessive.

Has a high PE. Is pulling back and isn't finished. Buy it at $20.

A great company and CEO. Shares are resting now, but he expects them to rise again. This and Affirm are his favourite fintechs.

Is a long-time SOFI bull. Shares are +137% in the last 6 months. Still has upside, driven by genuinely great numbers: membership has soared from 5.22 million in 2022 to roughly 12.99 million today while revenue has more than doubled in that time. Also, is enjoying excellent earnings growth, and the company is now profitable. It looks pricey at 81x PE, but is reasonable at 107% earnings growth. SOFI has beaten sales and EBITDA ever since going public in 2021. They keep expanding their banking services until it's become more of a full-service financial institution, trusted by younger customers. Good to buy now after a pullback. Don't expect another rally like this year, but will perform well over 3-5 years.

It's moved up because it's much more of a service provider stock than a lender now, but it needs to digest. Let shares come down first before stepping in.

With a 76% one year gain, it was not overly surprising to see some profit-taking. The quarter was solid as was the outlook and commentary. There was record member growth and loan originations. New products/services add more potential. We think it is buyable and are warming up to this name. 
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It reports Monday. He's long liked it, but short-sellers keep it down for no reason. He expects good numbers. Likes the CEO.

Is up 79% in the past year. Sell half, take profits.

We have done more work on its ability to compete in a crowded market and are more comfortable there. The recent results and the stock momentum have also certainly been big positive factors. It has good potential, we think, if it can continue to execute. One minor concern: it is a very very popular social media stock. While still relatively small, it is hardly unknown. This is not necessarily bad but can increase volatility if the majority of holders are trading/retail. 
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Online banking. In that space, he prefers bricks & mortar and steady-eddy banks that are diversified coast to coast. In the US, he owns JPM.

They got some new, big backers. Have a great CEO. It's breaking out, so shorts will have to cover.