SOFI is a strong buy for long-term appreciation to $50-$100 based on member/earnings growth, tempered by sector-specific debt/bankruptcy risks.

The first of these seven stocks is SoFi Technologies. Sofa. So, the most interesting thing about Sophie is. Sofie is a $15 stock today, right? Now, I have a 72% profit on this stock in my public account.

72%. Usually, when I make a 72% profit on a stock, I'm not that interested in buying more shares because I've already made a lot of money. Like 72%, but not a small amount, right?

72% is the amount of return that people expect to get from an index fund over a 4 to 5 year period. And I did it in a much shorter time on the sofa, right? So, that's a big number, right?

But at the same time, it's a tremendous opportunity to buy. I believe that in the long term, Sofa is going to be a $50 to $100 stock , okay ? Yes, it was great, but we've only made a little money so far.

Big profits are yet to come for SoFi, understand?

Now the interesting thing is, if you do n't know about SoFi, then know that it's basically a combination of fintech and banking, right ? The most amazing thing about Sofai is that if you look at their statistics, you will see that they are constantly attracting more members.

You can call them customers , call them whatever you want, no problem. They had 5.2 million members a few years ago , then 7.5 million, 10 million in '24, 13.6 million in 2025, and by the second quarter of 2026, it had reached nearly 16 million.

I think they'll have 17 million members by the end of this year , you know? So, they're growing at a pretty good rate right now, right ? And it's really incredible.

Another thing is that they are selling more products to their customers, which is what you need to do as a financial institution. That is, the number of products per member increased from 1.46 in the second quarter of 2025 to 1.54 in the last quarter.

This is the real rule of the game. If you're in the fintech or banking sector , which is what Sofay is essentially doing, then that's how it goes. You always need to attract more clients.

Those clients' net worth or assets should increase over time , right ? And if you can sell them more products year after year , you'll make yourself one of the most valuable financial institutions in the world within a decade, if you can do that, okay?

Another thing about Sophie is, we're looking at thousandxstocks.com now, okay? I use it every day. Look at the trajectory of Sophie's earnings over the past 12 months and see where they could go next.

Take a look at the earnings per share (EPS) story for Sofie. I think this is the most neglected aspect of the sofa. This company used to make a lot of losses, huge losses, right?

And I understand, when I started buying the stock a few years ago, it was priced at like $6 a share, right ? At the time I could understand why some people didn't want to buy it , because it was still making a lot of losses, but I could see how they would turn around and they really did.

And SoFi's earnings per share were still in their early stages. You ca n't even imagine the profits that Sophie can make from this company in the long run, right? Now, the company's shareholder equity is constantly growing and some people see that as the biggest thing for any financial institution, to make sure that shareholder equity is growing over time, right?

Now, the big risk for SoFi—and it's a risk for anything in the banking sector— is a situation where the company becomes overly indebted, right? What if a company becomes really over-indebted and you go through a major recession, like what happened during the great financial crisis , right?

Your financial institution could go bankrupt , meaning its value could drop to zero , or you might have to sell shares for $1, $2, or $3 and leave the company , right? And this is something that happened to many financial institutions during the Great Financial Crisis.

Many banks went bankrupt and went down to zero. The others were sold for $2, $3, or $4 per share , right ? Very cheap. Because if you get into trouble as a financial institution, it's very difficult to get out of it, especially if the situation gets very bad.

The good news is that Anthony Noto has been in this arena for a long time. He was an important person at Goldman Sachs many years ago. Goldman Sachs, if there's any financial institution that finds a way to overcome any obstacle and ultimately become more successful, it's Goldman Sachs, right?

So, he is that kind of person. And so, I believe Anthony Noto will not let his company go bankrupt by becoming overly indebted. However, this is a financial institution, so you need to understand the risks when investing initially.

And so, in the case of Sophie, I create a position in it, okay ? But I would n't make it a big deal if he did something wrong at some point , right? I think we are safe. But if that small possibility happens, I do n't want to be stuck with overinvesting in a position, okay?

So, that's how I look at Sophie. It's worth buying. It's worth buying. And it's worth buying. Long term $50 stock.

It's a matter of, there are some stocks that have a very high level of risk, where you might think, "Wow, this company could go bankrupt." You know, we talked about SoFi before , right ?

This is a type of financial institution, so what if Anthony Notto goes crazy and throws the company into a trap of excessive debt ? And what happens if they go bankrupt and a major economic downturn hits?

I understand. I understand the point , right ? There is a risk.