SoFi stock prediction: $18.22 bull, $10.68 bear
By Tobi Opeyemi Amure
AI summary of the source article
SoFi announced SoFi Earn, a national bank-issued tokenized deposit featuring a 4.40 percent APY and 1:1 convertibility to SoFiUSD. The announcement preceded SoFi's scheduled third-quarter earnings release, with its shares closing at $14.615 on October 23, 2026.
Key facts
- SoFi announced SoFi Earn (SOFIE) on October 22, 2026, describing it as the first national bank-issued tokenized deposit for consumers.
- SOFIE offers a 4.40 percent APY, FDIC insurance up to applicable limits, and converts 1:1 into SoFiUSD.
- SoFi scheduled its third-quarter earnings release for October 27, 2026, following a Q2 report of $1.2 billion in adjusted net revenue and $46 billion in deposits.
Source excerpt · FinanceFeeds
The comfortable reading is that SoFi was cut in half because the business broke. That reading is wrong. SoFi closed Friday, 23 October 2026, at $14.615. Through 31 December the last 90 daily log-returns put a bull at $18.22, a base at $13.22 and a bear at $10.68. The base sits $1.395 under that close because the mean of those returns is negative. What the coverage skips is the calendar. The third-…