<div id="readability-page-1"><p>SoFi Technologies Inc. (SOFI) shares are trading lower despite a strong quarterly report and upbeat guidance. The pullback appears driven by renewed worries over the loss of Chime as a customer. However, top Mizuho analyst Dan Dolev said those concerns are overdone and views the &#34;weakness as a buying opportunity.&#34;</p><h3>Claim 50% Off TipRanks Premium</h3><ul><li>Unlock  hedge fund-level data  and  powerful investing tools  for smarter, sharper decisions  </li><li> Stay ahead of the market with  the latest news and analysis  and maximize your portfolio's potential</li></ul> <p>The 4-star analyst reiterated an Outperform rating on SoFi with a $38 price target, saying the market reaction does not reflect the company's underlying strength. He said the main concern weighing on the stock is fear that Chime's exit from SoFi's Galileo platform will slow growth, but believes investors are missing the bigger picture.</p> <h2><strong>Why Mizuho Says the Chime Fears Are Overdone</strong><strong></strong></h2> <p>Dolev said the loss of Chime was already included in SoFi's fourth-quarter guidance. That means the impact was known ahead of time and should not have come as a surprise. Because of that, he sees the stock's drop as an overreaction.</p> <p>He also noted that Chime's revenue in the fourth quarter was in line with past quarters. There was no one-time boost or unusual revenue that would make future comparisons misleading.</p> <p>Looking ahead, Dolev said SoFi's tech platform remains solid even after the Chime transition. For 2026, he expects about 20% revenue growth in the segment once the change is factored in, showing the core business is still growing.</p> <p>He also pointed to SoFi's first-quarter outlook as a key positive. The company is guiding for 35% year-over-year growth in Q1, even without any Chime revenue. On a comparable basis, that suggests growth of more than 40%, highlighting strong demand across the platform.</p> <h2><strong>What Is SoFi's Price Target?</strong> </h2> <p>According to TipRanks' consensus, SOFI stock has a Hold consensus rating based on three Buys, eight Holds, and three Sells assigned in the last three months. At $26.05, the average SoFi stock price target implies a 14.20% upside potential.</p></div>

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<p>SoFi Technologies Inc. (SOFI) shares fell despite a strong quarterly report, driven by concerns over losing Chime as a customer. Mizuho analyst Dan Dolev views this weakness as a buying opportunity, reiterating an Outperform rating with a $38 price target. He believes the market overreacted, as the impact of Chime's exit was already factored into SoFi's guidance. Dolev expects 20% revenue growth in 2026 and a positive Q1 outlook with 35% year-over-year growth, even without Chime revenue. The average price target for SOFI stock is $26.05, indicating a 14.20% upside potential.</p>

SoFi Stock Slides after Earnings, but Mizuho Says 'Buy on Weakness'