Fintech stocks SoFi and OppFi see divergent analyst views

SoFi Technologies' shares have fallen about 39% since January, pressured by a Muddy Waters short‑seller report alleging inflated profitability, weaker-than‑expected financial guidance, and a forward price‑to‑earnings multiple of roughly 28×, well above the industry average. Despite the decline, the company reported a 43% year‑over‑year revenue increase to $1.1 billion and a 100% jump in earnings per share to $0.12 in the first quarter, while its membership base grew 35% to 14.7 million users.

OppFi received a series of analyst upgrades, with Wall Street Zen moving the stock to a "strong‑buy" rating and other firms offering mixed recommendations ranging from hold to buy. The consensus target price is $13, and the latest quarterly report showed earnings per share of $0.35, beating expectations, on revenue of $87.3 million, short of analysts' $151.1 million estimate. The stock opened at $9.02 and trades near its 52‑week low.