Will SoFi Stock Rally by Year-End? — Now That 'Undervaluation, Anomalies, and Key Catalysts' Have Aligned

I believe SoFi stock is currently in a phase where conditions are ripe for an upward trend.

Of course, stock prices are always accompanied by uncertainty, and no one can predict the future with certainty. However, when layering the extent of the correction, historical data, theory, and ongoing business developments, “the probability of an upward move is increasing.” It is reasonable to think so.

In this article, I will organize the rationale into three parts.
・Stock Price Level (Valuation)
・Anomaly (Historical Price Pattern)
・SoFi-Specific Growth Drivers

<Stock Price Level: A 'Distortion' of 50% Decline + PEG in the 0.8 Range>
First, the current stock price level has fallen from the recent high of $32.21 (closing price) on November 12, 2025, to $15.15 on March 30, 2026, and the maximum decline rate has reached -52.96%.

This is not at a level that can be called a mere correction phase.

Concerns about AI replacing existing businesses, concerns about the private credit market, and the worsening situation in the Middle East have all overlapped, and I view this as an 'overshot correction phase.'

On the other hand, SoFi's fundamentals remain extremely strong.