SoFi's Latest Innovation Could Transform Its Growth Trajectory

SoFi Technologies launched SoFi Coach, an AI-powered financial assistant that allows users to link accounts and receive personalized financial insights. Despite a 31.7% stock decline in 2026, the company continues strong fundamentals with 14.7 million customers (up 35% YoY) and 41% adjusted net revenue growth. Early testing shows 70% of users took action to improve finances, with potential for cross-selling opportunities as the AI tool evolves.