This wonderful stock is to buy a deal

The stock market on the Nasdaak Stock Exchange is officially entered into a correction area, with Nasdak (Nasdaqindex: ^IXIC) It has decreased by about 14 % of its highest level in recent times and I am writing this. Although recent fluctuations can definitely be frightening, they can also create opportunities to buy investors in the long term of the patient.

One of the shares that seem interesting in particular is banking disruption Sufi techniques (Nasdak: Sophie). Although he entered 2025 with excellent momentum, the stock has lost more than a third of its value in the past six weeks, and this may be a great time for investors to take a closer look.

I will not deal with Sugarcoat that: Sofi stock scheme looks scary. But if we ignore the performance of the Sofi share price a little and simply look at the performance of its business, it draws a very different image.

In 2024, SOFI has grown 26 % to the highest level ever, and produced the highest modified profits before interest, taxes, depreciation and extinguishing (EBITDA); Modified profits for one stock (EPS); And net income in its history. Although he is still in a growth mode, it was the first full year of the company of profitability, and although Sofi is definitely trading against its installments, the bank grew 39 % concrete book in 2024.

Sophie finished 2024 with 10.1 million members, and more than 34 % of what it was at the end of the previous year. It reached $ 25 billion of deposit, a particularly impressive landmark, given that Sophie had no banking charter until 2022.

In addition, Sophie grows in ways that can get wonderful fruits in the long run. She quickly limits her loan platform work, which creates loans on behalf of third -party lenders, and she makes referrals, creating a low source of fees. Moreover, Galileo Technology Platform is accelerated, and it has recently signed a processing deal for Direct Express Federal Vives.

Credit cards are another field to see. Sofi launched two new credit card in the fourth quarter, Sofi everyday Cash Rewards and Sofi Essential. Both are solid products, and there may be many others in the future.

For example, SOFI has a somewhat wealthy member base, and therefore an excellent credit card or a travel credit card with its members can echo. The nature of high -benefit credit cards can create some attractive margins, so I am excited to see this part of the work develops.

In the future, Sofi expects revenue growth about 25 % in 2025, and the growth of the diluted EPS is about 73 %. Keep in mind that this is a company that has a strong history of excessive direction.