SoFi's Latest Innovation Could Transform Its Growth Trajectory

SoFi Technologies has launched SoFi Coach, an AI-powered chat that the company says can act as a personal financial planner by delivering personalized insights. The tool debuted on June 2 and lets users link their financial accounts to SoFi, then ask questions about spending behavior, savings goals, investment allocations, and debt repayment. As examples mentioned in the release, members could ask how much they spent on restaurants last month or whether they could afford a $500,000 home in five years based on their current savings rate. SoFi reported that early testing involved nearly 70% of test members taking actions to improve their finances. Despite the stock being down 31.7% in 2026 as of June 26, the article highlights business momentum: 14.7 million customers as of March 31 (+35% year over year) and 41% higher adjusted net revenue, with executives targeting a 30% top-line rise in 2026.