---
title: "SOFI vs. AFRM: Analysts Are More Bullish on One Fintech Stock; But See Higher Upside in Another"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/291689086.md"
description: "Wall Street analysts exhibit divergent views on fintech stocks SoFi Technologies and Affirm. While analysts are more bullish on Affirm's near-term setup due to its BNPL focus, they believe SoFi offers greater upside potential from current levels as a full-stack digital bank."
datetime: "2026-07-03T23:25:44.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/291689086.md)
  - [en](https://longbridge.com/en/news/291689086.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/291689086.md)
generator: "portal-rs"
---

# SOFI vs. AFRM: Analysts Are More Bullish on One Fintech Stock; But See Higher Upside in Another

SoFi Technologies (SOFI) and Affirm (AFRM) are both well-known names in the fintech space, but Wall Street sees them very differently right now. Analysts are more bullish on Affirm's near‑term setup, while many still believe SoFi offers the bigger upside from current levels.

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Affirm is a major player in the buy now, pay later (BNPL) market and targets short-term, point-of-sale financing. Meanwhile, SoFi is a full-stack digital bank that earns revenue through net interest income from loans and cross-selling financial products to its members.

### Related Stocks

- [AFRM.US](https://longbridge.com/en/quote/AFRM.US.md)
- [SOFI.US](https://longbridge.com/en/quote/SOFI.US.md)
- [AFRU.US](https://longbridge.com/en/quote/AFRU.US.md)
- [SOFX.US](https://longbridge.com/en/quote/SOFX.US.md)
- [SOFA.US](https://longbridge.com/en/quote/SOFA.US.md)

## Related News & Research

- [Sofi Stock Is Failing to Break $20 This Year, but You Shouldn’t Give Up Yet](https://longbridge.com/en/news/297219161.md)
- [SoFi (SOFI) Stock Could Be Above Fair Value After A 116% Run](https://longbridge.com/en/news/298012029.md)
- [Does Strong Q2 Beat And Rising Fee Revenue Change The Bull Case For SoFi Technologies (SOFI)?](https://longbridge.com/en/news/297406416.md)
- [Affirm’s Heavy Reliance on Third Parties Raises Regulatory and Compliance Risks](https://longbridge.com/en/news/297474515.md)
- [SoFi, Payward Team up to Connect Banking and Crypto Markets — Stock Trending](https://longbridge.com/en/news/298048535.md)

---
> **Disclaimer: This article is for reference only and does not constitute any investment advice.**