Long-term investors should buy SoFI (SOFI) stock, according to investment bank William Blair. SOFI poses relatively little risk and can exploit its fairly unique products if a recession arrives, William Blair asserted.

Low Risk and Unique Offerings

SOFI's funding risk is relatively low because the company pays high interest rates on its deposits, while it has taken multiple steps to ensure that it will not be hit by high default rates, William Blair reported.

A professional banker shaking hands with an entrepreneur in a boardroom setting.

Meanwhile, if a recession occurs, the fintech firm will probably focus on its rare fee-based products, the investment bank asserted. Among the offerings in this category are interchange revenue, loan fees, and platform lending.

If the company starts moving more quickly than expected towards these products, the valuation of SOFI stock could climb, William Blair believes.

 More Information About SOFI Stock

Analysts on average expect the company's earnings per share to climb to 26 cents this year and 45 cents in 2026 from 15 cents in 2024.

In the last month, the shares have dropped 9%, while they are down 25% in the last three months.

While we acknowledge the potential of SOFI, our conviction lies in the belief that AI stocks hold greater promise for delivering higher returns, and doing so within a shorter timeframe. There is an AI stock that went up since the beginning of 2025, while popular AI stocks lost around 25%. If you are looking for an AI stock that is more promising than SOFI but that trades at less than 5 times its earnings, check out our report about this cheapest AI stock.

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Disclosure: None. This article is originally published at Insider Monkey.