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SoFi has been hard to categorize, and the market doesn’t like ambiguity. But as the company continues to deliver results, and as more fintechs go public, the contrast could become unavoidable. If Chime launches with a rich valuation, it might force analysts to take a fresh look at SoFi—especially if SoFi continues outperforming across all key verticals.

Still, there are risks. But none of these risks erase the progress made so far.

Consistent execution by SoFi

Chime IPO could reframe fintech valuations

Interest rates could impact lending

Weak Chime IPO = sector pressure

Tech platform delays could hurt momentum