SoFi’s members have climbed 518% in five years, while the stock is down 21%, highlighting a sharp gap between operating growth and market performance. Shay Bolo

SoFi’s members have climbed 518% in five years, while the stock is down 21%, highlighting a sharp gap between operating growth and market performance. Shay Boloor says investors are overpricing credit risk and underpricing the platform’s expanding value.