1. SoFi Technologies' valuation is excessively high with aggressive growth assumptions unsupported by fundamentals and competition. 2. SOFI faces intense competition from both traditional financial giants and fintech companies, posing risks to its growth strategy. 3. Despite profitability in 2024, SOFI's slowing revenue growth and high competition make long-term aggressive growth challenging. The DCF model and valuation ratios suggest significant downside potential, justifying a SELL rating due to high risks and uncertainties.