I don't see SOFI doing a reverse stock split. A company only does a reverse stock split if they are bloated on shares and to make the stock pps more attractive to shareholders. SOFI is doing just fine without a stock split. And I haven't seen any news on SOFI doing a RS anyway and I've been following this company's news for quite some time now. If they were going to do a RS it would have been news you could find. For me no worries. A RS is usually pursued to prevent a stock from being delisted or to improve a company's image and visibility. SOFI doesn't have an image problem or visibility issue AND as far as I know the company won't be delisted.
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