Three Sub‑$50 Stocks to Consider Buying This July

• SoFi reported a 68% jump in record loan originations, and Nu Holdings saw revenue rise 58% serving 135 million customers across Latin America.

• Pinterest exceeded Q1 EPS forecasts by 25% and currently trades at a forward P/E of 13, aligning with its mid‑teen revenue growth.

Building a position with limited capital grows more challenging each year as index leaders command three‑ and four‑figure prices. Consequently, sub‑$50 stocks with solid fundamentals become increasingly attractive, not less so. Three U.S.–listed companies meet the criteria this month: each trades below $50, posted double‑digit revenue growth in its latest quarter, and enjoys constructive Wall Street consensus. Two are digital banks scaling toward profitability, while the third is a visual‑search platform whose AI‑driven advertising engine is beginning to reflect in its results.

Here’s the investment thesis for each, along with the factor that keeps their valuations reasonable.

SoFi Technologies

SoFi Technologies (NASDAQ:SOFI) traded near $16.84 on Friday, July 17, well below its 52‑week high of $32.73 and down 38.7% year‑to‑date. That pullback creates an attractive entry point, as the underlying franchise continues to accelerate.

In Q1 2026 SoFi generated $1.10 billion in revenue, up 6.1% year‑over‑year and beating consensus by 4.9%, with EPS of $0.12 matching estimates. GAAP net income rose to $166.7 million, more than double the prior year, while loan originations hit a record $12.18 billion, a 68% increase. The member base expanded 35%, and 43% of new products came from existing users — a cross‑sell indicator few digital rivals can replicate. Deposits totaled $40.24 billion, covering over 90% of liabilities and lowering the cost of funds by 48 basis points.

CEO Anthony Noto summarized the quarter: “We had an excellent Q1, delivering durable growth and strong returns, driven by our relentless focus on innovation and brand building.” Full‑year guidance anticipates adjusted revenue close to $4.655 billion and adjusted EPS around $0.60, with the analyst consensus price target at $20.58.

The caveat: the Technology Platform segment declined 27% following a large client departure, and personal loan charge‑offs rose to 3.03%. Additionally, the stock trades at a forward P/E of 31, reflecting expectations of continued execution.

Now Holdings

Now Holdings (NYSE:NOW) — the Latin American digital bank behind Nubank — traded near $13.60 on July 17, down 20.1% year‑to‑date but up 5.5% over the past month. This pullback has compressed the valuation multiple on one of the world’s fastest‑growing banks.

In Q1 2026 Now Holdings posted $4.97 billion in revenue, up 57.9% year‑over‑year, with net income of $871.4 million and an adjusted ROE of 31%. The customer base grew to 135 million, monthly ARPAC rose to $15.90, and the efficiency ratio improved from 21.4% to 17.6%. Mexico reached breakeven with 15 million users, and management projects digital challengers will claim 35% of the $15‑17 trillion global banking revenue pool by 2030. A planned U.S. market entry adds long‑tail optionality, with management aiming to limit annual efficiency‑ratio drag to under 100 basis points in 2026 and 2027.

Valuation sets Now Holdings apart from many hypergrowth peers. Its forward P/E stands at 19, PEG at 0.81, and the consensus price target is $17.91, supported by a rating mix tilted toward Strong Buy (6 Strong Buy, 13 Buy, 2 Hold).

The caveat: Q1 revenue fell short of consensus by 1.82%, the credit‑loss allowance surged 72% year‑over‑year to $1.79 billion, risk‑adjusted NIM narrowed from 10.5% to 9.5%, and volatility in BRL, MXN, and COP can distort reported figures.

Pinterest

Pinterest (NYSE:PINS) traded around $22.29 on Friday, down 16.1% year‑to‑date but up 9.5% over the past month as the AI‑advertising thesis regains traction. The combination of a depressed share price and solid operating momentum creates an intriguing setup.

In Q1 2026 Pinterest generated $1.01 billion in revenue, up 17.8% year‑over‑year and topping consensus estimates by 4.1%. Non‑GAAP EPS came in at $0.27, beating the $0.2165 forecast by 24.7%. Global monthly active users reached 631 million, marking the tenth straight quarter of double‑digit user growth, while Rest‑of‑World revenue jumped 59% (Europe up 27%). CEO Bill Ready noted the company is “building an AI‑powered ads platform that delivers performance for advertisers.” Q2 guidance forecasts revenue between $1.133 billion and $1.153 billion.

Forward P/E of 13 against mid‑teens revenue growth offers the cleanest valuation picture among the three, with a consensus price target of $27.78.

The caveat: Pinterest recorded a $73.6 million GAAP net loss stemming from restructuring charges and elevated share‑based compensation of $231.45 million; cash declined from $969 million to $378 million after a roughly $2 billion share‑repurchase; and securities‑class action lawsuits linked to earlier tariff‑related advertising disclosures remain pending.

The Investment Thesis

All three trade well under $50 and each presents a distinct investment thesis: SoFi as a scaling digital bank that is beginning to show profitability; Nu Holdings as a global consumer‑finance compounder; and Pinterest as an AI‑driven advertising turnaround benefiting from international monetization tailwinds. The recent share‑price weakness provides the entry point, while the outlined caveats help keep the valuations reasonable.

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