It hasn't been a pleasant ride for SoFi Technologies (SOFI -5.00%) investors. As of this writing, the shares trade about 74% below their all-time high. With the shares now trading for less than $7, is SoFi stock worth buying? To find out, let's consider both the bear and bull cases. When analyzing financial services businesses, I am always reminded of just how intensely competitive the industry is. Basic products and services -- like checking and savings accounts, brokerages, credit cards, and various types ...