"Similar to the trends we are seeing across our broader software coverage, CRM is expected to face easier revenue comps in the C2H23." Oppenheimer reiterates SoFi as outperform Oppenheimer said investors should buy the dip in shares of SoFi. "Bears have been focused on potential unrealistic FV (fair value) assumptions, FV mark impacts, and now cost accounting being forced on the company. Although we can't predict an accounting change, our underlying industry data suggests SOFI's FV mark methodology is sound."