After a couple of years of beating the market, SoFi Technologies (NASDAQ: SOFI) has lost its momentum. What's more, there are still potential risks ahead that could send the stock even lower. Should investors buy SoFi's shares at current levels, or is it best to stay far away from the company right now? For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. The company's shares are trading at 28.1x forward earnings, versus an average of 15.2x for financial stocks.