SoFi shares have shed nearly a third of their value in 2026 even as the fintech keeps posting record numbers, and that gap between price and fundamentals points to a scenario Wall Street has not fully priced in yet.
SoFi Technologies remains a Strong Buy, with robust member growth, accelerating cross-sell, and sector-leading revenue expansion justifying a premium valuation. SOFI's cross-selling strategy has driven product-per-member to a record 1.54x, with new customers adopting over two products on average, enhancing ARPU and operating leverage. Updated projections see SOFI reaching $10B in revenue and $1.42 EPS by 2030, supporting a $28.5–$34.2 price target and 67–100% upside from current levels.
Today's fintech selling is precisely targeted at the two names in the group that carry consumer credit on their own balance sheets, and the ordering inside the trio proves it.
SoFi Technologies, Inc. remains a Buy as the business pivots toward fee-based revenue and leverages its deposit base as a rate hedge. Management raised 2024 revenue guidance to $4.75–$4.85B but held profit targets flat, reinvesting incremental revenue into growth initiatives. Fee-based revenue reached 39% of total, with the Loan Platform Business enabling growth without adding credit risk to SOFI's balance sheet.
SoFi's product flywheel gains traction as cross-buy rises, non-lending products expand, and fee-based growth broadens its financial-services model.
Watch more: Monday Conversation With SoFi's Kathleen Pierce-Gilmore Former Visa executive Kathleen Pierce-Gilmore is three months into her new role as president of SoFi Technology Solutions.
SoFi Technologies (SOFI) reported earnings 30 days ago. What's next for the stock?
SOFI's paid membership gains early traction, with cross-selling and product adoption central to its growth ambitions.
SoFi remains a Strong Buy, supported by steady top- and bottom-line growth and improving fundamentals. SOFI has outperformed the benchmark, rising 15% recently, and trades at a 15-month forward P/E of 23x. Eleven consecutive quarters of meeting or beating analyst expectations bolster confidence in management and justify a premium valuation.
SOFI's SoFiUSD push moves into real-world payments, with 24/7 transfers and an initial $300 million liquidity pool.
The stablecoin trade is spilling out of pure-crypto names and into fintech on Tuesday, with the SoFiUSD link putting SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) squarely in the same bid that's lifting exchanges.
SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) has set up attractively after a brutal first half of 2026.