SoFi Technologies, Inc. (SOFI)
SoFi's Price Has Already Made A Call Its Earnings Haven't
SoFi Technologies (SOFI) presents a compelling value opportunity post-correction, with strong Q2 results and robust analyst support. Q2 2026 delivered ~40% YoY adjusted net revenue growth, record loan originations, and positive member/product trends, underpinning the ROTCE growth thesis. Current ROTCE stands at ~7%, with a long-term target of 20–30%, driven by redeployment of excess capital and a 6.1% risk-adjusted loan margin.
SoFi's Next Rally Depends On One Missing Ingredient
Technology Platform revenue rose 13% sequentially but remained 23% lower year over year as Galileo's margins continued deteriorating. Management raised 2026 revenue guidance to $4.75-$4.85 billion but kept EBITDA and earnings guidance unchanged, prioritizing reinvestment over margins. Lending remained the primary earnings engine with record $14.8 billion originations, while member growth and cross-buy continued strengthening the consumer ecosystem.
SoFi Is Still Down 32% This Year. What Will It Take to Get SOFI Stock Back Up to $25?
Shares of SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) are up 9% to $17.82 in Monday afternoon trading, riding a broad fintech and market rally.
SoFi: More Wall St. Games
SoFi Technologies delivered 41% YoY revenue growth, and record loan originations. The flywheel effect and SoFi Plus adoption drove robust member and product growth, providing a recurring revenue stream for the future. The fintech guided conservatively due to adopting the view of up to 2 Fed rate hikes this year versus original expectations of rate cuts.
Should You Buy, Hold or Fold SoFi Technologies Stock Post Q2 Earnings?
SOFI delivers robust Q2 growth, record member and loan gains, and raises its 2026 revenue outlook despite Technology Platform pressure.
Nu vs. SoFi: Which Digital Banking Stock Is the Better Investment Now?
SoFi offers a broader revenue mix, rising fee income and strong capital, while Nu faces heavier unsecured credit and Latin America risks.
SoFi Technologies Q2: The Everything App Inflection Just Showed Up In The Numbers
SoFi Technologies delivered a record Q2 2026 with 40% revenue growth, raised full-year guidance, and posted its 11th consecutive profitable quarter. SOFI's lending, member, and product growth hit all-time highs, with cross-buy at 51% and fee-based revenue now 39% of total, supporting the 'everything app' thesis. Despite strong operational results and compounding earnings, SOFI shares sold off due to headline EPS optics, which are suppressed by a higher tax rate, not core performance.
SOFI Q2 Earnings Call Highlights Product Expansion and Guidance
SoFi Technologies expands its financial ecosystem with member growth, AI offerings, lending strength and a higher 2026 revenue outlook.
SoFi: Why I'm Buying Again
SoFi grew revenue 40% year over year to $1.2 billion, while adjusted EBITDA reached a record $358 million despite higher taxes. Member growth accelerated to 15.8 million as cross-buy improved significantly, with 51% of new products purchased by existing customers. Credit quality strengthened as annualized personal loan charge-offs declined to 3.7%, contradicting concerns about weakening underwriting standards.
Prediction: SoFi Could Become a $50 Stock On This Date
SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction | SOFI Price Prediction) has shed its 2025 gains in 2026, creating an interesting risk/reward setup in fintech.
SoFi Stock Q2 Review: The Post-Earnings Dip Is A Misunderstood Gift
SoFi Technologies is rated a Buy after Q2 results, with a 25% upside potential over 12-18 months. SOFI delivered 41% YoY revenue growth, record loan originations, and accelerating cross-buy metrics, supporting operating leverage and future EPS growth. The market's concern over slowing member growth is offset by increased product adoption per member, reducing CAC and improving margins.
SoFi Doubles Down on AI Despite Market Pullback
SoFi posted record quarterly revenue and raised its full-year sales outlook. SoFi CEO Anthony Noto discusses why the company is keeping its earnings guidance unchanged, how AI is boosting engineering productivity and customer service, and why SoFi is continuing to invest for long-term growth despite shifting expectations for interest rates.
