"SoFi has been punished. Shares are down 38.81% year to date and 49.4% from the October 2025 high near $31.66, despite fundamentals that keep improving. Q1 2026 revenue came in at $1.10 billion (up 41% YoY on an adjusted basis), GAAP net income more than doubled to $166.7 million, and loan originations hit a record $12.18 billion, up 68% YoY. Members grew 35% to 14.7 million."
"Yet SOFI fell 15.44% on earnings day after merely meeting EPS at $0.12, with traders fixating on the Technology Platform segment's 27% revenue decline tied to a single large client departure. From $32 to $16: What Just Happened to SoFi SoFi has been punished. Shares are down 38.81% year to date and 49.4% from the October 2025 high near $31.66, despite fundamentals that keep improving."
"The bull case rests on durable compounding. CEO Anthony Noto told investors SoFi just delivered its "18th consecutive quarter of the Rule of 40 with a score of 72%" and called the company "in a class of one." Management guides 2026 adjusted revenue to $4.655 billion (~30% growth) and a medium-term adjusted EPS CAGR of 38-42%."
"Catalysts stack up. The SoFiUSD stablecoin (the first national bank stablecoin on a public permissionless blockchain), the Mastercard settlement partnership, Big Business Banking, and the relaunched SoFi Plus at 4.5% APY all expand the revenue surface. The Loan Platform Business added $3.6 billion in commitments in Q1. Our five-year bull case projects $41.56 by May 2031, a 159.43% return that hits the $32+ doubling threshold by 2029."
SoFi shares have fallen sharply despite improving fundamentals. Q1 2026 revenue reached $1.10 billion, up 41% year over year on an adjusted basis, while GAAP net income rose to $166.7 million. Loan originations hit a record $12.18 billion, up 68% year over year, and members increased 35% to 14.7 million. The stock dropped after earnings due to meeting EPS and concerns about a 27% decline in the Technology Platform segment tied to a large client departure. The bull case centers on durable compounding, including an 18th consecutive quarter of the Rule of 40 at 72%, 2026 adjusted revenue guidance of $4.655 billion, and medium-term adjusted EPS CAGR of 38–42%. Catalysts include SoFiUSD stablecoin, Mastercard settlement partnership, Big Business Banking, SoFi Plus at 4.5% APY, and Loan Platform commitments.
#fintech #sofi-technologies #stock-price-prediction #earnings-and-revenue-growth #stablecoin-and-partnerships
Read at 24/7 Wall St.
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