Key Stats for SOFI Stock
- Past week’s performance: 18.2%
- 52-week range: $15 to $33
- Valuation model target price: $32
- Implied upside: 75% over 2.4 years
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Record Members, Record Loans: SoFi’s Big Quarter
SoFi Technologies (SOFI) climbed sharply this week after posting one of its strongest quarters on record. Adjusted revenue rose 40% year over year to about $1.2 billion, beating estimates near $1.12 billion, and the company raised its full-year 2026 adjusted net revenue guidance to a range of $4.75 billion to $4.85 billion. That new range implies growth of roughly 32% to 35% for the year.
SoFi added a record 1.1 million new members in the quarter, lifting total membership 35% year over year to 15.8 million. Loan originations also hit an all-time high of $14.8 billion, spanning personal, student, and home loans. That breadth matters, since it shows growth isn’t concentrated in just one lending category.
CEO Anthony Noto struck a confident tone on the call. He described the quarter as nothing short of exceptional, pointing to a combined growth and profitability score of 70, built from 40% revenue growth and a 30% adjusted EBITDA margin. That combination of fast growth and improving profitability is exactly what investors want to see from a fintech scaling toward maturity.
Even so, management held its adjusted net income and EPS guidance steady rather than raising it alongside revenue. If SoFi’s cross-selling engine continues to convert new members into multiple products, profit guidance may catch up in future quarters.
See how SoFi’s record originations compare with its Guided Valuation Model on TIKR >>>
Is SoFi’s Growth Outrunning Its Price Tag?
Under valuation model assumptions realized through 12/31/28, the stock is modeled using:
- Revenue Growth (CAGR): 26.9%
- Operating Margins: 24.7%
- Exit P/E Multiple: 25.0x
Based on these inputs, the model estimates a target price of $32, implying 75% total upside and a 26.1% annualized return over the next 2.4 years.
SoFi’s valuation model points to a stock that still looks undervalued relative to its own growth trajectory. A 26.1% projected annual return sits well above the 15% threshold many investors use to flag a name as undervalued rather than fairly priced.
The company’s shift toward profitability supports that case. SoFi posted its 11th straight profitable quarter, and margins are expanding as fee-based revenue from its loan platform business grows alongside traditional lending. That diversification reduces SoFi’s reliance on any single product line for growth.
Compared to its own trading history, SoFi’s current 25x NTM P/E sits well below where the stock traded a year ago, even as fundamentals have improved. That combination of cheaper multiples and stronger execution is what tends to draw in value-conscious growth investors.
The main risk is credit quality as originations scale this fast. If delinquencies rise alongside loan growth, the market could quickly reprice the stock lower, since fintech lenders are especially sensitive to credit cycle shifts.
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SoFi vs. the Fintech Field: A Growth and Margin Comparison
SoFi’s clearest public comparison is Robinhood (HOOD), another fast-growing consumer fintech platform. Robinhood posted Q2 2026 net revenues of $1.31 billion, up 32% year over year, slightly below SoFi’s 40% growth pace. Robinhood’s adjusted EBITDA margin came in near 57%, nearly double SoFi’s 30% margin, reflecting Robinhood’s lighter-weight trading model versus SoFi’s balance-sheet-heavy lending business.
That difference in business mix matters for how each company scales. Robinhood earns most of its revenue from trading activity and interest income, which requires less capital than direct lending. SoFi, by contrast, originates loans directly, which drives faster top-line growth but ties up more capital and carries more credit risk.
SoFi’s edge is its all-in-one banking model, blending lending, deposits, and investing under a single membership. That cross-selling flywheel, evidenced by 51% of new product signups coming from existing members, gives SoFi a stickier customer base than pure trading platforms.
Both stocks currently trade at premium multiples relative to legacy banks, as investors price in continued market share gains from younger, digital-first customers.
See how deposit growth, lending margins, and tech-platform revenue drive the 2-year EPS path >>>
What’s Driving SOFI Stock Going Forward?
SoFi’s biggest forward catalyst is continued expansion of its loan platform business, which lets the company originate loans on behalf of other lenders without holding them on its own balance sheet. Management pointed to new partnerships in SMB and home equity lending as areas of expansion, which could add fee revenue without adding much credit risk.
Membership growth remains the second driver to watch. If SoFi keeps adding over a million members per quarter, cross-selling into SoFi Plus and SoFi Coach should keep lifting products per member, a key profitability lever.
Interest rate policy is a wildcard. Management now assumes one to two Federal Reserve rate increases in 2026, a shift from the rate cuts it originally expected. That change affects net interest margin, so any further shift in Fed policy could move SoFi’s earnings outlook meaningfully. Finally, tax rate normalization could boost EPS. The current guidance assumes a 22% tax rate, well above SoFi’s original plan, so any relief there would flow straight to the bottom line.
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Should You Invest in SoFi?
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
