Skip to navigationSkip to main contentSkip to right columnADVERTISEMENTVandita JadejaTue, August 11, 2026 at 5:30 PM GMT+2 4 min readQuick ReadSOFI posted 61% YoY net income growth and record $14.80B loan originations in Q2, yet shares remain down 31% YTD.Wall Street's $19.87 consensus anchors too low, given that SOFI's 40% earnings growth and a PEG under 1 justify meaningful multiple expansion.Noto targets 1 million SoFi Plus subscribers generating $120M annually, a milestone that alongside EPS growth makes $30 achievable by 2027.Act now: the analyst who called NVIDIA in 2010 just named his top 10 AI stocks — and SoFi Technologies didn't make the cut. Grab the names FREE today.SoFi Technologies (NASDAQ:SOFI) just delivered what CEO Anthony Noto called "a clear inflection point" for the business. Q2 revenue hit $1.218 billion, GAAP net income was $156.59 million (up 61% YoY), and loan originations set a record at $14.80 billion.chaylek / Shutterstock.comYet the stock is down 30.79% YTD. That gap between operating results and share price is the tension worth exploring. Can shares reach $30 by the end of 2027?SOFI Price Target — 24/7 Wall St.Why SoFi Shares Are Stuck Despite a Blowout QuarterRevenue is accelerating, but profit guidance is not. SoFi raised full-year revenue guidance to $4.75B to $4.85B while keeping adjusted EPS pinned at roughly $0.60. The market read that as flat profit growth despite higher revenue, punishing the stock.The Technology Platform segment fell 23% YoY after a large client departure added another overhang. A beta of 2.204 creates a stock that moves violently on disappointment.Over the past month, shares are down 3.51%, and over the past year they are down 18.01%. The business is intact, but the market will not re-rate it until profitability catches up with growth.Wall Street Sees Modest Upside. I Think They Are AnchoredThe consensus 12-month target is $19.87, sitting on 2 Strong Buys, 5 Buys, 12 Holds, 2 Sells, and 2 Strong Sells. Our model puts the base case at $21.18 with 16.89% upside and a bull case of $25.69, with a confidence score of 0.9.Act now: the analyst who called NVIDIA in 2010 just named his top 10 AI stocks — and SoFi Technologies didn't make the cut. Grab the names FREE today.The bullish contingent is only 30%, yet earnings growth is running at 40.4% YoY. Analysts are too anchored to the flat EPS guide. If SoFi delivers even modest beat trajectory into 2027, the multiple deserves to expand.SOFI Analyst Ratings — 24/7 Wall St.The Path to $30 Per ShareReaching $30 from today's price of $18.12 requires a 65.6% gain. With forward EPS of $0.65, a $30 price implies a forward P/E of 46. Our base case of $21.18 already implies 38x, meaning the bold target requires about 8x additional multiple expansion.Terms and Privacy PolicyEU DSA contactPrivacy & Cookie SettingsMore Info