SoFi Technologies shares have dropped 41.75% year to date in 2026, yet the company posted record Q2 loan originations of $14.8 billion and GAAP net income of $156.59 million, up 61% year over year. A five-year bull case targets $49.31 by July 30, 2031, implying a 227.9% gain from the current $15.25 price, contingent on sustaining 30%-plus member growth, delivering on a guided 38% to 42% adjusted EPS compound annual growth rate through 2028, and stabilizing the Technology Platform segment which fell 23% year over year after a large client departure. Wall Street consensus is split with a $20.63 average target and only 33% of analysts rating the stock a buy, while the base case estimate stands at $20.14. Key risks include a potential credit cycle turn that could spike charge-offs and recent net insider selling across 80 transactions.
SoFi Technologies Inc.Analyst bull case targets $49.31 by 2031, implying 227.9% upside from current price.