SoFi’s Wild Ride: $19 Price Target, Hold for Now

1 hour ago 1

Vandita Jadeja

Tue, April 28, 2026 astatine 11:15 AM CDT 4 min read

Quick Read

SoFi Technologies (SOFI) reported Q4 adjusted EPS of $0.13 beating expectations, its archetypal $1B+ gross 4th astatine $1.025B, and grounds indebtedness originations of $10.49B, but shares fell 17.76% since net arsenic investors reacted to 19 ground points of nett involvement borderline compression and idiosyncratic indebtedness charge-offs rising to 2.80%.
SoFi trades astatine a 49x guardant P/E with absorption guiding 2026 adjusted gross maturation of 30% to $4.655B and medium-term EPS CAGR of 38% to 42%, pricing successful flawless execution with constricted borderline for error.
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Few fintech stocks person whipsawed investors similar SoFi Technologies (NASDAQ:SOFI) implicit the past year. After ripping from $10.94 successful April 2025 to a 52-week precocious of $32.73, shares person fixed backmost a chunk of those gains.

Our 24/7 Wall St. terms people for SoFi is $19, implying conscionable 1.26% upside from the existent quote. Our proposal is hold, and our assurance successful this basal lawsuit is precocious astatine 90%.

24/7 Wall St. Price Target Summary

Metric

Value

Current Price	$18.76
24/7 Wall St. Price Target	$19.00
Upside	1.26%
Recommendation	HOLD
Confidence Level	90%

A Round Trip Back to Fair Value

SoFi has traveled a singular arc. Shares are up 45.65% implicit the past twelvemonth but down 28.34% twelvemonth to day and 17.76% since the Q4 2025 net filing connected January 30, 2026.

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That sell-off came contempt a cleanable print: adjusted EPS of $0.13 versus $0.11 expected and SoFi's first-ever billion-dollar 4th astatine $1.025 cardinal successful revenue. Members deed 13.7 cardinal (+35% YoY), and Q4 indebtedness originations reached a grounds $10.49 billion. Investors balked astatine the nett involvement borderline compression of 19 ground points and idiosyncratic indebtedness charge-offs ticking to 2.80%.

The Case for $25+

Bulls person a credible path. Management is guiding 2026 adjusted gross to $4.655 cardinal (~30% growth), adjusted EBITDA to $1.6 billion, and adjusted EPS to $0.60, with a medium-term EPS CAGR of 38% to 42%. The Financial Services conception grew 78% YoY, interest gross jumped 53%, and the Loan Platform Business is moving astatine a $15 cardinal annualized pace.

CEO Anthony Noto framed the setup directly: "This operation of scale, innovation, and profitability positions SoFi to thrust durable, compounding growth."

Polymarket traders delegate a 91.5% probability SoFi beats the upcoming quarterly print. The Wall Street statement people sits astatine $23.48. Our bull lawsuit projects $24.91 wrong 12 months if crypto, stablecoin, and Galileo monetization compound.

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