SOFI

SOFI bets on SoFi Coach to deepen member engagement, drive cross-buying and unlock new opportunities across its financial ecosystem.

SOFI is showing improving technical strength after breaking out of a bullish flag, potentially setting up a larger move above $20.13 and an end to its correction.

Piper Sandler analyst Patrick Moley initiates coverage at Overweight, arguing that SoFi ‘deserves a premium multiple to peers.'

Shares of SoFi Technologies Inc (NASDAQ:SOFI) are up 1.5% to trade at $18.56 this morning, after landing fresh coverage from Piper Sandler.

SoFi Technologies remains a 'buy' as rapid innovation and robust membership growth drive outsized revenue and profit expansion. SOFI posted Q2 revenue of $1.22B, up 42.6% year-over-year, with net income and EBITDA also surging significantly. Memberships reached an all-time high of 15.81 million, fueling a flywheel effect with increased products per member and new product launches.

SoFi Technologies, Inc. is re-rated to Buy from Strong Buy, reflecting robust lending and financial services but persistent tech platform underperformance. Lending drives SOFI's growth, with Q2'26 loan originations up 69% YoY and risk-adjusted margins at 6.1%, far above industry averages. The Financial Services segment shows strong cross-selling and deposit growth, but margin compression due to rising operating expenses limits profitability leverage.

SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) just delivered what CEO Anthony Noto called “a clear inflection point” for the business.

I maintain a Strong Buy rating on SoFi Technologies , Inc. (SOFI) with a fair value range of $22–$26 per share. SOoFi's Q2 showed 40% YoY adjusted net revenue growth, 44% adjusted EBITDA growth, and record originations, with the LBP still growing despite a private credit funding freeze. The bank charter enabled SoFi to absorb wholesale funding disruptions, fund loans more cheaply, and maintain robust growth in originations and deposits.

SoFi Technologies (SOFI) presents a compelling value opportunity post-correction, with strong Q2 results and robust analyst support. Q2 2026 delivered ~40% YoY adjusted net revenue growth, record loan originations, and positive member/product trends, underpinning the ROTCE growth thesis. Current ROTCE stands at ~7%, with a long-term target of 20–30%, driven by redeployment of excess capital and a 6.1% risk-adjusted loan margin.

Technology Platform revenue rose 13% sequentially but remained 23% lower year over year as Galileo's margins continued deteriorating. Management raised 2026 revenue guidance to $4.75-$4.85 billion but kept EBITDA and earnings guidance unchanged, prioritizing reinvestment over margins. Lending remained the primary earnings engine with record $14.8 billion originations, while member growth and cross-buy continued strengthening the consumer ecosystem.