Down 50% From 2026 Highs, Should You Buy Sofi Before July 29 Earnings?

Down 50% From 2026 Highs, Should You Buy Sofi Before July 29 Earnings? Thomas Richmond Sat, July 25, 2026 at 6:02 PM GMT+2 3 min read SOFI NVDA LC UPST Quick Read SOFI fell 37% YTD while Q1 2026 net income jumped 134% YoY, leaving the stock at a rare PEG ratio of 0. 81.

SoFi's 14. 8% profit margin and 18. 3% operating margin crush LC and UPST, which hold no bank charter or deposit base.

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 ) enters its July 29 Q2 earnings report with a sharp disconnect between its stock and its business.

The stock is down 37. 13% year to date,  but loan originations rose 68% , net income climbed 134% , and management still expects about 30% adjusted revenue growth for the year. 24/7 Wall St.

At $16. 46 per share, the big question ahead of Q2 earnings is whether SoFi's falling stock price has created a buying opportunity. Sofi Stock Is Falling While Profits Climb 135% Q1 2026 delivered record loan originations of $12.

18 billion, up 68% YoY, GAAP net income of $166. 73 million, up 134. 45% YoY, and operating income up 150.

12%. Members grew 35% YoY, and 43% of new products came from existing members, the cross-sell flywheel management has spent five years engineering. Full-year 2026 guidance calls for $4.

655 billion in adjusted net revenue (about 30% growth) and $0. 60 in adjusted EPS, with medium-term guidance for a 38% to 42% adjusted EPS CAGR through 2028. A 28x P/E Looks Cheap Against 38% to 42% EPS Growth SoFi trades at a forward P/E of 28 with a PEG ratio of 0.

81. While banks typically command lower earnings multiples than the broader market, SoFi's sub-1 PEG ratio suggests its valuation remains attractive relative to its growth.  The analyst consensus price target sits at $20.

58 vs the stock's current price of $16. 46 , and SoFi has now met or beaten estimates for seven consecutive quarters. 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's Bank Charter Gives It an Advantage Rivals Cannot Match Investors reaching for cheaper fintech exposure might look at LendingClub ( NYSE:LC ) or Upstart Holdings ( NASDAQ:UPST ).  LendingClub carries a forward P/E of 12, but its quarterly revenue growth is 12.

5% YoY, a fraction of SoFi's. Upstart is more expensive at a forward P/E of 36 on a 4. 21% profit margin and a 0.

9% operating margin, but the business lacks a bank charter or a deposit base. SoFi's 14. 8% profit margin and 18.

3% operating margin show the business has strong quality, though investors have to pay up for it with the stock trading at a 28x forward P/E. Story Continues The Two Risks Investors Must Watch on July 29 Q2 Earnings The Technology Platform segment fell 27% YoY on a large client departure, and personal loan charge-offs ticked up sequentially to 3. 03% from 2.

80%. Both are manageable against the broader setup, but are worth watching further. Deposits of $40.

24 billion now fund over 90% of liabilities, cost of funds fell 48 basis points, and net income more than doubled in the same quarter. If charge-offs remain controlled and SoFi maintains its 2026 outlook, the current valuation could represent one of the more attractive growth setups in fintech. 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 . Contact editorial@247wallst. com for any questions or corrections.