SoFi Price Prediction: The Stock Set for 13% Upside

SoFi Price Prediction: The Stock Set for 13% Upside Vandita Jadeja Sun, July 5, 2026 at 3:25 PM GMT+2 4 min read SOFI Quick Read SOFI trades 30% below its highs despite 18 straight Rule of 40 quarters, and 24/7 Wall St. rates it BUY with a $20. 58 target.

Q1 2026 delivered $1. 10 billion in revenue, net income up 134%, and record loan originations of $12. 18 billion, all beating estimates.

Anthony Noto has been buying SOFI shares on the open market while ARK added 200,000+ shares ahead of July 29 earnings. 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 .

Our SoFi Technologies ( NASDAQ:SOFI ) price target sits above where the stock trades today, and I think the setup into the July 29 earnings report is more constructive than the recent selloff suggests. Gumbariya / Shutterstock. com SoFi has slid 30.

33% year to date even as the underlying business posted its 18th consecutive quarter of the Rule of 40. That disconnect is where the opportunity lives. The 24/7 Wall St.

price target for SoFi is $20. 58 over the next 12 months, implying 12. 81% upside from the current $18.

24 level. Our recommendation is buy, with a high (90%) confidence score. Metric Value Current Price $18.

24 24/7 Wall St. Price Target $20. 58 Upside 12.

81% Recommendation BUY Confidence Level 90% From $28 to $15 and Back: The Setup Now SoFi peaked near $28 in October 2025 before bottoming at $15. 61 in May 2026. The stock has since clawed back 5.

43% over the past week on the Composer AI acquisition and a new small business loans platform. Q1 2026 delivered revenue of $1. 10 billion, beating consensus by roughly $51.

1M, with EPS of $0. 12 and net income up 134. 45% year over year.

Loan originations hit a record $12. 18 billion, up 68%, and members grew 35% to 14. 7 million.

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 Case for $25 and Higher Bulls have real ammunition.

Adjusted EBITDA was $340 million at a 31% margin, and 2026 guidance calls for adjusted revenue of $4. 655 billion and adjusted EPS near $0. 60.

CEO Anthony Noto framed the trajectory bluntly: "Our strategy and execution continue to be unmatched by any company I can think of at our scale. " Add the SoFiUSD stablecoin, the Mastercard settlement partnership, the Composer AI deal, and Big Business Banking, and the optionality is real. Our bull case scenario puts SoFi at $25.

72 within a year. What Could Go Wrong The bear case starts with valuation. SoFi trades at a trailing P/E of 41 versus a credit services industry closer to 23.

Personal loan charge-offs ticked up sequentially to 3. 03% from 2. 80%, student loan charge-offs rose to 0.

65%, and net interest margin compressed 63 basis points. Story Continues The Muddy Waters report from March 2026 alleged accounting misstatements and undisclosed charge-off rates. Simply Wall St.

pegs intrinsic value at $13. 84. That said, the Technology Platform's -27% segment revenue reflects one large client departure, and like-for-like growth was roughly 12% with 13 new partners signed in Q1.

Our bear scenario lands at $17. 96. The Setup Favors Owners Here The 24/7 Wall St.

price target for SoFi is $20. 58, our recommendation is buy, and confidence is high at 90%. The tipping factor is the mismatch between 30% guided growth and a stock trading closer to its 52-week low of $14.

92 than its high of $32. 73. CEO Anthony Noto has been a consistent open-market buyer, and ARK just added 200,000+ shares.

The bull thesis strengthens if the July 29 earnings report confirms roughly 30% revenue growth and stable credit. The thesis weakens if personal loan charge-offs cross 3. 5% or the Muddy Waters allegations gain regulatory traction.

Year 24/7 Wall St. Price Target 2026 $20. 58 2027 $22.

75 2028 $24. 90 2029 $26. 20 2030 $27.

53 These projections assume SoFi delivers on its 30% CAGR revenue path and continues to expand adjusted EBITDA margin. Significant upside could come from stablecoin adoption; downside risk lies with a credit cycle turn. 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.