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SoFi posts record loan growth and raises guidance, yet stock down 39% YTD, signaling undervaluation.

Company Fundamentals
30 Sep 2026
24/7 Wall Street
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Bullish
SoFi posts record loan growth and raises guidance, yet stock down 39% YTD, signaling undervaluation.

SoFi reported record loan originations of $14.8 billion, a 69% increase, and raised its full-year revenue guidance to $4.75-$4.85 billion. Despite beating earnings and revenue estimates, the stock is down 39% year to date, trading well below its 52-week high. The company’s growth is driven by strong cross-selling to existing members and a growing subscriber base for its SoFi Plus service. Analysts see potential upside with a price target of $18.07, reflecting a 13.4% gain, while bulls are optimistic about reaching $24 or more if growth continues and credit quality holds steady.

SoFi Technologies trades at USD 15.97 on Pluang as of Sep 30, 2026 20:42 WIB, close to its 52-week low of USD 15.15. Despite the stock's 39% year-to-date decline noted in the article, Pluang shows a positive 1-day change of +0.38% and a market cap of $20.55 billion. The platform data highlights a strong buyer interest with 68% of order activity being buys, reflecting ongoing investor engagement amid SoFi's growth narrative.

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