SoFi Stock: What Wall Street Expects from Earnings July 29

TLDR

• SOFI stock is down 37% year-to-date but Q1 2026 net income jumped 134% year-over-year
• Q2 2026 earnings are due July 29; Wall Street expects EPS of $0.11 and revenue of ~$1.11 billion
• Options traders are pricing in a move of over 10% in either direction post-earnings
• Truist analyst Matthew Coad holds a Hold rating with a $18 price target, flagging concerns over loan platform growth and competition
• Wall Street’s consensus is Hold, with an average price target of $21.20 — implying 29% upside from current levels

SoFi Technologies (SOFI) heads into its Q2 2026 earnings report on July 29 with its stock trading at $16.46 — down 37% year-to-date and roughly 50% off its 2026 highs.

SoFi Technologies, Inc., SOFI

That’s a wide gap between the stock price and what the business has actually been doing.

Q1 2026 showed record loan originations of $12.18 billion, up 68% year-over-year. GAAP net income came in at $166.73 million, a 134% jump from the same period last year. Operating income rose over 150%.

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