SoFi's Price Has Already Made A Call Its Earnings Haven't

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. I maintain a measured Buy rating, recognizing valuation risks at ~2.3x tangible book and potential credit quality headwinds in an untested loan book. FredFroese/iStock via Getty Images The markets have been dicey about how to price SoFi Technologies ( SOFI ) in the past few days since the Q2 2026 results have come in. The price charts below (1 year and 5 day returns) show This article was written by The Alpha Analyst 4.84K Followers Follow I am a stock analyst with over 20 years of experience in quantitative research, financial modeling, and risk management. My focus is on equity valuation, market trends, and portfolio optimization to uncover high-growth investment opportunities. As a former Vice President at Barclays, I led teams in model validation, stress testing, and regulatory finance, developing a deep expertise in both fundamental and technical analysis. Alongside my research partner (also my wife), I co-author investment research, combining our complementary strengths to deliver high-quality, data-driven insights. Our approach blends rigorous risk management with a long-term perspective on value creation. We have a particular interest in macroeconomic trends, corporate earnings, and financial statement analysis, aiming to provide actionable ideas for investors seeking to outperform the market.