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.