Can SoFi Hit $50 by 2030?

SoFi minted a stablecoin on a public blockchain and partnered with Mastercard for global settlement. Shares fell about 40% year to date and trade near $15.69. Q1 results showed $12.18 billion in loan originations, up 68% year over year, and management guided to $4.655 billion in adjusted net revenue for 2026. Revenue declined in the Technology Platform segment after a large client departure, and personal loan annualized charge-offs rose from 2.80% to 3.03%. Student loan charge-offs increased to 0.65% from 0.47%. Analysts show limited optimism with an average target around $21.10, while the model projects $25.19 base value and a $41.22 optimistic 2030 target. Reaching $50 would require substantial multiple expansion despite compounding EPS growth.

"SoFi Technologies minted its own stablecoin on a public blockchain and signed Mastercard to settle it globally. Yet shares are down 40.07% year to date and trading at $15.69. The Q1 earnings report showed $12.18 billion in loan originations, up 68% year over year, and management is guiding to $4.655 billion in adjusted net revenue for 2026. Can this stock realistically print $50 by 2030?"

"The selloff stems from two things investors hate: multiple compression and a credit scare. Technology Platform revenue fell 27% year over year after a large client departed, and personal loan annualized charge-offs ticked up sequentially from 2.80% to 3.03%. Student loan charge-offs rose to 0.65% from 0.47%. Add a beta of 2.126 to a rate-sensitive lender and you get violent moves. Shares are down 19.54% over the past month even though they bounced 2.48% last week."

"The consensus is lukewarm. 3 strong buys, 5 buys, 12 holds, 2 sells, and 2 strong sells, with an average target of $21.10. Our base case predicted price is $25.19 with a high confidence score of 90%, with a conservative case of $17.96 and an optimistic 2030 target of $41.22. Analysts appear anchored to recent credit results. Only 33% are bullish, yet management is guiding to a 38% to 42% adjusted EPS CAGR through 2028."

"Reaching $50 from today's price of $15.69 would require a gain of 218.7%. With forward EPS of $0.56, a price of $50 implies a forward P/E of 89x. Our base case of $25.19 already implies 36x means the bold target requires 54x of additional multiple expansion on today's earnings. That sounds extreme until you compound the EPS line. At the midpoint of management's 38% to"

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