SOFI Stock To $30: Retail Bets On Big Comeback — Is Wall Street On The Same Page?

• Only 15% of those who voted in the poll said it would be under $20 in the next 12 months.
• Meanwhile, Wall Street pegs the 12-month average price target for SOFI at $20.58, about 31% below retail expectations. 
• Of the 23 analysts, seven rate SOFI stock ‘Buy’ or higher, 12 rate it ‘Hold’, and the rest rate it ‘Sell’ or lower. 

Shares of SoFi Technologies Inc. (SOFI) have tumbled nearly 34% in 2026, but retail traders are optimistic about a turnaround. 

Based on a Stocktwits poll that sought to gauge where retail traders believed the fintech company's shares would be in the next 12 months, over half of the 1,200 voters said they expected the shares to breach $30. 

SOFI stock last traded above $30 in the intraday session of early Dec. 2025. The company's shares are currently at $18.13, based on the last closing price. 

Last week, Goldman Sachs raised the price target on the company to $21 from $17 and maintained a ‘Neutral’ rating on the shares, noting that the broader macroeconomic backdrop is favorable for the consumer fintech space, according to TheFly. 

SoFI Performance: What Recent Earnings Reveal

For the first quarter (Q1) of 2026, the fintech firm reported revenue of $1.1 billion, up 43% year over year and above Wall Street’s estimates. Earnings per share came in at $0.12, in line with consensus estimates. 

SoFi also reported adding a record 1.1 million new members, bringing the total to 14.7 million, up 35% from a year ago.

In the second quarter (Q2), the company expects to deliver adjusted net revenue growth of roughly 30% and an adjusted net income margin of around 12% to 13%. Meanwhile, Wall Street expects SoFi to post EPS of $0.11 on revenue of $1.12 billion, according to Fiscal.ai consensus estimates. 

What’s Retail Thinking About SoFi?

On Stocktwits, retail sentiment around SOFI stock was in the ‘neutral’ territory at the time of writing amid ‘high’ message volumes. 

The poll found that 53% of those who voted believe SOFI shares will be over $30 in the next 12 months, while 18% voted for the range of $25 to $29.99. Meanwhile, only 15% of poll respondents said it would be under $20. 

One bullish user said, “$SOFI is becoming more than a lender. Members, deposits, products, and cross-selling are slowly building a real financial ecosystem.” 

Another bullish user said that they personally use SoFi everyday for their financial needs, adding that they were, “incredibly bullish on where this business is headed.”

A third user said that a short squeeze was highly unlikely, adding that investors should “Just keep buying and holding.”

SOFI Stock: Wall Street Stance 

Meanwhile, Wall Street is less bullish on SOFI than retail investors are. 

According to Koyfin data, the 12-month average price target for SOFI is $20.58, about 31% below retail expectations. However, the target still implies an upside of about 13.5% from current levels. 

Of the 23 analysts, seven have a rating of ‘Buy’ or higher on the stock, while 12 have a ‘Hold’ rating. The rest rate SOFI stock a ‘Sell’ or lower. 

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