SoFi Technologies (SOFI) stock has been sliding in 2026 despite strong Q4 results. Analysts at Citizens JMP believe the stock could climb over 40% this year. SoFi, founded in 2011, offers online financial services and has 13.7 million members. Shares are down 19.1% this year, underperforming the S&P 500.

Q4 results showed strong growth for SoFi, with total net revenue up 40% to $1.03 billion. SoFi added 1 million new members and reached a billion-dollar revenue milestone. Adjusted net income jumped 160% year-over-year to $174 million, and the company expects continued growth in 2026.

Citizens JMP upgraded SoFi to “Outperform” with a $30 price target, citing a buying opportunity. Wall Street remains divided, with a consensus “Hold” rating. Analysts see potential upside, with an average price target of $27.32, implying a 29% increase. Some targets suggest a 79% rally is possible.

Read more at Yahoo Finance: Why This Analyst Is Betting SoFi Stock Can Gain 40% in 2026