SoFi Technologies (SOFI) reported a 40% year-over-year increase in adjusted net revenue to $1.2 billion in Q2, with net profit up 65% to $160 million, and customer count reaching 15.8 million, yet its stock price has fallen 30% over the past 12 months. Management projects full-year revenue growth of 32% to 35% in 2026 compared to 2025, and expects adjusted EPS to grow 38% to 42% from 2025 to 2028. Analysts believe that despite strong fundamental performance, market concerns about credit risk, particularly the rapid growth in personal loan business potentially accompanied by relaxed lending standards, are weighing on the stock price.