SoFi Technologies’ stock has fallen to $18.22 as the fintech company faces broader market headwinds despite posting record operational results, leaving investors torn between the company’s strong execution and sector-wide challenges.

The stock is down roughly 30% year to date, according to Yahoo Finance, a sharp decline that stands in stark contrast to SoFi’s Q1 2026 performance. The company reported record adjusted net revenue of $1.1 billion, up 41% year-over-year, along with record personal loan originations of $8.3 billion and net income growth of 134%, per SEC filings and financial reports.

Yet when SoFi reported these results on April 29, 2026, shares fell 12% in early trading after the company left its 2026 revenue…