Strong growth in its fee-based, capital-light businesses helps diversify revenue beyond lending, reduces credit risk, and supports a higher valuation. More News from BarchartNotably, SoFi stock has underperformed the broader markets so far in 20026, with its stock declining 34.69% year-to-date (YTD). SoFi Q2 Earnings: Here's What to ExpectDespite the significant drop in its share price this year, SoFi continues to deliver strong operational growth. The company's expanding member base and growing adoption of multiple financial products are expected to remain key drivers of revenue growth in Q2. During the first quarter, SoFi added a record 1.1 million new members, lifting its total membership by 35% year-over-year (YOY) to 14.7 million.