SoFi reported strong Q1 revenue of $1.1B and net income, but faces headwinds: a Truist analyst cut price target to $17 citing lower Q2 revenue estimates, unchanged full-year guidance, a short-seller report, and losing a major client in its Technology Platform segment. Despite this, management pushes ambitious plans including a stablecoin with Mastercard and expansion into lending, aiming to become a top-10 U.S. bank.