SoFi Technologies (NASDAQ:SOFI) Issues Q1 2026 Earnings Guidance

SoFi Technologies (NASDAQ:SOFI) updated its first quarter 2026 earnings guidance on Friday. The company provided earnings per share (EPS) guidance of 0.120- for the period, compared to the consensus estimate of 0.120. The company issued revenue guidance of $1.0 billion-, compared to the consensus revenue estimate of $1.0 billion. SoFi Technologies also updated its FY 2026 guidance to 0.600- EPS.

SoFi Technologies Trading Down 6.3%

Shares of SOFI stock traded down $1.54 during trading hours on Friday, hitting $22.83. 119,221,591 shares of the company’s stock traded hands, compared to its average volume of 53,664,559. The stock’s 50 day simple moving average is $27.00 and its 200 day simple moving average is $26.26. The stock has a market cap of $27.52 billion, a PE ratio of 42.27, a price-to-earnings-growth ratio of 1.54 and a beta of 1.92. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73. The company has a quick ratio of 0.16, a current ratio of 0.80 and a debt-to-equity ratio of 0.31.

SoFi Technologies (NASDAQ:SOFI) last released its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. The firm had revenue of $1.01 billion for the quarter, compared to analyst estimates of $984.75 million. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The business’s revenue was up 39.6% on a year-over-year basis. During the same quarter in the previous year, the company posted $0.05 EPS. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. On average, sell-side analysts anticipate that SoFi Technologies will post 0.26 EPS for the current year.

Analysts Set New Price Targets

A number of research firms have weighed in on SOFI. The Goldman Sachs Group decreased their target price on shares of SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating for the company in a research report on Tuesday, January 6th. Mizuho set a $38.00 price objective on shares of SoFi Technologies in a research report on Thursday, October 30th. Barclays boosted their target price on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. Citigroup increased their price target on SoFi Technologies from $28.00 to $37.00 and gave the stock a “buy” rating in a report on Wednesday, October 29th. Finally, Keefe, Bruyette & Woods lifted their price objective on SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a research report on Wednesday, October 29th. One analyst has rated the stock with a Strong Buy rating, five have given a Buy rating, twelve have issued a Hold rating and three have issued a Sell rating to the stock. Based on data from MarketBeat, the company has a consensus rating of “Hold” and a consensus target price of $25.50.

Insider Activity at SoFi Technologies

In other SoFi Technologies news, insider Arun Pinto sold 46,132 shares of the business’s stock in a transaction on Friday, November 21st. The shares were sold at an average price of $24.76, for a total transaction of $1,142,228.32. Following the completion of the sale, the insider owned 138,396 shares in the company, valued at approximately $3,426,684.96. The trade was a 25.00% decrease in their position. The sale was disclosed in a document filed with the SEC, which can be accessed through the SEC website. Also, EVP Kelli Keough sold 9,468 shares of the company’s stock in a transaction on Tuesday, January 20th. The stock was sold at an average price of $25.75, for a total transaction of $243,801.00. Following the transaction, the executive vice president owned 303,480 shares in the company, valued at approximately $7,814,610. The trade was a 3.03% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. In the last 90 days, insiders sold 167,245 shares of company stock valued at $4,362,815. 2.60% of the stock is owned by company insiders.

SoFi Technologies News Summary

Here are the key news stories impacting SoFi Technologies this week:

• Positive Sentiment: Q4 beat and record quarter — SoFi reported $0.13 EPS (above consensus) and roughly $1.0B in revenue, its first $1B quarter, driven by strong loan originations and fee‑based revenue growth. Business Wire: SoFi Reports Fourth Quarter 2025
• Positive Sentiment: Membership and margins acceleration — Management added ~1M members in Q4, fee‑based revenue and adjusted EBITDA expanded (record adjusted EBITDA and margin improvement), supporting the cross‑sell thesis. 247WallSt: Scorecard on SOFI Q4
• Positive Sentiment: Raised FY‑2026 targets — SoFi nudged FY EPS and revenue guidance above Street expectations (FY EPS ~0.60 vs. ~0.56 consensus; revenue guided ~$4.7B vs. ~$4.5B consensus), which underpins forward expectations if execution continues. MarketBeat: SOFI earnings and guidance
• Neutral Sentiment: Q1 guidance roughly in line — SoFi gave Q1 EPS guidance (0.12) and ~$1.0B revenue guidance that track Street estimates, reducing near‑term surprise risk but not adding upside. MarketBeat: SOFI Q1 guidance
• Neutral Sentiment: Earnings call / details available — Management commentary and the transcript provide color on product adoption, capital allocation and margins; watch the call for specifics on buybacks, M&A or continued equity issuance. Seeking Alpha: Q4 2025 Earnings Call Transcript
• Negative Sentiment: Capital‑raise and dilution concerns — Recent equity raises (~$3B previously) and management’s capital allocation plan remain a focal point; some investors see dilution risk or uncertainty about whether cash funds organic growth vs. M&A. Invezz: CEO defends capital raise
• Negative Sentiment: Execution and valuation risk — Management’s upgraded FY targets raise the bar; skeptics note valuation and the need for continued high growth and margin expansion to justify current multiples. Investing.com: Profitability streak faces test

Institutional Inflows and Outflows

Several hedge funds and other institutional investors have recently added to or reduced their stakes in SOFI. State Street Corp increased its holdings in SoFi Technologies by 30.7% in the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company’s stock worth $642,019,000 after acquiring an additional 5,708,053 shares during the last quarter. Ameriprise Financial Inc. raised its position in shares of SoFi Technologies by 178.4% in the second quarter. Ameriprise Financial Inc. now owns 2,070,434 shares of the company’s stock valued at $37,708,000 after purchasing an additional 1,326,735 shares during the period. Burkehill Global Management LP purchased a new stake in shares of SoFi Technologies during the 3rd quarter valued at approximately $26,420,000. Legal & General Group Plc boosted its holdings in SoFi Technologies by 81.4% in the 3rd quarter. Legal & General Group Plc now owns 2,140,792 shares of the company’s stock worth $56,560,000 after buying an additional 960,794 shares during the period. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. purchased a new position in SoFi Technologies in the 3rd quarter valued at approximately $19,833,000. 38.43% of the stock is currently owned by hedge funds and other institutional investors.

SoFi Technologies Company Profile

SoFi Technologies, Inc (NASDAQ: SOFI) is a diversified financial services company that provides consumer-focused lending, banking, investing and financial technology products. The company’s core offerings include student loan refinancing and private student loans, personal loans, mortgage lending, and credit card products. In addition to credit and lending, SoFi operates consumer-facing deposit and cash management accounts, an investing and trading platform, and an insurance marketplace through partner relationships, all designed to serve individuals seeking an integrated digital financial experience.

SoFi has grown beyond direct-to-consumer lending by building technology and infrastructure capabilities.