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

SoFi Technologies (NASDAQ:SOFI) updated its FY 2026 earnings guidance on Friday. The company provided EPS guidance of 0.600- for the period, compared to the consensus EPS estimate of 0.560. The company issued revenue guidance of $4.7 billion-, compared to the consensus revenue estimate of $4.5 billion. SoFi Technologies also updated its Q1 2026 guidance to 0.120- EPS.

Wall Street Analyst Weigh In

A number of analysts have commented on the company. Barclays lifted their price target on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Tuesday, January 6th. Keefe, Bruyette & Woods lifted their target price on SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a report on Wednesday, October 29th. The Goldman Sachs Group cut their price target on shares of SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a report on Tuesday, January 6th. Bank of America initiated coverage on shares of SoFi Technologies in a research report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price target for the company. Finally, Jefferies Financial Group reaffirmed a “buy” rating and issued a $35.00 price objective on shares of SoFi Technologies in a report on Tuesday, October 28th. One research analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating, twelve have assigned a Hold rating and three have given a Sell rating to the company’s stock. Based on data from MarketBeat.com, the company currently has a consensus rating of “Hold” and an average target price of $25.50.

SoFi Technologies Price Performance

Shares of NASDAQ SOFI opened at $22.81 on Friday. The company has a debt-to-equity ratio of 0.31, a current ratio of 0.80 and a quick ratio of 0.16. The firm’s 50 day simple moving average is $26.95 and its 200-day simple moving average is $26.27. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73. The stock has a market capitalization of $27.51 billion, a price-to-earnings ratio of 42.24, a PEG ratio of 1.53 and a beta of 1.92.

SoFi Technologies (NASDAQ:SOFI) last issued its quarterly earnings data on Friday, January 30th. The company reported $0.13 earnings per share for the quarter, topping analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The business had revenue of $1.01 billion during the quarter, compared to the consensus estimate of $984.75 million. The company’s revenue was up 39.6% compared to the same quarter last year. During the same quarter in the prior year, the firm posted $0.05 earnings per share. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. Analysts expect that SoFi Technologies will post 0.26 EPS for the current year.

Insider Activity at SoFi Technologies

In other news, CTO Jeremy Rishel sold 91,837 shares of the company’s stock in a transaction dated Wednesday, December 17th. The stock was sold at an average price of $26.64, for a total transaction of $2,446,537.68. Following the completion of the transaction, the chief technology officer directly owned 794,598 shares of the company’s stock, valued at approximately $21,168,090.72. This represents a 10.36% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, EVP Kelli Keough sold 10,340 shares of the business’s stock in a transaction that occurred on Thursday, November 20th. The stock was sold at an average price of $26.43, for a total value of $273,286.20. Following the sale, the executive vice president owned 265,034 shares of the company’s stock, valued at approximately $7,004,848.62. The trade was a 3.75% decrease in their position. The SEC filing for this sale provides additional information. Over the last three months, insiders sold 167,245 shares of company stock worth $4,362,815. Company insiders own 2.60% of the company’s stock.

Key Stories Impacting SoFi Technologies

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

• Positive Sentiment: Q4 beat and milestone top line: SoFi delivered record net revenue (~$1.0–1.03B) and EPS above consensus, evidence of accelerating profitability that validates the growth story. SoFi Proves the Bears Wrong Again With a Record Quarter
• Positive Sentiment: Membership and product traction: Company added ~1 million members in Q4 and cross-buy rose, supporting the platform/flywheel thesis and fee‑based revenue growth. SoFi Scales Cross-Selling
• Positive Sentiment: Raised 2026 guidance: Management bumped FY26 EPS and revenue targets (FY26 EPS ~$0.60 vs. street ~$0.56; revenue guidance roughly $4.7B vs. ~$4.5B consensus), signaling confidence in growth and margins. Company Guidance Update
• Neutral Sentiment: Product/partnership progress: SoFi highlighted product innovation (SoFiUSD stablecoin, SoFi Smart Card) and workplace partnerships that expand distribution but are longer‑term monetization opportunities. Products & Innovation
• Neutral Sentiment: Full-color disclosure available: Earnings call transcript and slide deck give details on credit metrics, deposit growth (~$38B) and loan originations (~$10.5B) for deeper modelling. Earnings Call Transcript
• Negative Sentiment: Stock weakness on “beat-and-fall”: Despite strong results the shares reversed and fell after an initial pop — investors appear worried the beat raises future expectations and reduces the scope for easy upside. Reverses Course and Falls After Beat-and-Raise
• Negative Sentiment: Valuation & capital questions persist: Recent equity raises (~$3B) and an elevated valuation mean investors are sensitive to execution risk — the stronger guidance raises the bar and could amplify downside if growth slips. $3B Capital Raise Concerns

Institutional Trading of SoFi Technologies

A number of large investors have recently bought and sold shares of SOFI. State Street Corp grew its position in SoFi Technologies by 30.7% during the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company’s stock worth $642,019,000 after purchasing an additional 5,708,053 shares during the last quarter. Northern Trust Corp boosted its stake in shares of SoFi Technologies by 10.4% during the third quarter. Northern Trust Corp now owns 6,632,432 shares of the company’s stock worth $175,229,000 after buying an additional 625,571 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC grew its holdings in shares of SoFi Technologies by 0.6% during the third quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 3,637,306 shares of the company’s stock worth $96,098,000 after buying an additional 23,341 shares during the last quarter. Legal & General Group Plc raised its stake in SoFi Technologies by 81.4% during the 3rd quarter. Legal & General Group Plc now owns 2,140,792 shares of the company’s stock valued at $56,560,000 after acquiring an additional 960,794 shares during the last quarter. Finally, California Public Employees Retirement System lifted its position in SoFi Technologies by 10.4% during the 3rd quarter. California Public Employees Retirement System now owns 2,070,610 shares of the company’s stock worth $54,706,000 after acquiring an additional 195,388 shares during the period. Institutional investors and hedge funds own 38.43% of the company’s stock.

About SoFi Technologies

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.