SoFi Technologies (NASDAQ:SOFI) Issues Quarterly Earnings Results, Beats Estimates By $0.01 EPS

SoFi Technologies (NASDAQ:SOFI) released its quarterly earnings results on Friday. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01, FiscalAI reports. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The company had revenue of $1.01 billion during the quarter, compared to analysts’ expectations of $984.75 million. During the same period last year, the business posted $0.05 earnings per share. The firm’s revenue was up 39.6% compared to the same quarter last year. SoFi Technologies updated its Q1 2026 guidance to 0.120- EPS and its FY 2026 guidance to 0.600- EPS.

Here are the key takeaways from SoFi Technologies’ conference call:

• SoFi added a record 1 million members in Q4 (13.7M total) and reported its first billion‑dollar quarter with adjusted net revenue of $1.013B and record Adjusted EBITDA of $318M.
• Fee‑based and capital‑light revenue accelerated — quarterly fee revenue reached $443M (nearly $1.8B annualized) while the Loan Platform Business helped deliver record total originations of $10.5B, including $3.7B on behalf of partners.
• SoFi launched major crypto initiatives — SoFi USD stablecoin, SoFi Pay (expanded to 30+ countries) and SoFi Crypto — positioning to offer crypto banking and infrastructure, but these carry execution and regulatory uncertainty.
• The balance sheet and capital position were materially strengthened with roughly $3.2B of new capital, $5.4B cash, $37.5B in deposits, and tangible book value of $8.9B ($7.01/share), giving the company optionality for growth or LPB roll‑throughs.
• Management provided robust 2026 and medium‑term targets — guidance implies ~30% revenue growth to ~$4.655B and Adjusted EBITDA of ~$1.6B, with a medium‑term goal of ≥30% revenue CAGR and 38–42% EPS CAGR to 2028.

SoFi Technologies Stock Down 6.4%

Shares of SOFI opened at $22.81 on Friday. The firm has a market cap of $27.51 billion, a P/E ratio of 42.24, a PEG ratio of 1.53 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 stock’s 50 day moving average is $26.95 and its two-hundred day moving average is $26.31. The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31.

SoFi Technologies News Summary

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

Insider Activity

In other SoFi Technologies news, insider Arun Pinto sold 46,132 shares of the 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 transaction, the insider directly owned 138,396 shares of the company’s stock, valued at $3,426,684.96. This trade represents a 25.00% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, CTO Jeremy Rishel sold 91,837 shares of the business’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 sale, the chief technology officer directly owned 794,598 shares of the company’s stock, valued at $21,168,090.72. This represents a 10.36% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders have sold 167,245 shares of company stock worth $4,362,815 in the last quarter. Corporate insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

Several large investors have recently bought and sold shares of the company. Ossiam purchased a new position in shares of SoFi Technologies in the third quarter valued at approximately $86,000. Livforsakringsbolaget Skandia Omsesidigt purchased a new position in SoFi Technologies in the 3rd quarter valued at $158,000. Laird Norton Wetherby Wealth Management LLC acquired a new position in SoFi Technologies during the 3rd quarter worth approximately $214,000. Quadcap Wealth Management LLC purchased a new stake in shares of SoFi Technologies in the 3rd quarter valued at approximately $216,000. Finally, Diligent Investors LLC acquired a new stake in shares of SoFi Technologies in the 3rd quarter valued at $218,000. 38.43% of the stock is currently owned by hedge funds and other institutional investors.

Wall Street Analysts Forecast Growth

Several equities analysts recently commented on SOFI shares. Barclays increased their price objective on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a research report on Tuesday, January 6th. Citigroup raised their price target on shares of SoFi Technologies from $28.00 to $37.00 and gave the stock a “buy” rating in a report on Wednesday, October 29th. Jefferies Financial Group reiterated a “buy” rating and set a $35.00 price objective on shares of SoFi Technologies in a research note on Tuesday, October 28th. Truist Financial dropped their price target on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a research note on Tuesday, November 25th. Finally, Needham & Company LLC upped their price objective on shares of SoFi Technologies from $29.00 to $36.00 and gave the company a “buy” rating in a report on Wednesday, October 29th. One investment analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating, twelve have issued a Hold rating and three have assigned a Sell rating to the company. Based on data from MarketBeat.com, SoFi Technologies currently has a consensus rating of “Hold” and a consensus target price of $25.50.

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.