SoFi Technologies (NASDAQ:SOFI) Announces Earnings Results, Beats Expectations By $0.01 EPS

SoFi Technologies (NASDAQ:SOFI) announced its earnings results on Friday. The company reported $0.13 EPS for the quarter, topping the consensus estimate of $0.12 by $0.01, FiscalAI reports. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The firm had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. During the same period last year, the company posted $0.05 EPS. The business’s quarterly revenue was up 39.6% on a year-over-year basis. 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 Price Performance

Shares of SOFI opened at $22.81 on Friday. The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31. The company’s fifty day simple moving average is $26.95 and its 200 day simple moving average is $26.27. SoFi Technologies has a 1-year low of $8.60 and a 1-year high of $32.73. The company has a market cap of $27.51 billion, a price-to-earnings ratio of 42.24, a PEG ratio of 1.53 and a beta of 1.92.

Analyst Ratings Changes

A number of equities research analysts recently commented on SOFI shares. Truist Financial dropped their price objective on shares of SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a report on Tuesday, November 25th. Jefferies Financial Group restated a “buy” rating and issued a $35.00 price target on shares of SoFi Technologies in a report on Tuesday, October 28th. Weiss Ratings reaffirmed a “hold (c)” rating on shares of SoFi Technologies in a research report on Thursday, January 22nd. Citigroup lifted their target price on SoFi Technologies from $28.00 to $37.00 and gave the company a “buy” rating in a research report on Wednesday, October 29th. Finally, JPMorgan Chase & Co. upped their price target on SoFi Technologies from $24.00 to $26.00 and gave the stock a “neutral” rating in a research report on Friday, October 24th. One analyst has rated the stock with a Strong Buy rating, five have given a Buy rating, twelve have assigned a Hold rating and three have issued a Sell rating to the stock. According to MarketBeat.com, the company presently has an average rating of “Hold” and an average target price of $25.50.

Key Headlines 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

Insider Activity

In related news, CTO Jeremy Rishel sold 91,837 shares of the firm’s stock in a transaction dated Wednesday, December 17th. The shares were sold at an average price of $26.64, for a total value of $2,446,537.68. Following the completion of the sale, the chief technology officer directly owned 794,598 shares in the company, valued at approximately $21,168,090.72. This trade represents a 10.36% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. 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 transaction, the executive vice president directly owned 265,034 shares in the company, valued at approximately $7,004,848.62. This trade represents a 3.75% decrease in their position. The SEC filing for this sale provides additional information. Insiders sold a total of 167,245 shares of company stock valued at $4,362,815 in the last quarter. Company insiders own 2.60% of the company’s stock.

Institutional Trading of SoFi Technologies

A number of hedge funds have recently made changes to their positions in the business. State Street Corp increased its holdings in shares of 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 acquiring an additional 5,708,053 shares during the last quarter. Northern Trust Corp boosted its position in 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 purchasing an additional 625,571 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its holdings in shares of SoFi Technologies by 0.6% in 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 valued at $96,098,000 after purchasing an additional 23,341 shares during the last quarter. Legal & General Group Plc raised its position in shares of SoFi Technologies by 81.4% in the third quarter. Legal & General Group Plc now owns 2,140,792 shares of the company’s stock valued at $56,560,000 after purchasing an additional 960,794 shares during the period. Finally, California Public Employees Retirement System lifted its stake in shares of 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 buying an additional 195,388 shares during the last quarter. 38.43% of the stock is owned by institutional investors and hedge funds.

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.