SoFi Technologies (NASDAQ:SOFI) Shares Gap Up on Strong Earnings

SoFi Technologies, Inc. (NASDAQ:SOFI) gapped up before the market opened on Friday following a stronger than expected earnings report. The stock had previously closed at $24.36, but opened at $25.43. SoFi Technologies shares last traded at $23.79, with a volume of 22,824,323 shares trading hands.

The company reported $0.13 earnings per share for the quarter, topping the consensus estimate 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. During the same quarter in the previous year, the firm earned $0.05 EPS. The company’s revenue was up 39.6% compared to the same quarter last year.

SoFi Technologies News Summary

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

• Positive Sentiment: Q4 beat — SoFi reported $0.13 EPS (vs. consensus ~$0.11–$0.12) and record quarterly net revenue of ~$1.0B, with net income of $174M. The print showed strong YoY revenue growth and a clear beat on both EPS and sales. SoFi Reports Fourth Quarter 2025
• Positive Sentiment: Profitability and fee‑business strength — Reuters reports Q4 profit jumped, helped by robust loan originations and rapid growth in fee‑based businesses (investing, crypto, and other services), supporting margin expansion. Fintech lender SoFi profit jumps
• Positive Sentiment: Growth targets and product momentum — Management has targeted aggressive member (~30%) and revenue (~20%) growth, and the company reported strong member and product expansion (including nearly doubled home‑loan originations), which supports longer‑term top‑line acceleration. SOFI Price Prediction and Forecast 2026-2030
• Neutral Sentiment: Business development — SoFi expanded workplace offerings via a partnership with GoTu/SoFi at Work, which increases distribution but is more of a steady-growth/strategic move than an immediate earnings driver. SoFi GoTu partnership
• Neutral Sentiment: Analyst focus ahead — Pre- and post‑print commentary is emphasizing 2026 EBITDA guidance, capital allocation, and how management will deploy recent cash — these are watch items that could move sentiment depending on guidance specifics. SoFi Q4 earnings preview
• Negative Sentiment: Capital‑raise and allocation concerns — Analysts have flagged recent equity raises (~$3B across rounds) and uncertainty whether proceeds will fund organic growth or M&A, raising dilution/strategy questions that can weigh on valuation. SoFi: The $3B Question
• Negative Sentiment: Profitability outlook risk — Coverage notes the company’s profitability streak may face tests (margin pressure, cost or guidance risks) despite the beat; future quarters and management guidance will be key for sustaining investor confidence. SoFi Nears $1 Billion Revenue Mark

Analyst Upgrades and Downgrades

A number of research analysts have commented on SOFI shares. Citigroup lifted their price objective on shares of SoFi Technologies from $28.00 to $37.00 and gave the company a “buy” rating in a research note on Wednesday, October 29th. The Goldman Sachs Group lowered their target price 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. Truist Financial cut their target price on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a research note on Tuesday, November 25th. Mizuho set a $38.00 price objective on SoFi Technologies in a report on Thursday, October 30th. Finally, Barclays boosted their target price on shares of SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Tuesday, January 6th. One investment analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating, twelve have given a Hold rating and three have given a Sell rating to the stock. Based on data from MarketBeat, the stock presently has a consensus rating of “Hold” and a consensus price target of $25.50.

Insiders Place Their Bets

In other news, insider Arun Pinto sold 46,132 shares of the business’s stock in a transaction on Friday, November 21st. The stock was sold at an average price of $24.76, for a total value of $1,142,228.32. Following the completion of the transaction, the insider directly owned 138,396 shares of the company’s stock, valued at $3,426,684.96. The trade was a 25.00% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is available through the SEC website. Also, EVP Kelli Keough sold 10,340 shares of the firm’s stock in a transaction dated Thursday, November 20th. The stock was sold at an average price of $26.43, for a total transaction of $273,286.20. Following the sale, the executive vice president directly owned 265,034 shares in the company, valued at $7,004,848.62. This represents a 3.75% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last 90 days, insiders sold 167,245 shares of company stock valued at $4,362,815. Corporate insiders own 2.60% of the company’s stock.

Institutional Inflows and Outflows

Several hedge funds have recently bought and sold shares of the business. Vivid Wealth Management LLC acquired a new position in SoFi Technologies during the 4th quarter worth approximately $2,628,000. Wealthfront Advisers LLC lifted its position in shares of SoFi Technologies by 12.6% during the fourth quarter. Wealthfront Advisers LLC now owns 166,634 shares of the company’s stock worth $4,362,000 after purchasing an additional 18,672 shares in the last quarter. Mitsubishi UFJ Trust & Banking Corp boosted its stake in shares of SoFi Technologies by 5.8% in the fourth quarter. Mitsubishi UFJ Trust & Banking Corp now owns 473,116 shares of the company’s stock valued at $12,386,000 after purchasing an additional 25,973 shares during the period. M&T Bank Corp grew its holdings in SoFi Technologies by 22.1% during the 4th quarter. M&T Bank Corp now owns 57,340 shares of the company’s stock valued at $1,501,000 after purchasing an additional 10,383 shares in the last quarter. Finally, Comerica Bank increased its stake in SoFi Technologies by 26.7% during the 4th quarter. Comerica Bank now owns 27,215 shares of the company’s stock worth $712,000 after buying an additional 5,734 shares during the period. Hedge funds and other institutional investors own 38.43% of the company’s stock.

SoFi Technologies Price Performance

The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80. The business’s fifty day simple moving average is $27.00 and its 200 day simple moving average is $26.26. The stock has a market cap of $28.15 billion, a price-to-earnings ratio of 43.42, a price-to-earnings-growth ratio of 1.54 and a beta of 1.92.

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.