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

SoFi Technologies (NASDAQ:SOFI) updated its FY 2026 earnings guidance on Friday. The company provided earnings per share guidance of 0.600- for the period, compared to the consensus earnings per share 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.

SoFi Technologies Price Performance

Shares of NASDAQ SOFI opened at $22.81 on Friday. 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 PE ratio of 42.24, a P/E/G ratio of 1.53 and a beta of 1.92. 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 stock has a fifty day moving average price of $26.95 and a 200 day moving average price of $26.31.

SoFi Technologies (NASDAQ:SOFI) last issued its earnings results on Friday, January 30th. The company reported $0.13 earnings per share for the quarter, beating the consensus estimate of $0.12 by $0.01. The business had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The business’s quarterly revenue was up 39.6% compared to the same quarter last year. During the same quarter in the previous year, the firm earned $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. Sell-side analysts forecast that SoFi Technologies will post 0.26 EPS for the current year.

Wall Street Analysts Forecast Growth

Several research firms have issued reports on SOFI. Truist Financial cut their price objective on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a research report on Tuesday, November 25th. The Goldman Sachs Group lowered their price target on shares of SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a research note on Tuesday, January 6th. Bank of America started coverage on shares of SoFi Technologies in a research note on Tuesday, January 6th. They issued an “underperform” rating and a $20.50 price objective for the company. Jefferies Financial Group reissued a “buy” rating and set a $35.00 price objective on shares of SoFi Technologies in a report on Tuesday, October 28th. Finally, Needham & Company LLC increased their target price 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 issued a Sell rating to the company’s stock. According to MarketBeat, SoFi Technologies currently has a consensus rating of “Hold” and a consensus price target of $25.50.

Insider Activity at SoFi Technologies

In other news, CTO Jeremy Rishel sold 91,837 shares of the company’s stock in a transaction on Wednesday, December 17th. The stock was sold at an average price of $26.64, for a total value of $2,446,537.68. Following the sale, the chief technology officer directly owned 794,598 shares in the company, valued at $21,168,090.72. This represents a 10.36% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, EVP Kelli Keough sold 9,468 shares of the stock in a transaction on Tuesday, January 20th. The shares were sold at an average price of $25.75, for a total value of $243,801.00. Following the sale, the executive vice president directly owned 303,480 shares in the company, valued at approximately $7,814,610. The trade was a 3.03% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last 90 days, insiders have sold 167,245 shares of company stock valued at $4,362,815. 2.60% of the stock is owned by corporate insiders.

More SoFi Technologies News

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 Inflows and Outflows

Several institutional investors have recently bought and sold shares of the business. CIBC Bancorp USA Inc. acquired a new position in SoFi Technologies in the third quarter valued at $1,047,000. Coldstream Capital Management Inc. acquired a new position in shares of SoFi Technologies in the 3rd quarter valued at about $313,000. Danske Bank A S purchased a new stake in SoFi Technologies during the third quarter worth approximately $16,004,000. Advisory Services Network LLC boosted its position in SoFi Technologies by 2.4% during the 3rd quarter. Advisory Services Network LLC now owns 34,648 shares of the company’s stock worth $915,000 after purchasing an additional 798 shares during the period. Finally, Livforsakringsbolaget Skandia Omsesidigt purchased a new stake in shares of SoFi Technologies in the third quarter worth about $158,000. 38.43% of the stock is currently owned by institutional investors and hedge funds.

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.