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

Posted by Shane Hupp on Jan 30th, 2026

SoFi Technologies (NASDAQ:SOFI – Get Free Report) announced its quarterly earnings results on Friday. The company reported $0.13 earnings per share for the quarter, topping 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 firm had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. During the same quarter in the previous year, the business earned $0.05 earnings per share. The business’s revenue was up 39.6% compared to the same quarter last year.

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 6.7%

Shares of SOFI traded down $1.63 during trading hours on Friday, reaching $22.73. 87,538,242 shares of the stock traded hands, compared to its average volume of 52,211,090. 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 has a market cap of $27.41 billion, a price-to-earnings ratio of 42.01, a PEG ratio of 1.54 and a beta of 1.92. The stock has a fifty day simple moving average of $27.00 and a 200 day simple moving average of $26.26. SoFi Technologies has a 52 week low of $8.60 and a 52 week high of $32.73.

Wall Street Analysts Forecast Growth

SOFI has been the topic of several research analyst reports. Barclays increased their price target on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. Jefferies Financial Group reissued a “buy” rating and issued a $35.00 price objective on shares of SoFi Technologies in a research note on Tuesday, October 28th. Needham & Company LLC upped their price objective on shares of SoFi Technologies from $29.00 to $36.00 and gave the stock a “buy” rating in a research report on Wednesday, October 29th. Citigroup upped their price objective on SoFi Technologies from $28.00 to $37.00 and gave the company a “buy” rating in a research note on Wednesday, October 29th. Finally, Truist Financial reduced their target price on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a report on Tuesday, November 25th. One research 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 given a Sell rating to the stock. According to MarketBeat.com, the stock currently has an average rating of “Hold” and an average target price of $25.50.

Read Our Latest Report on SOFI

Key Stories Impacting SoFi Technologies

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

Positive Sentiment: Q4 beat and landmark revenue: SoFi delivered adjusted EPS above consensus and reported its first >$1.0B quarterly net revenue, highlighting accelerating fee?based revenue and margin expansion that supports profitability progression. SoFi Reports Fourth Quarter 2025 With Record Net Revenue of $1.0 Billion, Record Member and Product Growth, Net Income of $174 Million
Positive Sentiment: Membership and lending momentum: SoFi added ~1 million members in the quarter and posted record loan originations and deposit growth — metrics that validate its cross?sell flywheel and support higher lifetime value per member. SoFi posts record quarterly revenue, adds over 1M members
Positive Sentiment: Beat-and-raise / guidance: Management raised near?term targets after the quarter (ambitious FY26 revenue and EBITDA goals), signalling confidence in continued high?growth, capital?light fee revenue. That underpins upside to analyst models if execution holds. SoFi Technologies Reverses Course and Falls After Beat-and-Raise Q4
Neutral Sentiment: Platform/cross?sell narrative: Coverage highlights SoFi’s strategy of bringing members onto multiple products (payments, lending, investing, crypto) which is driving fee revenue growth — a structural positive but execution?sensitive. SoFi Scales Cross-Selling as Loan Originations Hit Records
Negative Sentiment: Capital?raise/dilution concerns: Investors remain wary of the company’s recent ~$3B equity raises and want clarity on capital allocation (growth vs. M&A), which can pressure multiples even after strong results. SoFi CEO defends capital raise as Q4 revenue tops $1 billion
Negative Sentiment: Market response and valuation watch: Despite the strong quarter, shares gave back early gains as analysts and traders weighed ambitious FY26 targets and valuation — meaning execution on guidance and capital allocation will likely drive near?term stock direction. SoFi Proves the Bears Wrong Again With a Record Quarter

Insider Buying and Selling at SoFi Technologies

In other SoFi Technologies news, CTO Jeremy Rishel sold 91,837 shares of the stock in a transaction on 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 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 transaction was disclosed in a legal filing with the SEC, which is available at this link. Also, insider Arun Pinto sold 46,132 shares of the firm’s stock in a transaction that occurred 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 completion of the transaction, the insider 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 SEC filing for this sale provides additional information. Insiders have sold a total of 167,245 shares of company stock worth $4,362,815 over the last three months. 2.60% of the stock is currently owned by insiders.

Institutional Investors Weigh In On SoFi Technologies

Hedge funds have recently added to or reduced their stakes in the company. State Street Corp lifted its stake in shares of SoFi Technologies by 30.7% in the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company’s stock valued at $642,019,000 after acquiring an additional 5,708,053 shares during the last quarter. Northern Trust Corp raised its holdings 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 valued at $175,229,000 after acquiring an additional 625,571 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC lifted its stake in 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 worth $96,098,000 after acquiring an additional 23,341 shares during the period. Legal & General Group Plc boosted its holdings in 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 acquiring an additional 960,794 shares in the last quarter. Finally, California Public Employees Retirement System lifted its position in shares of SoFi Technologies by 10.4% in the 3rd quarter. California Public Employees Retirement System now owns 2,070,610 shares of the company’s stock worth $54,706,000 after purchasing an additional 195,388 shares during the period. Institutional investors own 38.43% of the company’s stock.

SoFi Technologies Company Profile

(Get Free Report)

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.