SoFi Technologies (NASDAQ:SOFI) Issues Q1 2026 Earnings Guidance

SoFi Technologies (NASDAQ:SOFI) issued an update on its first quarter 2026 earnings guidance on Friday morning. The company provided EPS guidance of 0.120- for the period, compared to the consensus EPS estimate of 0.120. The company issued revenue guidance of $1.0 billion-, compared to the consensus revenue estimate of $1.0 billion. SoFi Technologies also updated its FY 2026 guidance to 0.600- EPS.

Analysts Set New Price Targets

SOFI has been the subject of several analyst reports. BTIG Research restated a “neutral” rating on shares of SoFi Technologies in a research note on Wednesday, October 29th. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Keefe, Bruyette & Woods boosted their price objective on shares of SoFi Technologies from $18.00 to $20.00 and gave the company an “underperform” rating in a research note on Wednesday, October 29th. JPMorgan Chase & Co. upped their target price on shares of SoFi Technologies from $24.00 to $26.00 and gave the stock a “neutral” rating in a report on Friday, October 24th. Finally, Jefferies Financial Group reissued a “buy” rating and issued a $35.00 price target on shares of SoFi Technologies in a report on Tuesday, October 28th. One equities research analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating, twelve have issued a Hold rating and three have given a Sell rating to the stock. According to data from MarketBeat, the company presently has an average rating of “Hold” and a consensus target price of $25.50.

SoFi Technologies Price Performance

Shares of SoFi Technologies stock traded down $1.54 on Friday, hitting $22.83. 119,221,591 shares of the company traded hands, compared to its average volume of 53,664,559. SoFi Technologies has a 12-month low of $8.60 and a 12-month high of $32.73. 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 $27.52 billion, a P/E ratio of 42.27, a P/E/G ratio of 1.54 and a beta of 1.92. The firm’s 50-day simple moving average is $27.00 and its 200 day simple moving average is $26.26.

SoFi Technologies (NASDAQ:SOFI) last released its earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The business had revenue of $1.01 billion for the quarter, compared to analysts’ expectations of $984.75 million. During the same quarter in the prior year, the firm earned $0.05 earnings per share. The firm’s revenue was up 39.6% on a year-over-year basis. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. Analysts expect that SoFi Technologies will post 0.26 earnings per share for the current fiscal year.

Insider Activity

In other SoFi Technologies news, EVP Kelli Keough sold 10,340 shares of the stock in a transaction that occurred on Thursday, November 20th. The shares were sold at an average price of $26.43, for a total transaction of $273,286.20. Following the transaction, the executive vice president directly owned 265,034 shares in the company, valued at $7,004,848.62. This trade represents a 3.75% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, insider Arun Pinto sold 46,132 shares of SoFi Technologies stock in a transaction that occurred on Friday, November 21st. The stock was 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 in the company, 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. In the last three months, insiders have sold 167,245 shares of company stock worth $4,362,815. 2.60% of the stock is currently owned by insiders.

More SoFi Technologies News

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

• Positive Sentiment: Q4 beat and record quarter — SoFi reported $0.13 EPS (above consensus) and roughly $1.0B in revenue, its first $1B quarter, driven by strong loan originations and fee?based revenue growth. Business Wire: SoFi Reports Fourth Quarter 2025
• Positive Sentiment: Membership and margins acceleration — Management added ~1M members in Q4, fee?based revenue and adjusted EBITDA expanded (record adjusted EBITDA and margin improvement), supporting the cross?sell thesis. 247WallSt: Scorecard on SOFI Q4
• Positive Sentiment: Raised FY?2026 targets — SoFi nudged FY EPS and revenue guidance above Street expectations (FY EPS ~0.60 vs. ~0.56 consensus; revenue guided ~$4.7B vs. ~$4.5B consensus), which underpins forward expectations if execution continues. MarketBeat: SOFI earnings and guidance
• Neutral Sentiment: Q1 guidance roughly in line — SoFi gave Q1 EPS guidance (0.12) and ~$1.0B revenue guidance that track Street estimates, reducing near?term surprise risk but not adding upside. MarketBeat: SOFI Q1 guidance
• Neutral Sentiment: Earnings call / details available — Management commentary and the transcript provide color on product adoption, capital allocation and margins; watch the call for specifics on buybacks, M&A or continued equity issuance. Seeking Alpha: Q4 2025 Earnings Call Transcript
• Negative Sentiment: Capital?raise and dilution concerns — Recent equity raises (~$3B previously) and management’s capital allocation plan remain a focal point; some investors see dilution risk or uncertainty about whether cash funds organic growth vs. M&A. Invezz: CEO defends capital raise
• Negative Sentiment: Execution and valuation risk — Management’s upgraded FY targets raise the bar; skeptics note valuation and the need for continued high growth and margin expansion to justify current multiples. Investing.com: Profitability streak faces test

Hedge Funds Weigh In On SoFi Technologies

Large investors have recently added to or reduced their stakes in the business. Brighton Jones LLC lifted its position in shares of SoFi Technologies by 2.0% in the 4th quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock worth $11,077,000 after purchasing an additional 14,281 shares during the period. Caxton Associates LLP bought a new position in SoFi Technologies in the first quarter worth about $129,000. Empowered Funds LLC raised its stake in SoFi Technologies by 5.2% in the first quarter. Empowered Funds LLC now owns 33,126 shares of the company’s stock worth $385,000 after buying an additional 1,631 shares in the last quarter. Franklin Resources Inc. lifted its holdings in SoFi Technologies by 23.2% in the second quarter. Franklin Resources Inc. now owns 13,796 shares of the company’s stock worth $251,000 after buying an additional 2,596 shares during the period. Finally, Arrowstreet Capital Limited Partnership bought a new stake in SoFi Technologies during the 2nd quarter valued at approximately $4,633,000. Hedge funds and other institutional investors own 38.43% of the company’s stock.

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.