SoFi Technologies (NASDAQ:SOFI) Shares Gap Up Following Better-Than-Expected Earnings

SoFi Technologies, Inc. (NASDAQ:SOFI)’s stock price 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 (EPS) for the quarter, beating the consensus estimate of $0.12 by $0.01. 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 analysts’ expectations of $984.75 million. During the same quarter in the prior year, the firm posted $0.05 earnings per share. SoFi Technologies’s revenue for the quarter was up 39.6% compared to the same quarter last year.

More SoFi Technologies News

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

Wall Street Analysts Forecast Growth

A number of equities analysts have issued reports on the company. UBS Group increased their price target on SoFi Technologies from $20.50 to $27.50 and gave the company a “neutral” rating in a research note on Thursday, October 30th. Bank of America began coverage on SoFi Technologies in a report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 target price on the stock. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Citigroup lifted their price objective on shares of SoFi Technologies from $28.00 to $37.00 and gave the stock a “buy” rating in a research note on Wednesday, October 29th. Finally, Jefferies Financial Group reaffirmed a “buy” rating and issued a $35.00 price target on shares of SoFi Technologies in a report on Tuesday, October 28th. 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 assigned a Sell rating to the company’s stock. According to data from MarketBeat, the stock currently has a consensus rating of “Hold” and an average price target of $25.50.

Insider Buying and Selling at SoFi Technologies

In other news, insider Arun Pinto sold 46,132 shares of the company’s stock in a transaction dated 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 approximately $3,426,684.96. This represents a 25.00% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, CTO Jeremy Rishel sold 91,837 shares of the business’s stock in a transaction on 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 represents a 10.36% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders have sold 167,245 shares of company stock valued at $4,362,815 in the last 90 days. 2.60% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Institutional investors have recently made changes to their positions in the stock. Norges Bank acquired a new stake in SoFi Technologies during the 2nd quarter worth approximately $164,068,000. Vanguard Group Inc. raised its holdings in SoFi Technologies by 6.8% during the third quarter. Vanguard Group Inc. now owns 107,102,212 shares of the company’s stock worth $2,829,640,000 after buying an additional 6,814,727 shares during the last quarter. Quadrature Capital Ltd purchased a new position in shares of SoFi Technologies during the second quarter valued at approximately $115,188,000. State Street Corp boosted 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 worth $642,019,000 after buying an additional 5,708,053 shares during the last quarter. Finally, Marshall Wace LLP grew its position in shares of SoFi Technologies by 88.2% during the 2nd quarter. Marshall Wace LLP now owns 7,997,146 shares of the company’s stock valued at $145,628,000 after acquiring an additional 3,748,817 shares during the period. Institutional investors and hedge funds own 38.43% of the company’s stock.

SoFi Technologies Price Performance

The company has a quick ratio of 0.16, a current ratio of 0.80 and a debt-to-equity ratio of 0.31. The stock has a market cap of $28.15 billion, a P/E ratio of 43.42, a price-to-earnings-growth ratio of 1.54 and a beta of 1.92. The business’s 50-day simple moving average is $27.00 and its two-hundred day simple moving average is $26.26.

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.