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

SoFi Technologies (NASDAQ:SOFI) updated its first quarter 2026 earnings guidance on Friday. 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.

Wall Street Analyst Weigh In

Several equities research analysts have weighed in on the stock. Truist Financial lowered their price objective on shares of SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a research report on Tuesday, November 25th. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Jefferies Financial Group reaffirmed a “buy” rating and set a $35.00 price objective on shares of SoFi Technologies in a report on Tuesday, October 28th. Citigroup raised their price target on SoFi Technologies from $28.00 to $37.00 and gave the company a “buy” rating in a report on Wednesday, October 29th. Finally, Keefe, Bruyette & Woods boosted their price objective on SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a report on Wednesday, October 29th. One equities research analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating, twelve have assigned a Hold rating and three have assigned a Sell rating to the company. According to MarketBeat.com, the company presently has a consensus rating of “Hold” and an average price target of $25.50.

SoFi Technologies Stock Performance

SOFI opened at $22.81 on Friday. SoFi Technologies has a 12-month low of $8.60 and a 12-month high of $32.73. The business has a 50 day moving average of $26.95 and a 200-day moving average of $26.27. 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 $27.51 billion, a price-to-earnings ratio of 42.24, a PEG ratio of 1.53 and a beta of 1.92.

SoFi Technologies (NASDAQ:SOFI) last released its quarterly 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 firm had revenue of $1.01 billion for the quarter, compared to analysts’ expectations of $984.75 million. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The business’s revenue was up 39.6% on a year-over-year basis. During the same period in the prior year, the firm earned $0.05 EPS. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. On average, equities research analysts expect that SoFi Technologies will post 0.26 earnings per share for the current year.

Insider Activity at SoFi Technologies

In other news, EVP Kelli Keough sold 10,340 shares of SoFi Technologies stock in a transaction that occurred on Thursday, November 20th. The shares were sold at an average price of $26.43, for a total value of $273,286.20. Following the completion of the sale, the executive vice president directly owned 265,034 shares in the company, valued at approximately $7,004,848.62. The trade was a 3.75% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this link. Also, insider Arun Pinto sold 46,132 shares of the stock in a transaction that occurred 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 sale, the insider directly owned 138,396 shares in the company, valued at $3,426,684.96. This represents a 25.00% decrease in their position. The SEC filing for this sale provides additional information. Over the last three months, insiders have sold 167,245 shares of company stock worth $4,362,815. Corporate insiders own 2.60% of the company’s stock.

SoFi Technologies News Summary

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

A number of hedge funds have recently modified their holdings of SOFI. Brighton Jones LLC grew its position in SoFi Technologies by 2.0% in the fourth quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock valued at $11,077,000 after acquiring an additional 14,281 shares during the last quarter. Benjamin Edwards Inc. acquired a new stake in shares of SoFi Technologies during the 2nd quarter valued at $254,000. Ausdal Financial Partners Inc. grew its position in SoFi Technologies by 12.9% during the 2nd quarter. Ausdal Financial Partners Inc. now owns 15,394 shares of the company’s stock worth $280,000 after acquiring an additional 1,762 shares during the last quarter. WINTON GROUP Ltd acquired a new position in SoFi Technologies in the 2nd quarter worth about $282,000. Finally, Franklin Resources Inc. raised its position in SoFi Technologies by 23.2% in the second quarter. Franklin Resources Inc. now owns 13,796 shares of the company’s stock valued at $251,000 after purchasing an additional 2,596 shares during the last quarter. 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.