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.

Analyst Ratings Changes

Several brokerages have recently weighed in on SOFI. JPMorgan Chase & Co. upped their price target on shares of SoFi Technologies from $24.00 to $26.00 and gave the stock a “neutral” rating in a research report on Friday, October 24th. Barclays upped their target price on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a report on Tuesday, January 6th. Bank of America began coverage on SoFi Technologies in a report on Tuesday, January 6th. They issued an “underperform” rating and a $20.50 price target on the stock. Mizuho set a $38.00 price target on SoFi Technologies in a research report on Thursday, October 30th. Finally, The Goldman Sachs Group dropped their price objective on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a research report on Tuesday, January 6th. One research analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating, twelve have given a Hold rating and three have given a Sell rating to the company’s stock. According to MarketBeat.com, the company has an average rating of “Hold” and an average target price of $25.50.

SoFi Technologies Trading Down 6.4%

NASDAQ:SOFI opened at $22.81 on Friday. The company has a market capitalization of $27.51 billion, a P/E ratio of 42.24, a PEG ratio of 1.53 and a beta of 1.92. The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73. The firm has a fifty day simple moving average of $26.95 and a 200-day simple moving average of $26.31.

SoFi Technologies (NASDAQ:SOFI) last issued its earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, topping 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 company had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. During the same quarter last year, the business posted $0.05 EPS. The firm’s quarterly 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. On average, equities research analysts anticipate that SoFi Technologies will post 0.26 earnings per share for the current year.

Insider Transactions at SoFi Technologies

In other SoFi Technologies news, insider Arun Pinto sold 46,132 shares of SoFi Technologies 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 sale, the insider directly owned 138,396 shares in the company, valued at approximately $3,426,684.96. The trade was a 25.00% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is accessible through the SEC website. Also, 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 completion of the sale, the chief technology officer owned 794,598 shares in the company, valued at $21,168,090.72. The trade was a 10.36% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders 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.

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

Hedge Funds Weigh In On SoFi Technologies

A number of institutional investors have recently modified their holdings of SOFI. Brighton Jones LLC increased its holdings in shares of SoFi Technologies by 2.0% during the 4th quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock valued at $11,077,000 after purchasing an additional 14,281 shares in the last quarter. Benjamin Edwards Inc. acquired a new stake in SoFi Technologies during the second quarter valued at $254,000. Ausdal Financial Partners Inc. grew its position in SoFi Technologies by 12.9% during the second quarter. Ausdal Financial Partners Inc. now owns 15,394 shares of the company’s stock valued at $280,000 after buying an additional 1,762 shares during the period. WINTON GROUP Ltd purchased a new position in SoFi Technologies in the second quarter valued at $282,000. Finally, Franklin Resources Inc. raised its position in shares of 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 acquiring an additional 2,596 shares during the period. 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.