SoFi Technologies (NASDAQ:SOFI) Shares Gap Up After Earnings Beat

Shares of SoFi Technologies, Inc. (NASDAQ:SOFI) gapped up prior to trading on Friday after the company announced better than expected quarterly earnings. 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 changing hands.

The company reported $0.13 earnings per share for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The firm had revenue of $1.01 billion during the quarter, compared to the consensus estimate of $984.75 million. During the same period in the prior year, the firm earned $0.05 EPS. The business’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.

Key SoFi Technologies News

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

Wall Street Analysts Forecast Growth

Several equities analysts have commented on the company. Mizuho set a $38.00 price target on SoFi Technologies in a report on Thursday, October 30th. The Goldman Sachs Group cut their target price on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating for the company in a research note on Tuesday, January 6th. Citigroup lifted their price target 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. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Finally, UBS Group raised their price objective on shares of SoFi Technologies from $20.50 to $27.50 and gave the stock a “neutral” rating in a report on Thursday, October 30th. One research analyst has rated the stock with a Strong Buy rating, five have given a Buy rating, twelve have issued a Hold rating and three have given a Sell rating to the company. Based on data from MarketBeat, the company currently has a consensus rating of “Hold” and an average price target of $25.50.

Insider Activity at SoFi Technologies

In other news, EVP Kelli Keough sold 10,340 shares of the firm’s 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 completion of the sale, the executive vice president owned 265,034 shares of the company’s stock, valued at approximately $7,004,848.62. This trade represents a 3.75% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is accessible through this link. Also, CTO Jeremy Rishel sold 91,837 shares of SoFi Technologies stock in a transaction that occurred on Wednesday, December 17th. The shares were sold at an average price of $26.64, for a total transaction of $2,446,537.68. Following the completion of the transaction, the chief technology officer owned 794,598 shares of the company’s stock, valued at $21,168,090.72. This trade represents a 10.36% decrease in their position. The disclosure for this sale is available in the SEC filing. Insiders sold 167,245 shares of company stock valued at $4,362,815 in the last ninety days. Insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

Hedge funds and other institutional investors have recently bought and sold shares of the business. Lake Street Private Wealth LLC grew its holdings in shares of SoFi Technologies by 4.9% during the fourth quarter. Lake Street Private Wealth LLC now owns 8,368 shares of the company’s stock worth $219,000 after purchasing an additional 390 shares during the last quarter. Xcel Wealth Management LLC raised its holdings in shares of SoFi Technologies by 0.6% in the third quarter. Xcel Wealth Management LLC now owns 70,932 shares of the company’s stock valued at $1,874,000 after buying an additional 392 shares during the last quarter. Capital Advisors Wealth Management LLC lifted its position in SoFi Technologies by 0.4% during the 4th quarter. Capital Advisors Wealth Management LLC now owns 109,483 shares of the company’s stock worth $2,866,000 after buying an additional 401 shares in the last quarter. First Horizon Corp grew its holdings in SoFi Technologies by 14.9% during the 4th quarter. First Horizon Corp now owns 3,116 shares of the company’s stock worth $82,000 after acquiring an additional 405 shares during the last quarter. Finally, Cigna Investments Inc. New increased its position in SoFi Technologies by 3.8% in the 4th quarter. Cigna Investments Inc. New now owns 11,440 shares of the company’s stock valued at $299,000 after acquiring an additional 416 shares in the last quarter. 38.43% of the stock is owned by institutional investors and hedge funds.

SoFi Technologies Stock Performance

The stock’s 50 day simple moving average is $26.95 and its two-hundred day simple moving average is $26.31. The company has a market capitalization of $27.51 billion, a P/E ratio of 42.24, a P/E/G ratio of 1.53 and a beta of 1.92. The company has a debt-to-equity ratio of 0.31, a current ratio of 0.80 and a quick ratio of 0.16.

SoFi Technologies Company Profile

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.