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 earnings per share guidance of 0.120- for the period, compared to the consensus earnings per share 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 Analysts Forecast Growth

SOFI has been the subject of several recent research reports. Citigroup boosted their target price on shares of SoFi Technologies from $28.00 to $37.00 and gave the stock a “buy” rating in a research report on Wednesday, October 29th. Mizuho set a $38.00 price objective on SoFi Technologies in a research note on Thursday, October 30th. Bank of America began coverage on shares of SoFi Technologies in a report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price objective on the stock. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a research report on Thursday, January 22nd. Finally, BTIG Research reaffirmed a “neutral” rating on shares of SoFi Technologies in a research report on Wednesday, October 29th. One investment 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. Based on data from MarketBeat, the stock presently has an average rating of “Hold” and an average price target of $25.50.

SoFi Technologies Stock Performance

NASDAQ SOFI traded down $1.55 on Friday, hitting $22.81. 130,286,272 shares of the stock traded hands, compared to its average volume of 53,664,559. The firm has a market capitalization of $27.51 billion, a price-to-earnings ratio of 42.24, a PEG ratio of 1.54 and a beta of 1.92. The business’s fifty day moving average is $27.00 and its two-hundred day moving average is $26.26. The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last announced its quarterly earnings data on Friday, January 30th. The company reported $0.13 earnings per share for the quarter, topping 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 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 firm posted $0.05 EPS. The firm’s revenue for the quarter 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. As a group, equities analysts anticipate that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insider Buying and Selling at SoFi Technologies

In related news, CTO Jeremy Rishel sold 91,837 shares of the stock in a transaction dated 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 sale, the chief technology officer owned 794,598 shares of the company’s stock, valued at approximately $21,168,090.72. This represents a 10.36% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, insider Arun Pinto sold 46,132 shares of the firm’s stock in a transaction dated 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 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 position. The SEC filing for this sale provides additional information. 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 company 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

A number of hedge funds and other institutional investors have recently modified their holdings of the company. Vident Advisory LLC boosted its position in shares of SoFi Technologies by 3.4% in the third quarter. Vident Advisory LLC now owns 22,594 shares of the company’s stock worth $597,000 after purchasing an additional 751 shares during the period. Advisory Services Network LLC boosted its holdings in SoFi Technologies by 2.4% in the 3rd quarter. Advisory Services Network LLC now owns 34,648 shares of the company’s stock worth $915,000 after buying an additional 798 shares during the period. State of Wyoming increased its stake in SoFi Technologies by 6.3% in the 2nd quarter. State of Wyoming now owns 14,139 shares of the company’s stock worth $257,000 after buying an additional 836 shares in the last quarter. Visionary Wealth Advisors raised its holdings in SoFi Technologies by 14.9% during the second quarter. Visionary Wealth Advisors now owns 12,469 shares of the company’s stock valued at $227,000 after acquiring an additional 1,616 shares during the period. Finally, Empowered Funds LLC lifted its position in shares of SoFi Technologies by 5.2% in the first quarter. Empowered Funds LLC now owns 33,126 shares of the company’s stock valued at $385,000 after acquiring an additional 1,631 shares in the last quarter. 38.43% of the stock is currently owned by hedge funds and other institutional investors.

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.