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

SoFi Technologies, Inc. (NASDAQ:SOFI)’s share price gapped up prior to trading on Friday following a better than expected earnings announcement. 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 traded.

The company reported $0.13 EPS for the quarter, topping 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 analysts’ expectations of $984.75 million. During the same quarter in the prior year, the business earned $0.05 earnings per share. The business’s revenue for the quarter was up 39.6% compared to the same quarter last year. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS.

SoFi Technologies News Roundup

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 Analyst Weigh In

A number of equities research analysts recently weighed in on SOFI shares. The Goldman Sachs Group reduced 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. BTIG Research reissued a “neutral” rating on shares of SoFi Technologies in a research note on Wednesday, October 29th. Keefe, Bruyette & Woods boosted their price target on SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a report on Wednesday, October 29th. Jefferies Financial Group reaffirmed a “buy” rating and issued a $35.00 price objective on shares of SoFi Technologies in a research note on Tuesday, October 28th. Finally, Barclays raised their price objective on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. One investment 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 given a Sell rating to the stock. According to data from MarketBeat.com, the stock currently has an average rating of “Hold” and a consensus price target of $25.50.

Insider Buying and Selling

In other news, insider Arun Pinto sold 46,132 shares of the business’s stock in a transaction that occurred on Friday, November 21st. The shares were sold at an average price of $24.76, for a total value of $1,142,228.32. Following the transaction, the insider 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 document filed with the Securities & Exchange Commission, which is accessible through this link. Also, EVP Kelli Keough sold 10,340 shares of the company’s stock in a transaction 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 directly owned 265,034 shares in the company, valued at approximately $7,004,848.62. This represents a 3.75% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders have sold a total of 167,245 shares of company stock valued at $4,362,815 over the last ninety days. 2.60% of the stock is owned by company insiders.

Hedge Funds Weigh In On SoFi Technologies

A number of hedge funds have recently bought and sold shares of SOFI. Activest Wealth Management boosted its position in SoFi Technologies by 1,023.7% during the fourth quarter. Activest Wealth Management now owns 2,461 shares of the company’s stock valued at $64,000 after acquiring an additional 2,242 shares during the last quarter. State of New Jersey Common Pension Fund D raised its position in shares of SoFi Technologies by 6.0% in the 4th quarter. State of New Jersey Common Pension Fund D now owns 415,795 shares of the company’s stock worth $10,886,000 after acquiring an additional 23,466 shares in the last quarter. Bogart Wealth LLC lifted its stake in shares of SoFi Technologies by 92.5% in the 4th quarter. Bogart Wealth LLC now owns 2,069 shares of the company’s stock valued at $54,000 after purchasing an additional 994 shares during the period. Fagan Associates Inc. boosted its position in shares of SoFi Technologies by 33.1% during the 4th quarter. Fagan Associates Inc. now owns 93,084 shares of the company’s stock valued at $2,437,000 after purchasing an additional 23,155 shares in the last quarter. Finally, Covenant Asset Management LLC boosted its position in shares of SoFi Technologies by 120.2% during the 4th quarter. Covenant Asset Management LLC now owns 179,902 shares of the company’s stock valued at $4,710,000 after purchasing an additional 98,202 shares in the last quarter. Institutional investors own 38.43% of the company’s stock.

SoFi Technologies Stock Down 6.4%

The firm 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. The firm 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.

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.