DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 4 minutes ago

SOFI·SoFi Technologies, Inc.

$.
+. (+.%)
Pre-Market
High
$16.32
Open
$16.05
Market Cap
20.50B
52W High
$32.73
Low
$16.00
P. Close
$16.02
P/E
35.53
52W Low
$12.74
Fwd P/E
20.60
Mean Target
$21.10
Technical Score (1D)
36
SELL
News Sentiment
61
BULLISH
SoFi Money's digital platform is set to receive a significant core system upgrade in July, a development highlighted by CEO Anthony Noto who emphasized the company's unique advantage in offering a comprehensive suite of financial products exclusively through its digital channels. This internal development is occurring as the broader personal loan sector, including SoFi, experienced stock price increases driven by declining Treasury yields. Such a yield movement directly benefits lenders by improving net interest margins, as they borrow at short-term rates to fund longer-term consumer loans. Furthermore, falling oil prices are anticipated to ease consumer financial stress and potentially lower default rates, providing an additional positive catalyst for companies like SoFi. Despite these recent positive market influences, it's important to note that personal loan stocks collectively saw a share price decline following Q1 earnings, even as revenues beat estimates, indicating ongoing sector headwinds from credit risk, regulation, and competition. In parallel, SoFi is actively pursuing customer acquisition through a limited-time promotion offering new active invest users up to $1,000 in stock with a qualifying $50 deposit. This promotional effort is part of a broader strategy to attract new investors to the platform. Investors should watch for the successful implementation of the SoFi Money core system upgrade in July and monitor how the company navigates ongoing regulatory and competitive pressures within the fintech lending space.
Earnings Summary
SoFi Technologies, Inc. is a diversified financial services company offering a broad range of products including personal, student, and home loans, alongside savings, investing, and insurance services. The company operates within the Financial Services sector, specifically in Credit Services, and also provides technology solutions through its Galileo and Technisys platforms. In its most recent reported quarters, SoFi has demonstrated consistent growth in both revenue and EPS. For Q1 2026, the company reported revenue of $1.087 billion, exceeding the estimate of $1.132 billion, and an EPS of $0.12, missing the estimate of $0.14. This follows Q4 2025, where revenue was $1.013 billion against an estimate of $1.004 billion, and EPS was $0.13, beating the estimate of $0.12. Comparing to the prior two quarters, Q3 2025 saw revenue of $949.6 million against an estimate of $949.6 million, with EPS of $0.10 beating the estimate of $0.08. Q2 2025 reported revenue of $858.2 million against an estimate of $858.2 million, with EPS of $0.09 beating the estimate of $0.06. This shows a clear acceleration in revenue growth and a consistent pattern of beating EPS estimates in the last three reported quarters. Historically, SoFi has shown a strong year-over-year revenue growth trajectory and has a recent streak of beating analyst estimates for EPS, particularly in Q2 2025, Q3 2025, and Q4 2025. Recent news indicates SoFi is acquiring a majority stake in UK fintech PrimaryBid to expand global capital markets access and directed share programs, which is expected to influence member engagement and platform usage. This strategic move, alongside ongoing momentum in its ETF products, supports fee-based revenue streams. Investors will be watching how the PrimaryBid acquisition impacts growth metrics and market access, alongside the company's ability to navigate broader market trends and its pivot to a capital-light model.

EPS

EstBeatMiss
$0.01$0.05$0.09$0.12$0.16Q1'25Q2'25Q3'25Q4'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$0.11 - -
Q1'26$0.14$0.12-14.3%
Q4'25$0.12$0.13+10.2%
Q3'25$0.08$0.10+23.0%
Q2'25$0.06$0.09+44.7%
Q1'25$0.03$0.06+93.9%

Revenue

EstBeatMiss
$715M$835M$956M$1.1B$1.2BQ1'25Q2'25Q3'25Q4'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$1.1B - -
Q1'26$1.1B$1.1B-3.9%
Q4'25$1.0B$1.0B+0.9%
Q3'25 - $950M -
Q2'25 - $858M -
Q1'25 - $771M -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

SOFI Stock Snapshot

SOFI is currently trading at $16.12, giving SoFi Technologies, Inc. a market cap of 20.50B and a P/E ratio of 35.5. Today's range spans $16.00–$16.32, with shares opening at $16.05 and moving up $0.10 (0.6%) from the prior close. DailyIQ's technical score sits at 36/100 (HOLD) with a news sentiment reading of 61/100.

Over the past year SOFI has traded between $12.74 and $32.73 - the current price is +26.5% off the 52-week low and -50.7% from the high. 31 analysts cover the stock with a Hold consensus and a mean 12-month target of $21.10 (range $12.00–$31.00), implying upside of +30.9%.

SOFI is in consolidation mode: 36/100 technical score (HOLD), bullish sentiment at 61/100, price at $16.12 (near 52-week lows within $12.74–$32.73). The current P/E ratio stands at 35.5. The 20.50B market cap in Financial Services means the stock is widely covered and any shift in analyst sentiment or earnings expectations will be immediately reflected in price - making the current neutral phase a good time to track upcoming catalysts closely.

The 52-week range of $12.74–$32.73 for SOFI provides the structural reference that options traders, systematic funds, and discretionary managers all anchor to — and at $16.12 (near 52-week lows), the stock sits in a zone where the next 5–10% move will likely define which crowd was right. A HOLD signal at 36/100 and bullish news backdrop (61/100) don't break the tie yet, but they narrow the probability distribution toward the upside.