DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 5 minutes ago

SOFI·SoFi Technologies, Inc.

$.
+. (+.%)
After Hours
High
$19.74
Open
$19.10
Market Cap
23.88B
52W High
$32.73
Low
$18.60
P. Close
$18.61
P/E
41.40
52W Low
$14.92
Fwd P/E
23.18
DailyIQ Est.
$21.07
Technical Score (1D)
86
BUY
News Sentiment
73
BULLISH
SOFI’s shares surged last Friday as investors reacted to a flurry of company‑specific developments amid a supportive macro backdrop, signaling renewed optimism about the firm’s growth prospects. The rally was driven by recent announcements that the company is expanding its product suite beyond traditional lending, a move that could broaden revenue streams and reduce sensitivity to interest‑rate swings. A key catalyst is the acquisition of the AI‑driven investing platform Composer, which was announced 20 hours ago and positions SOFI to tap into the growing demand for automated investment solutions. Management has framed the Composer deal as a strategic hedge against rising rates, suggesting that the new AI capabilities could help offset margin compression in the loan business. Over the next 1–10 trading days, the market will be watching how quickly SOFI can integrate Composer’s technology and whether it translates into higher user engagement and incremental revenue. Earnings guidance will be critical, as analysts will assess whether the AI expansion materially improves the company’s top‑line outlook and offsets the 32% year‑to‑date decline. Regulatory updates remain a potential risk, as SOFI’s broadened product mix may attract additional scrutiny from financial‑services regulators. Traders should also monitor any early signs of cross‑selling between SOFI’s lending and AI platforms, which could validate the company’s diversification strategy. Finally, keep an eye on macro‑economic data releases that could influence the broader sentiment around fintech and lending, as SOFI’s valuation is still tied to the overall market environment.
Earnings Summary
SoFi Technologies, Inc. is a San Francisco‑based financial services firm that offers a broad suite of lending, banking, and investment products, positioning itself as a one‑stop shop for member financial needs within the credit services sector. In the last two quarters, SoFi posted revenue of $770.7 million in Q1 2025 and $858.2 million in Q2 2025, a 11.8% year‑over‑quarter increase, while EPS rose from $0.0601 to $0.0862, both beating analyst estimates of $0.031 and $0.0596 respectively; the company continued this trend with $949.6 million and $1.0128 billion in Q3 and Q4 2025, and $1.0872 billion in Q1 2026, though EPS fell to $0.12 versus the $0.14 estimate, marking the first miss in the series. Historically, SoFi has maintained a consistent upward trajectory in revenue, with YoY growth accelerating through 2025 before decelerating slightly into 2026, while EPS has generally outpaced estimates except for the recent quarter. The pattern of revenue expansion despite an EPS miss underscores the company’s ability to drive top‑line growth even as margin pressures surface. Recent news highlights a 68% YoY jump in loan originations and a 150% rise in operating income in Q1 2026, alongside a 27% decline in Technology Platform revenue, suggesting a potential slowdown in that segment; the launch of the Social 50 Income ETF and a $1,000 stock promotion aim to diversify income and attract new users, with 1.1 million new members and 39% product usage growth reported. Forward‑looking watch points include monitoring the Technology Platform revenue trend for signs of sustained decline, tracking the Social 50 ETF’s early trading volume and fee structure, and observing any guidance on margin improvement or cost‑control initiatives that could influence the company’s profitability trajectory in the next quarter.

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
$716M$835M$954M$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 $18.65, giving SoFi Technologies, Inc. a market cap of 23.88B and a P/E ratio of 41.4. Today's range spans $18.60–$19.74, with shares opening at $19.10 and moving up $0.04 (0.2%) from the prior close. DailyIQ's technical score sits at 86/100 (BUY) with a news sentiment reading of 73/100.

Over the past year SOFI has traded between $14.92 and $32.73 - the current price is +25.0% off the 52-week low and -43.0% from the high. 31 analysts cover the stock with a Hold consensus and a mean 12-month target of $20.90 (range $12.00–$31.00), implying upside of +12.1%.

The earnings revision cycle for SoFi Technologies, Inc. (SOFI) may be in an upward phase - large-cap Financial Services names (23.88B market cap) showing bullish technicals (86/100, BUY) alongside bullish sentiment (73/100) often see analyst target increases in the weeks following this kind of dual-signal alignment. Price: $18.65 (in the lower half of its 52-week range). (P/E: 41.4) Range: $14.92–$32.73. The chart frequently leads the fundamental revision, and the chart is bullish.

Earnings revision cycles in large-cap Financial Services names tend to compound: when technicals confirm a BUY thesis (86/100) and news sentiment (73/100, bullish) supports the narrative, analyst upgrades follow price rather than lead it. At $18.65 (in the lower half of its 52-week range), SOFI's position within the $14.92–$32.73 annual range suggests there's room for multiple expansion before the stock encounters meaningful technical resistance.