SoFi Technologies (NASDAQ:SOFI) stock is down 2.8% to trade at $18.36 today, with fintech stocks not spared from the broad-market malaise.
SoFi Technologies is upgraded to a buy as valuation nears multiyear lows despite strong fundamentals and outlook. Member and product growth mostly accelerated, driving 37% YoY revenue growth. There was also significant margin expansion in Q4. FY2026 guidance projects 30% revenue growth and 34% adjusted EBITDA margin, with net income margin rising to 18%.
Recently, Zacks.com users have been paying close attention to SoFi Technologies (SOFI). This makes it worthwhile to examine what the stock has in store.
SoFi Technologies (NASDAQ: SOFI | SOFI Price Prediction) has had a rough start to 2026.
SoFi Technologies (SOFI) is upgraded to Buy as fundamentals remain robust and valuation has become attractive after a 30% share price drop. SOFI's PEG ratio of 0.79 and projected FY2027 forward P/E of 23 signal compelling value versus prior levels and sector multiples. Q4 results delivered a dual beat, with revenue up 37% YoY and upbeat guidance, while recent insider buying by the CEO reinforces confidence.
Noto, who already owns a SoFi stake worth about $215 million on paper, has been known to buy the dip before.
SoFi stock fell from $33 to $19 after $3.2 billion in equity raises diluted shares by roughly 16% in six months. Q4 delivered $1.0 billion in revenue, $174 million in GAAP net income, and $318 million in adjusted EBITDA at a 31% margin. Loan Platform Business generated $194 million in quarterly revenue, accelerating fee-based mix and reducing balance sheet intensity.
SoFi Technologies ( NASDAQ:SOFI | SOFI Price Prediction ) has transformed itself over the past few years from a student loan refinancing outfit to a full-line, online financial services company.
SoFi Technologies (SOFI) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
SoFi Technologies (NASDAQ: SOFI | SOFI Price Prediction) and Ally Financial (NYSE: ALLY) both delivered fourth-quarter earnings recently, but the market's reaction tells two different stories.
SoFi Technologies recent selloff has made the risk/reward more attractive. Deposits reached $38 billion, giving SoFi cheaper and more stable funding. Market sentiment remains positive, as evidenced by the buy rating with a 26.87 average price target.
SOFI targets mid-30% EBITDA margins in 2026 as 30% revenue growth fuels a shift from fintech upstart to scaled, profit-driven operator.