SoFi Technologies, Inc. (SOFI)
SoFi Is Much Cheaper Than It Looks
SoFi Technologies, Inc. still looks like a Strong Buy following the recent selloff. SOFI's high net interest margins, rapid loan origination, and strong member growth will continue to drive superior operating leverage and profitability. Consensus estimates project 54% EPS growth through 2026 and 35% through 2027, supporting significant upside even with potential multiple contraction.
SoFi Technologies: The Pullback I've Been Waiting For
Fee revenue grew from $260M in 2021 to $1.5B in 2025, surpassing 40% of total adjusted revenue. Q4 added 1M members and 1.6M products, with cross-buy reaching 40%, improving growth efficiency and margins. Loan Platform Business handled $3.7B of Q4 originations, monetizing underwriting while transferring credit risk externally.
SoFi: Recent Pullback Creates Opportunity As 2026 Catalysts Line Up
SoFi Technologies is rated 'Strong Buy' due to rapid user growth, consistent earnings beats, and expanding fintech offerings. SOFI benefits from a pro-business environment, potential S&P 500 inclusion, and product innovation targeting younger, affluent customers. The recent pullback is seen as a buying opportunity, attributed to negative Wall Street sentiment rather than business fundamentals.
Is Most-Watched Stock SoFi Technologies, Inc. (SOFI) Worth Betting on Now?
SoFi Technologies (SOFI) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
SoFi Technologies: Pound The Table Moment As Upgrades From Large Banks Roll In
SoFi Technologies is executing strongly, with Q4 2025 marking its first $1B revenue quarter and record profitability, despite a 20%+ share price pullback. SOFI guides for 30% YoY revenue growth and 52% YoY Adjusted EBITDA growth in 2026, with expanding margins and a shift toward capital-light, fee-based revenues. The company's loan platform consistently sells tranches above par, and cross-selling has reached 40%, supporting durable, diversified growth and a bullish long-term outlook.
Is SoFi Stock a Buy, Hold, or Sell After Impressive Q4 Earnings?
SOFI beat Q4 earnings estimates, topped $1B in quarterly revenues and expanded margins, yet shares slid 9%, highlighting a gap between results and price.
SoFi Technologies: Back To Earth After Meltdown - Correction Buying Opportunity
SOFI's robust fee-based revenue growth, expanding cross-selling trends, and improving profitability lend credibility to its highly successful and increasingly diversified fintech/neobank platform. This is on top of the tailwinds from its lower funding cost from the expanding deposit base and the Fed's ongoing rate cuts on its growing loan origination opportunities. These developments have led to SOFI's aggressive, profitable growth guidance for FY2026, as the management also reiterates their long-term ROTCE targets of 20–30%.
What's Happening With SOFI Stock
SoFi Technologies (SOFI) – a digital platform that provides loans, cash management, and investment services – has experienced an 8-day decline, with total losses during this time reaching -17%. The company's market capitalization has plummeted by approximately $5.4 billion over the past 8 days and currently sits at $27.5 billion.
SoFi: Selloff Looks Well Overdone As Execution Keeps Improving
SoFi Technologies keeps up with incredibly strong execution across lending, enterprise, and financial services, despite a recent stock selloff and sector volatility. SOFI delivered robust Q4 2025 results: 53% YoY fee-based revenue growth, $10.5B in originations, and $38B in deposits, with high-quality borrowers. Personal loans remain SOFI's key profit driver, but market uncertainty and regulatory risks could impact refinancing opportunities and net interest margins.
SoFi's Pullback Before The Breakout
SoFi Technologies, Inc.'s Financial Services and Tech Platform delivered $579 million in Q4 revenue, representing 57% of adjusted net revenue and reducing lending reliance. Fee-based revenue surged 53% year-over-year to $443 million in Q4, supporting higher margins and lower balance sheet risk. Q4 Adjusted EBITDA reached $318 million with a 31% margin and 44% incremental margin, highlighting powerful operating leverage.
SoFi: Strong Revaluation Catalyst In 2026
SoFi Technologies (SOFI) delivered record customer acquisition and exceeded both revenue and earnings estimates in Q4, reinforcing my strong buy rating. SOFI's Financial Services segment drove 158% Y/Y segment earnings growth in FY 2025. Lending saw record originations of $10.5B in the fourth-quarter, up 46% year-over-year. Guidance for FY 2026 implies 30% adjusted net revenue growth and 52% adjusted EBITDA growth, positioning SOFI for continued rapid earnings growth.
SoFi Proves the Bears Wrong Again With a Record Quarter
SoFi Technologies Inc. NASDAQ: SOFI surged more than 5% in pre-market trading after delivering another strong quarter. Earnings per share (EPS) of 13 cents beat expectations for 11 cents by 18%.
