SoFi delivered 41% revenue growth and 62% EBITDA growth while generating more than $1 billion of quarterly cash revenue. Deposits reached $40.2 billion, supporting a 5.94% net interest margin and largely funding the entire loan portfolio. Loan Platform Business originated $3 billion of loans with no retained credit risk and secured $3.6 billion of new commitments.
SoFi Technologies is rated a strong buy, driven by robust revenue growth, expanding margins, and significant upselling potential within its member base. SOFI's net revenues grew 42.5% YoY, with forecasts of 14–30% annual growth through 2030 and a projected $7.8B in revenues by then. Operating leverage is increasing as non-interest expenses fall relative to revenues, with net-product retention rising to 115.4% in Q1 and margins expected to reach 20% by 2030.
In the closing of the recent trading day, SoFi Technologies, Inc. (SOFI) stood at $17.4, denoting a -1.75% move from the preceding trading day.
SoFi Technologies (SOFI) delivered its tenth consecutive GAAP-profitable quarter, with record $1.1B sales and 41% YoY growth, yet shares remain pressured. SOFI's accounting recognizes loan profits upfront, making tangible book value and net interest margin (5.94%) key metrics amid macro sensitivity. Deposit growth (2.2x in two years) and a shift away from market debt support robust funding and justify recent dilution.
SOFI's product ecosystem is driving higher cross-buy activity, helping deepen member relationships and improve business economics.
SoFi stock is going through a rough patch that has seen its valuation drop from nearly $40 billion in November last year to $22.7 billion today. It has slipped by 32% this year, while popular US indices like the Nasdaq 100 and S&P 500 have jumped by double digits.
SoFi Technologies, Inc. (NASDAQ: SOFI) Chief Executive Officer Anthony Noto has extended his 2026 buying streak in his own company's stock.
At $16.67, SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) screens as compelling at current levels.
SOFI's rising brand awareness is helping fuel rapid member growth, strengthening its position in digital financial services.
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, Inc. maintains my Buy rating despite recent legal and segment-specific headwinds, as the core growth thesis remains intact. SOFI's premium valuation is justified by 43% YoY revenue growth and robust net income, outpacing sector peers while trading at compressed multiples. Strategic acquisitions, notably Peach Finance, rebuild the Technology Platform's full-stack offering, addressing client retention and segment turnaround potential.
SOFI falls 42% in six months as high rates, profitability concerns and a premium valuation raise doubts about its growth outlook.