SoFi anticipates strong Q4 earnings despite capital raise concerns
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 20 2025
0mins
Should l Buy SOFI?
Source: Investing
SoFi Technologies Inc. saw its stock price decline by 3.00%, hitting a 20-day low amid mixed market conditions, with the Nasdaq-100 up 0.34% and the S&P 500 down 0.05%.
The company is set to report its Q4 earnings, projecting the addition of 3.5 million new members and a 36% year-over-year revenue growth, with an adjusted EPS of $0.37. However, concerns have arisen regarding its recent decision to raise approximately $1.5 billion through new share issuance, leading to questions about management's strategic intentions. The market is closely monitoring the impact of these developments on investor sentiment and stock performance.
Despite the capital raise concerns, SoFi's strong membership growth and revenue projections indicate a positive outlook for the company, suggesting that it may continue to attract investor interest and maintain its growth trajectory.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is 28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 20.860
Low
18.00
Averages
28.31
High
38.00
Current: 20.860
Low
18.00
Averages
28.31
High
38.00
About SOFI
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
SoFi Technologies Financial Results Analysis
- Financial Overview: SoFi Technologies' stock price was $7.19 as of February 3, 2026, indicating a neutral market reaction to its financial results, which reflects the company's stability in a competitive fintech landscape.
- Future Prospects Discussion: Analyst Jason Hall discusses SoFi's potential for future growth, noting that while current financial performance is steady, market confidence in its long-term growth needs to be further bolstered.
- Market Reaction Analysis: As of the video's release date, SoFi's stock price showed no significant volatility, suggesting a cautious investor response to its financial data, which may impact the company's future financing capabilities.
- Industry Competition Landscape: In the fintech sector, SoFi faces intense competition from emerging companies, with analysts highlighting that enhancing user experience and innovative services will be crucial for maintaining market share.
See More
Analysts Predict 40% Increase for SoFi Technologies Stock, Recommend Buying the Fintech.
- SoFi Technologies Performance: Shares of SoFi Technologies have underperformed compared to the broader market this year.
- Analyst Recommendations: Some analysts are encouraging Wall Street to overlook this underperformance and consider the company's potential.
See More
Major Wall Street Rating Updates on Monday
- Robinhood Upgrade: Wolfe upgraded Robinhood from Peer Perform to Outperform to capitalize on the recent selloff due to deteriorating sentiment in the crypto ecosystem, indicating that investors should seize the buying opportunity.
- Bullish on TeraWulf and Cipher Mining: Morgan Stanley initiated coverage on TeraWulf and Cipher Mining with an Overweight rating, citing significant upside potential from attractive valuations in the bitcoin mining sector.
- Timken's New CEO Drives Growth: KeyBanc upgraded Timken from Sector Weight to Overweight with a $130 price target, primarily based on expectations that new CEO Lucian Boldea will enhance organic growth initiatives and improve margins.
- Align Technologies Brand Strength: HSBC upgraded Align Technologies from Hold to Buy, emphasizing that its strong brand presence and R&D culture are key long-term growth drivers in the orthodontics market.
See More
Citizens Upgrades SoFi Stock to Outperform with $30 Target
- Rating Upgrade: Citizens upgraded SoFi's stock from Market Perform to Outperform and set a $30 price target, with analyst Devin Ryan attributing the recent selloff to shifting investor preferences, indicating a reassessment of high-growth stocks in the market.
- Customer and Product Growth: In Q4 fiscal 2025, SoFi recorded its largest quarterly growth in both customers and products, adding approximately one million new members to reach a total of 13.7 million, a 35% year-on-year increase, while product usage surged 37% YoY to 20.2 million, showcasing the company's strong ability to diversify its revenue streams.
- Market Sentiment: Despite SoFi's stock price declining about 20% year-to-date, retail sentiment on Stocktwits remains bullish, suggesting that confidence in the stock's future performance is intact, supported by high message volume.
- Technical Factors Impact: The analyst noted that the pullback in SoFi's stock price is primarily due to technical factors and compressed valuation multiples rather than concerns about near-term economic conditions, presenting a potential buying opportunity for investors, especially as the company's fundamentals continue to improve.
See More
Stock Futures Edge Up as Investors Await Economic Data and Earnings Reports
- SoFi Stock Surge: SoFi Technologies (SOFI) shares rose 5% after Citizens upgraded the stock from Market Perform to Market Outperform, with analyst Devin Ryan noting that the recent selloff was driven by risk-off sentiment rather than fundamentals, setting a price target of $30, implying about 44% upside.
- Kroger CEO Appointment: Kroger (KR) shares increased by 5% following a Wall Street Journal report that former Walmart U.S. CEO Greg Foran will be appointed as the new CEO, a pivotal move as Kroger faces food price pressures and competition from discount grocers, marking a significant strategic shift for the company.
- Terawulf and Cipher Mining Rise: Terawulf (WULF) and Cipher Mining (CIFR) shares each gained 2% after Morgan Stanley initiated coverage with an Overweight rating, citing attractive valuations linked to Bitcoin-to-data center conversions, with price targets of $37 for Terawulf and $38 for Cipher Mining, both suggesting approximately 159% upside potential.
- Hims & Hers Stock Plunge: Hims & Hers Health (HIMS) shares fell 13% after the company announced it would stop offering a compounded version of Novo Nordisk's Wegovy (semaglutide) pill due to FDA scrutiny and industry pressure, raising broader concerns about compounded GLP-1 offerings.
See More
SoFi Technologies Projects 72% Profit Surge in 2026
- Profit Growth Forecast: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, demonstrating a strong transition from losses to profitability that boosts investor confidence.
- Accelerated Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, indicating a robust market demand and laying a solid foundation for future revenue growth.
- Expanding Net Interest Margin: With nearly $30 billion in interest-bearing deposits, up 32% year-over-year, SoFi benefits from a low-cost funding source that supports higher-yielding loans, further enhancing profitability through an expanded net interest margin.
- Diversified Revenue Streams: The company's fee-based revenue surged 53% year-over-year, showcasing SoFi's success in building diversified income sources that reduce reliance on interest income and provide a safeguard for sustainable growth.
See More
SoFi Technologies Financial Results Analysis
- Financial Overview: SoFi Technologies' stock price was $7.19 as of February 3, 2026, indicating a neutral market reaction to its financial results, which reflects the company's stability in a competitive fintech landscape.
- Future Prospects Discussion: Analyst Jason Hall discusses SoFi's potential for future growth, noting that while current financial performance is steady, market confidence in its long-term growth needs to be further bolstered.
- Market Reaction Analysis: As of the video's release date, SoFi's stock price showed no significant volatility, suggesting a cautious investor response to its financial data, which may impact the company's future financing capabilities.
- Industry Competition Landscape: In the fintech sector, SoFi faces intense competition from emerging companies, with analysts highlighting that enhancing user experience and innovative services will be crucial for maintaining market share.
See More
Analysts Predict 40% Increase for SoFi Technologies Stock, Recommend Buying the Fintech.
- SoFi Technologies Performance: Shares of SoFi Technologies have underperformed compared to the broader market this year.
- Analyst Recommendations: Some analysts are encouraging Wall Street to overlook this underperformance and consider the company's potential.
See More
Major Wall Street Rating Updates on Monday
- Robinhood Upgrade: Wolfe upgraded Robinhood from Peer Perform to Outperform to capitalize on the recent selloff due to deteriorating sentiment in the crypto ecosystem, indicating that investors should seize the buying opportunity.
- Bullish on TeraWulf and Cipher Mining: Morgan Stanley initiated coverage on TeraWulf and Cipher Mining with an Overweight rating, citing significant upside potential from attractive valuations in the bitcoin mining sector.
- Timken's New CEO Drives Growth: KeyBanc upgraded Timken from Sector Weight to Overweight with a $130 price target, primarily based on expectations that new CEO Lucian Boldea will enhance organic growth initiatives and improve margins.
- Align Technologies Brand Strength: HSBC upgraded Align Technologies from Hold to Buy, emphasizing that its strong brand presence and R&D culture are key long-term growth drivers in the orthodontics market.
See More
Citizens Upgrades SoFi Stock to Outperform with $30 Target
- Rating Upgrade: Citizens upgraded SoFi's stock from Market Perform to Outperform and set a $30 price target, with analyst Devin Ryan attributing the recent selloff to shifting investor preferences, indicating a reassessment of high-growth stocks in the market.
- Customer and Product Growth: In Q4 fiscal 2025, SoFi recorded its largest quarterly growth in both customers and products, adding approximately one million new members to reach a total of 13.7 million, a 35% year-on-year increase, while product usage surged 37% YoY to 20.2 million, showcasing the company's strong ability to diversify its revenue streams.
- Market Sentiment: Despite SoFi's stock price declining about 20% year-to-date, retail sentiment on Stocktwits remains bullish, suggesting that confidence in the stock's future performance is intact, supported by high message volume.
- Technical Factors Impact: The analyst noted that the pullback in SoFi's stock price is primarily due to technical factors and compressed valuation multiples rather than concerns about near-term economic conditions, presenting a potential buying opportunity for investors, especially as the company's fundamentals continue to improve.
See More
Stock Futures Edge Up as Investors Await Economic Data and Earnings Reports
- SoFi Stock Surge: SoFi Technologies (SOFI) shares rose 5% after Citizens upgraded the stock from Market Perform to Market Outperform, with analyst Devin Ryan noting that the recent selloff was driven by risk-off sentiment rather than fundamentals, setting a price target of $30, implying about 44% upside.
- Kroger CEO Appointment: Kroger (KR) shares increased by 5% following a Wall Street Journal report that former Walmart U.S. CEO Greg Foran will be appointed as the new CEO, a pivotal move as Kroger faces food price pressures and competition from discount grocers, marking a significant strategic shift for the company.
- Terawulf and Cipher Mining Rise: Terawulf (WULF) and Cipher Mining (CIFR) shares each gained 2% after Morgan Stanley initiated coverage with an Overweight rating, citing attractive valuations linked to Bitcoin-to-data center conversions, with price targets of $37 for Terawulf and $38 for Cipher Mining, both suggesting approximately 159% upside potential.
- Hims & Hers Stock Plunge: Hims & Hers Health (HIMS) shares fell 13% after the company announced it would stop offering a compounded version of Novo Nordisk's Wegovy (semaglutide) pill due to FDA scrutiny and industry pressure, raising broader concerns about compounded GLP-1 offerings.
See More
SoFi Technologies Projects 72% Profit Surge in 2026
- Profit Growth Forecast: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, demonstrating a strong transition from losses to profitability that boosts investor confidence.
- Accelerated Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, indicating a robust market demand and laying a solid foundation for future revenue growth.
- Expanding Net Interest Margin: With nearly $30 billion in interest-bearing deposits, up 32% year-over-year, SoFi benefits from a low-cost funding source that supports higher-yielding loans, further enhancing profitability through an expanded net interest margin.
- Diversified Revenue Streams: The company's fee-based revenue surged 53% year-over-year, showcasing SoFi's success in building diversified income sources that reduce reliance on interest income and provide a safeguard for sustainable growth.
See More
