SoFi Reports Strong Q4 Earnings Amid Market Weakness
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 3d ago
0mins
Should l Buy SOFI?
Source: Benzinga
SoFi Technologies Inc. is experiencing a pre-market decline of 4.69%, hitting a 20-day low, as broader market indices like the Nasdaq-100 and S&P 500 are down 0.80% and 0.51%, respectively.
Despite the stock's decline, SoFi reported impressive Q4 earnings, with adjusted net revenue surpassing $1 billion for the first time, reflecting a 37% year-over-year increase. The company also added 1 million new members, bringing total membership to 13.7 million, and achieved an adjusted EBITDA of $318 million, up 60% year-over-year. However, the stock initially rose after the earnings report but reversed course, indicating a cautious market sentiment.
The strong earnings growth and membership increase highlight SoFi's robust performance in the fintech sector, but the stock's current decline may be attributed to sector rotation amid broader market weakness.
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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.
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Citizens Bank Upgrades SoFi Technologies Amid Tech Sell-Off
- Rating Upgrade: Citizens Bank upgraded SoFi Technologies from market perform to market outperform, with analyst Devin Ryan setting a $30 price target, suggesting a potential 44% upside for the stock.
- Market Pullback Opportunity: Despite a 40% rise in SoFi's stock over the past year, it has dropped 20% this year, and Ryan believes the current market pullback presents an opportunity for investors to enter into rapidly growing and diversifying revenue streams.
- Enhanced Business Execution: Ryan noted that SoFi has demonstrated strong execution and product pipeline expansion, with the risk-reward ratio significantly improving since its January earnings report, showcasing profitability momentum and strategic flexibility.
- Underestimated Innovation Potential: The analyst emphasized that SoFi's innovation options in areas like blockchain, AI, and business banking remain under-modeled by Wall Street, which could lead to substantial earnings boosts in the future.
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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.
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Major Wall Street Rating Updates on Monday
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- 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.
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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
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
Gold Market Volatility Creates Short-Term Trading Opportunities
- Gold Price Volatility: Gold has experienced significant volatility over the past year, sharply reversing from record highs due to central bank buying, then rebounding again on renewed geopolitical risks, highlighting uncertainty for long-term investors while creating opportunities for short-term traders.
- AI Prediction Model: The ChatGPT model forecasts an average price of $512.75 for GLD, representing a 12.41% increase from the current price of $456.16, providing potential short-term profit opportunities for investors.
- Apex Trading Platform: Apex Trader Funding allows traders to access leveraged gold futures after a single evaluation, with account sizes ranging from $25,000 to $300,000, and has paid out over $72.2 million to traders in the past 90 days, showcasing its appeal for active traders.
- Short-Term Trading Strategy: Assuming a trader passes a $50,000 evaluation with Apex, a $25 increase in gold could yield $1,250 in profits from five contracts, illustrating the significant profit potential in short-term gold trading.
See More
Citizens Bank Upgrades SoFi Technologies Amid Tech Sell-Off
- Rating Upgrade: Citizens Bank upgraded SoFi Technologies from market perform to market outperform, with analyst Devin Ryan setting a $30 price target, suggesting a potential 44% upside for the stock.
- Market Pullback Opportunity: Despite a 40% rise in SoFi's stock over the past year, it has dropped 20% this year, and Ryan believes the current market pullback presents an opportunity for investors to enter into rapidly growing and diversifying revenue streams.
- Enhanced Business Execution: Ryan noted that SoFi has demonstrated strong execution and product pipeline expansion, with the risk-reward ratio significantly improving since its January earnings report, showcasing profitability momentum and strategic flexibility.
- Underestimated Innovation Potential: The analyst emphasized that SoFi's innovation options in areas like blockchain, AI, and business banking remain under-modeled by Wall Street, which could lead to substantial earnings boosts in the future.
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
