SoFi Technologies Faces Market Challenges Amid Broader Decline
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 23 hours ago
0mins
Should l Buy SOFI?
Source: Benzinga
- Earnings Beat: SoFi reported earnings of 13 cents per share on January 30, exceeding the consensus estimate of 12 cents, with revenue increasing by $273.72 million year-over-year, demonstrating resilience in a competitive fintech landscape.
- Membership Growth Outlook: SoFi anticipates total membership to grow at least 30% year-over-year by 2026, projecting adjusted net revenue of approximately $4.655 billion, reflecting confidence in future growth and strategic market expansion.
- Technical Analysis Indicates Downtrend: SoFi's stock is currently trading 13.1% below its 20-day SMA and 32.5% below its 100-day SMA, indicating a clear bearish trend in both the short and medium term, warranting caution from investors.
- Analyst Rating Changes: Despite a 25.55% increase in stock price over the past 12 months, SoFi remains below its 52-week high of $32.73, with an average price target of $24.72, indicating mixed market sentiment regarding its future performance.
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Analyst Views on SOFI
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
5 Buy
6 Hold
3 Sell
Hold
Current: 19.100
Low
18.00
Averages
28.31
High
38.00
Current: 19.100
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 Poised for Significant Growth Over Next Three Years
- Stock Performance Review: Over the past 36 months, SoFi Technologies has delivered an impressive 185% return, although it currently trades 42% below its all-time high, indicating a potential investment opportunity.
- Significant Customer Growth: By 2025, SoFi's adjusted net revenue rose by 38%, with customer count reaching 13.7 million, a 161% increase from 5.2 million at the end of 2022, reflecting its strong market appeal.
- Improved Profitability: In 2024, SoFi reported adjusted net income of $227 million, soaring 112% year-over-year, with projections for a further 72% increase in 2026, showcasing a notable enhancement in profitability.
- Future Growth Expectations: Management anticipates a compounded annual growth rate of adjusted earnings per share between 38% and 42% from 2025 to 2028, providing strong confidence for investors and indicating the company's potential for sustainable growth ahead.
See More
SoFi, the American Fintech Company, Now Supports Deposits on the Solana Network
Sofi's Banking Services: Sofi is the first nationally chartered bank in the U.S. to offer Bitcoin and cryptocurrency trading services.
Support for Solana Network: The bank now supports deposits for the Solana network, enabling customers to deposit funds directly through its banking app.
See More
Federal Judge Dismisses Trump Administration's Challenge to SAVE Student Loan Plan
- Legal Challenge Dismissed: U.S. District Judge John Ross dismissed the Trump administration's multi-state lawsuit against the SAVE student loan repayment plan, ensuring millions of borrowers can access lower monthly payments and expedited forgiveness, highlighting the legal protection for borrower rights.
- Borrower Benefits: As of Q4, over 7 million student loan borrowers are enrolled in the SAVE plan, and although they were in forbearance during legal challenges, their loans have been accruing interest since August, indicating the plan provides significant financial relief under economic pressures.
- Repayment Plan Advantages: The SAVE plan allows borrowers with loans of $12,000 or less to qualify for forgiveness after 10 years, significantly shortening the repayment timeline compared to other income-driven repayment plans that typically require 20 to 25 years, enhancing borrowers' financial flexibility.
- Future Uncertainty: While the court ruling offers temporary protection for the SAVE plan, the Trump administration's intention to phase it out by July 1, 2028, introduces uncertainty regarding future policies, which could impact borrowers' long-term financial planning.
See More
SoFi Technologies Faces Market Challenges Amid Broader Decline
- Earnings Beat: SoFi reported earnings of 13 cents per share on January 30, exceeding the consensus estimate of 12 cents, with revenue increasing by $273.72 million year-over-year, demonstrating resilience in a competitive fintech landscape.
- Membership Growth Outlook: SoFi anticipates total membership to grow at least 30% year-over-year by 2026, projecting adjusted net revenue of approximately $4.655 billion, reflecting confidence in future growth and strategic market expansion.
- Technical Analysis Indicates Downtrend: SoFi's stock is currently trading 13.1% below its 20-day SMA and 32.5% below its 100-day SMA, indicating a clear bearish trend in both the short and medium term, warranting caution from investors.
- Analyst Rating Changes: Despite a 25.55% increase in stock price over the past 12 months, SoFi remains below its 52-week high of $32.73, with an average price target of $24.72, indicating mixed market sentiment regarding its future performance.
See More
SOFI Options Contract Analysis and Investment Opportunities
- Put Option Appeal: Selling a put option at a $17.00 strike price allows investors to collect a premium of 97 cents, effectively lowering their cost basis to $16.03, which represents an approximate 5% discount compared to the current stock price of $17.86, making it attractive for those interested in SOFI shares.
- Yield Potential Analysis: If the put option expires worthless, investors would realize a 5.71% return on their cash commitment, equating to an annualized yield of 74.49%, highlighting the potential profitability of this strategy in the current market environment.
- Covered Call Strategy: Selling a covered call at an $18.00 strike price, investors could achieve a total return of 7.56% if the stock is called away at the current price of $17.86, although this may lead to missed upside potential if SOFI shares rise significantly.
- Volatility and Risk Assessment: The implied volatility for the put option is 71%, while for the call option it is 68%, and with an actual trailing volatility of 63%, investors need to carefully weigh the risks against potential returns to formulate the best investment strategy.
See More
SoFi Stock Outlook: $30 Per Share Within Reach
- Stock Price Prediction: SoFi's stock price was $6.86 on February 19, 2026, with analysts suggesting it could reach $30, indicating a positive market outlook for its growth potential.
- Market Confidence: The price target mentioned in the video reflects investor confidence in SoFi's innovative capabilities and market expansion in the fintech sector, potentially attracting more investor interest.
- Strategic Development: SoFi is actively expanding its product lines and services to enhance user experience and increase market share, which could drive stock price appreciation.
- Investor Recommendations: The video encourages viewers to subscribe and stay updated on SoFi's developments, indicating the company's desire to build trust and engagement with investors through transparent information sharing.
See More
SoFi Technologies Poised for Significant Growth Over Next Three Years
- Stock Performance Review: Over the past 36 months, SoFi Technologies has delivered an impressive 185% return, although it currently trades 42% below its all-time high, indicating a potential investment opportunity.
- Significant Customer Growth: By 2025, SoFi's adjusted net revenue rose by 38%, with customer count reaching 13.7 million, a 161% increase from 5.2 million at the end of 2022, reflecting its strong market appeal.
- Improved Profitability: In 2024, SoFi reported adjusted net income of $227 million, soaring 112% year-over-year, with projections for a further 72% increase in 2026, showcasing a notable enhancement in profitability.
- Future Growth Expectations: Management anticipates a compounded annual growth rate of adjusted earnings per share between 38% and 42% from 2025 to 2028, providing strong confidence for investors and indicating the company's potential for sustainable growth ahead.
See More
SoFi, the American Fintech Company, Now Supports Deposits on the Solana Network
Sofi's Banking Services: Sofi is the first nationally chartered bank in the U.S. to offer Bitcoin and cryptocurrency trading services.
Support for Solana Network: The bank now supports deposits for the Solana network, enabling customers to deposit funds directly through its banking app.
See More
Federal Judge Dismisses Trump Administration's Challenge to SAVE Student Loan Plan
- Legal Challenge Dismissed: U.S. District Judge John Ross dismissed the Trump administration's multi-state lawsuit against the SAVE student loan repayment plan, ensuring millions of borrowers can access lower monthly payments and expedited forgiveness, highlighting the legal protection for borrower rights.
- Borrower Benefits: As of Q4, over 7 million student loan borrowers are enrolled in the SAVE plan, and although they were in forbearance during legal challenges, their loans have been accruing interest since August, indicating the plan provides significant financial relief under economic pressures.
- Repayment Plan Advantages: The SAVE plan allows borrowers with loans of $12,000 or less to qualify for forgiveness after 10 years, significantly shortening the repayment timeline compared to other income-driven repayment plans that typically require 20 to 25 years, enhancing borrowers' financial flexibility.
- Future Uncertainty: While the court ruling offers temporary protection for the SAVE plan, the Trump administration's intention to phase it out by July 1, 2028, introduces uncertainty regarding future policies, which could impact borrowers' long-term financial planning.
See More
SoFi Technologies Faces Market Challenges Amid Broader Decline
- Earnings Beat: SoFi reported earnings of 13 cents per share on January 30, exceeding the consensus estimate of 12 cents, with revenue increasing by $273.72 million year-over-year, demonstrating resilience in a competitive fintech landscape.
- Membership Growth Outlook: SoFi anticipates total membership to grow at least 30% year-over-year by 2026, projecting adjusted net revenue of approximately $4.655 billion, reflecting confidence in future growth and strategic market expansion.
- Technical Analysis Indicates Downtrend: SoFi's stock is currently trading 13.1% below its 20-day SMA and 32.5% below its 100-day SMA, indicating a clear bearish trend in both the short and medium term, warranting caution from investors.
- Analyst Rating Changes: Despite a 25.55% increase in stock price over the past 12 months, SoFi remains below its 52-week high of $32.73, with an average price target of $24.72, indicating mixed market sentiment regarding its future performance.
See More
SOFI Options Contract Analysis and Investment Opportunities
- Put Option Appeal: Selling a put option at a $17.00 strike price allows investors to collect a premium of 97 cents, effectively lowering their cost basis to $16.03, which represents an approximate 5% discount compared to the current stock price of $17.86, making it attractive for those interested in SOFI shares.
- Yield Potential Analysis: If the put option expires worthless, investors would realize a 5.71% return on their cash commitment, equating to an annualized yield of 74.49%, highlighting the potential profitability of this strategy in the current market environment.
- Covered Call Strategy: Selling a covered call at an $18.00 strike price, investors could achieve a total return of 7.56% if the stock is called away at the current price of $17.86, although this may lead to missed upside potential if SOFI shares rise significantly.
- Volatility and Risk Assessment: The implied volatility for the put option is 71%, while for the call option it is 68%, and with an actual trailing volatility of 63%, investors need to carefully weigh the risks against potential returns to formulate the best investment strategy.
See More
SoFi Stock Outlook: $30 Per Share Within Reach
- Stock Price Prediction: SoFi's stock price was $6.86 on February 19, 2026, with analysts suggesting it could reach $30, indicating a positive market outlook for its growth potential.
- Market Confidence: The price target mentioned in the video reflects investor confidence in SoFi's innovative capabilities and market expansion in the fintech sector, potentially attracting more investor interest.
- Strategic Development: SoFi is actively expanding its product lines and services to enhance user experience and increase market share, which could drive stock price appreciation.
- Investor Recommendations: The video encourages viewers to subscribe and stay updated on SoFi's developments, indicating the company's desire to build trust and engagement with investors through transparent information sharing.
See More
