SoFi Technologies Financial Results Analysis
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy SOFI?
Source: Fool
- 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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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: 19.460
Low
18.00
Averages
28.31
High
38.00
Current: 19.460
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
Robinhood Shares Surge Amid Crypto Market Volatility
- Crypto Market Influence: Robinhood's stock price is closely tied to the cryptocurrency market, with Bitcoin dipping near $60,000 on Thursday before rebounding to $68,000 on Friday, resulting in a 12.70% increase in Robinhood's shares, highlighting its sensitivity to market fluctuations.
- Revenue Model Insight: Robinhood attracts users with zero-commission trading, profiting through payment for order flow and interest on customer cash balances, meaning that increased trading activity in Bitcoin and other assets directly boosts Robinhood's revenue opportunities, further driving stock price growth.
- Current Technical Analysis: Robinhood's stock is currently trading 21.1% below its 20-day simple moving average and 34.7% below its 100-day SMA, indicating a bearish short-term trend; however, shares have increased by 51.48% over the past 12 months, suggesting a potential recovery phase as they approach 52-week highs.
- Market Support and Resistance: The key resistance level for Robinhood is $103.50, while the support level is $81.00; despite the current RSI of 15.26 indicating oversold conditions, the MACD remains below its signal line, reflecting ongoing bearish pressure and a complex market sentiment.
See More
Recent Updates on Amazon, PayPal, Robinhood, and More
- Amazon Update: The video highlights recent updates from Amazon, indicating adjustments in its market strategy to cope with increasing competition, although specific data is not disclosed, it is expected to impact future sales growth.
- PayPal Performance: PayPal's latest developments mentioned in the video suggest that ongoing innovations in the digital payment space could enhance its market share, despite the absence of specific financial figures.
- Robinhood Stock Surge: Robinhood's stock price is noted to have risen by 10.86%, indicating increased market confidence in its business model, which may attract more investor attention.
- AMD and SoFi Updates: The video also covers updates on AMD and SoFi, and while detailed information is lacking, the continued progress of both companies in their respective fields could have a positive impact on investors.
See More
Software Stocks Face Valuation Collapse Amid Market Panic
- Valuation Collapse: According to Liz Thomas, Head of Investment Strategy at SoFi Technologies, the software sector's forward 12-month P/E ratio has plummeted from 33.1x to 23.2x, a 30% contraction that indicates a drastic reduction in growth expectations, reverting to levels seen in 2022 and during the pandemic.
- Panic Selling Intensifies: Five major software companies are experiencing drawdowns reminiscent of the Covid-era stress, reflecting extreme pessimism in market sentiment, as investors express serious concerns about the future of the software industry, leading to significant price volatility.
- Sentiment vs. Fundamentals: The current selloff is driven more by sentiment than by fundamentals, as the software sector invests heavily in AI, yet the market extrapolates worst-case scenarios, creating a stark disconnect between prices and actual conditions.
- Investor Strategy Shift: With P/E ratios compressed and fear dominating the market, the real risk lies not in buying too early but in missing the rebound, prompting investors to carefully assess market sentiment and potential recovery opportunities.
See More
Comparing Latin American and U.S. Fintech Giants
- Nu Holdings Growth: As of February 2, Nu Holdings' shares surged 284% over the past three years, boasting 110 million customers in Brazil and tapping into the vast unbanked population in Latin America, indicating significant future growth potential.
- Revenue and Profit Surge: In Q3, Nu's revenue climbed 42% year-over-year, with net income up 41%, driven by a scalable business model that eliminates branch costs, thereby enhancing profitability.
- SoFi's Technological Innovation: SoFi Technologies saw a 38% surge in adjusted net revenue in 2025, adding 1 million new customers to reach a total of 13.7 million, with projected adjusted net income of $825 million in 2026, reflecting a 72% year-over-year increase.
- Market Potential Comparison: Both companies excel in their respective markets, with Nu focusing on Latin America and SoFi thriving in the U.S., making a case for investing in both as they hold substantial growth potential over the next five years.
See More
SoFi Technologies Stock Price Fluctuation Analysis
- Investor Inflows: As of September 30, 2025, SoFi Technologies attracted significant inflows from major asset managers, with J.P. Morgan increasing its position by 18 million shares to approximately 65 million shares, representing 5.4% of outstanding shares, indicating institutional confidence in its growth potential.
- Asset Manager Accumulation: During the same quarter, BlackRock also raised its stake by around 13.5 million shares, controlling about 5.2% of SoFi's outstanding stock, reflecting a bullish sentiment among large institutions that could influence market dynamics.
- Wall Street Trading Firms' Involvement: Wall Street trading firms, including Susquehanna, Citadel, and Jane Street, increased their net positions by 10.6 million, 8.6 million, and 7.9 million shares respectively, demonstrating ongoing market interest and investment enthusiasm for SoFi.
- Long-Term Growth Outlook: Despite recent stock price pullbacks, SoFi continues to gradually expand its loan, banking, and financial services user base, with anticipated mid-double-digit earnings growth that could sustain its rich forward price-to-earnings ratio of 38.6, suggesting potential for continued stock price appreciation.
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
Robinhood Shares Surge Amid Crypto Market Volatility
- Crypto Market Influence: Robinhood's stock price is closely tied to the cryptocurrency market, with Bitcoin dipping near $60,000 on Thursday before rebounding to $68,000 on Friday, resulting in a 12.70% increase in Robinhood's shares, highlighting its sensitivity to market fluctuations.
- Revenue Model Insight: Robinhood attracts users with zero-commission trading, profiting through payment for order flow and interest on customer cash balances, meaning that increased trading activity in Bitcoin and other assets directly boosts Robinhood's revenue opportunities, further driving stock price growth.
- Current Technical Analysis: Robinhood's stock is currently trading 21.1% below its 20-day simple moving average and 34.7% below its 100-day SMA, indicating a bearish short-term trend; however, shares have increased by 51.48% over the past 12 months, suggesting a potential recovery phase as they approach 52-week highs.
- Market Support and Resistance: The key resistance level for Robinhood is $103.50, while the support level is $81.00; despite the current RSI of 15.26 indicating oversold conditions, the MACD remains below its signal line, reflecting ongoing bearish pressure and a complex market sentiment.
See More
Recent Updates on Amazon, PayPal, Robinhood, and More
- Amazon Update: The video highlights recent updates from Amazon, indicating adjustments in its market strategy to cope with increasing competition, although specific data is not disclosed, it is expected to impact future sales growth.
- PayPal Performance: PayPal's latest developments mentioned in the video suggest that ongoing innovations in the digital payment space could enhance its market share, despite the absence of specific financial figures.
- Robinhood Stock Surge: Robinhood's stock price is noted to have risen by 10.86%, indicating increased market confidence in its business model, which may attract more investor attention.
- AMD and SoFi Updates: The video also covers updates on AMD and SoFi, and while detailed information is lacking, the continued progress of both companies in their respective fields could have a positive impact on investors.
See More
Software Stocks Face Valuation Collapse Amid Market Panic
- Valuation Collapse: According to Liz Thomas, Head of Investment Strategy at SoFi Technologies, the software sector's forward 12-month P/E ratio has plummeted from 33.1x to 23.2x, a 30% contraction that indicates a drastic reduction in growth expectations, reverting to levels seen in 2022 and during the pandemic.
- Panic Selling Intensifies: Five major software companies are experiencing drawdowns reminiscent of the Covid-era stress, reflecting extreme pessimism in market sentiment, as investors express serious concerns about the future of the software industry, leading to significant price volatility.
- Sentiment vs. Fundamentals: The current selloff is driven more by sentiment than by fundamentals, as the software sector invests heavily in AI, yet the market extrapolates worst-case scenarios, creating a stark disconnect between prices and actual conditions.
- Investor Strategy Shift: With P/E ratios compressed and fear dominating the market, the real risk lies not in buying too early but in missing the rebound, prompting investors to carefully assess market sentiment and potential recovery opportunities.
See More
Comparing Latin American and U.S. Fintech Giants
- Nu Holdings Growth: As of February 2, Nu Holdings' shares surged 284% over the past three years, boasting 110 million customers in Brazil and tapping into the vast unbanked population in Latin America, indicating significant future growth potential.
- Revenue and Profit Surge: In Q3, Nu's revenue climbed 42% year-over-year, with net income up 41%, driven by a scalable business model that eliminates branch costs, thereby enhancing profitability.
- SoFi's Technological Innovation: SoFi Technologies saw a 38% surge in adjusted net revenue in 2025, adding 1 million new customers to reach a total of 13.7 million, with projected adjusted net income of $825 million in 2026, reflecting a 72% year-over-year increase.
- Market Potential Comparison: Both companies excel in their respective markets, with Nu focusing on Latin America and SoFi thriving in the U.S., making a case for investing in both as they hold substantial growth potential over the next five years.
See More
SoFi Technologies Stock Price Fluctuation Analysis
- Investor Inflows: As of September 30, 2025, SoFi Technologies attracted significant inflows from major asset managers, with J.P. Morgan increasing its position by 18 million shares to approximately 65 million shares, representing 5.4% of outstanding shares, indicating institutional confidence in its growth potential.
- Asset Manager Accumulation: During the same quarter, BlackRock also raised its stake by around 13.5 million shares, controlling about 5.2% of SoFi's outstanding stock, reflecting a bullish sentiment among large institutions that could influence market dynamics.
- Wall Street Trading Firms' Involvement: Wall Street trading firms, including Susquehanna, Citadel, and Jane Street, increased their net positions by 10.6 million, 8.6 million, and 7.9 million shares respectively, demonstrating ongoing market interest and investment enthusiasm for SoFi.
- Long-Term Growth Outlook: Despite recent stock price pullbacks, SoFi continues to gradually expand its loan, banking, and financial services user base, with anticipated mid-double-digit earnings growth that could sustain its rich forward price-to-earnings ratio of 38.6, suggesting potential for continued stock price appreciation.
See More
