SoFi Technologies Reports Strong Q4 Results with 7.6% Stock Surge
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Source: seekingalpha
- Earnings Beat: SoFi Technologies reported an adjusted EPS of $0.13 for Q4, exceeding analyst expectations of $0.12 and up from $0.11 in Q3, indicating a significant improvement in profitability.
- Strong Loan Growth: The company achieved loan originations of $10.5 billion, a 46% year-over-year increase, with personal loans at $7.5 billion growing 43%, reflecting robust market demand and performance.
- Record Member Growth: SoFi added a record 1 million new members this quarter, bringing total membership to 13.7 million, a significant increase from 12.6 million in September 2025, showcasing success in user acquisition and product growth.
- Optimistic Outlook: The company anticipates a GAAP EPS of approximately $0.60 for 2026, surpassing Wall Street's estimate of $0.58, demonstrating confidence in future growth and market potential.
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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: 24.360
Low
18.00
Averages
28.31
High
38.00
Current: 24.360
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 Q4 2025 Earnings Preview
- Earnings Announcement: SoFi Technologies is set to release its Q4 2025 earnings on January 30, with consensus EPS estimates at $0.11, reflecting a 120% year-over-year increase, and revenue estimates at $982.39 million, up 33.8%, indicating strong growth potential.
- Performance Track Record: Over the past two years, SoFi has exceeded EPS estimates 75% of the time and revenue estimates 100% of the time, showcasing the company's robust execution and market confidence in its financial performance.
- Market Environment Impact: J.P. Morgan noted that recent increases in 2-year and 5-year Treasury yields by approximately 10 and 20 basis points, respectively, could dampen personal loan demand, posing a modest headwind to earnings, although management typically guides conservatively during earnings calls.
- Investor Sentiment: While Bank of America resumed coverage of SoFi with an Underperform rating, reflecting cautious analyst sentiment, Seeking Alpha authors view the stock as a Buy, highlighting divergent perspectives on SoFi's future growth trajectory.
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Motley Fool Discusses Long-Term Hold on SoFi and EPD
- Long-Term Holding Strategy: Motley Fool contributors Jason Hall and Tyler Crowe express their intention to hold SoFi and Enterprise Products Partners stocks for at least the next five years, reflecting confidence in the long-term growth potential of both companies.
- Market Performance Analysis: As of January 28, 2026, SoFi's stock price was $0.98, while Enterprise Products Partners saw a 1.84% increase, indicating strong market performance and investment appeal in their respective sectors.
- Investment Rationale: Hall and Crowe emphasize SoFi's innovative capabilities in fintech and Enterprise Products Partners' robust performance in energy infrastructure, suggesting both companies possess strong risk resilience in future economic conditions.
- Future Outlook: The analysts believe that as market conditions evolve and industries develop, both companies are poised for sustainable growth, potentially delivering long-term returns for investors.
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