Zacks Analyst Insights: Capital One Financial, SoFi, and OppFi
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 17 2025
0mins
Should l Buy SOFI?
Source: NASDAQ.COM
Stock Highlights: Zacks.com features stocks like Capital One Financial Corp. (COF), SoFi Technologies, Inc. (SOFI), and OppFi Inc. (OPFI) in their Analyst Blog, emphasizing their potential for growth in the evolving payments industry.
Growth in Payments Industry: The global payments sector is expected to thrive in 2026, driven by the shift to digital payments, increased consumer spending, and supportive monetary policies, including recent interest rate cuts by the U.S. central bank.
Company Performance: Capital One is projected to see growth in net interest income due to rising consumer loan demand, while OppFi is focusing on AI to enhance efficiency, and SoFi is expanding its digital ecosystem, all contributing to positive earnings forecasts.
Investment Opportunities: The article suggests that continued innovation and technological advancements in the payments space will benefit these companies, with Zacks ranking Capital One and OppFi as #1 (Strong Buy) and SoFi as #2 (Buy).
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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: 19.540
Low
18.00
Averages
28.31
High
38.00
Current: 19.540
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's Profitability Rises but Stock Faces Pressure
- Profitability Improvement: SoFi achieved profitability in 2024, with projected net income of $825 million for 2026, representing a 72% increase from 2025, indicating significant progress in financial performance despite market pressures.
- Capital Expansion Impact: In December 2025, SoFi announced a $1.5 billion stock offering priced at $27.50 per share, leading to dilution for existing shareholders and a 17% drop in stock price in January 2026, highlighting market sensitivity to new share issuances.
- Revenue Loss: SoFi reported a loss of $300 million to $400 million in revenue and $150 million to $200 million in profit due to the suspension of federal student loan payments from 2020 to 2023, which has made investors cautious about its future performance.
- Market Expectations and Valuation: Although SoFi's price/earnings-to-growth (PEG) ratio stands at 1.51, indicating overvaluation, historical data shows a more moderate valuation compared to previous quarters, suggesting that if the company effectively utilizes new capital, selling pressure may ease in the coming quarters.
See More
SoFi's Capital Raise Triggers Stock Volatility
- Capital Raise Impact: SoFi's announcement of a $1.5 billion stock offering at $27.50 per share led to a 17% drop in stock price in January 2026, highlighting market sensitivity to dilution effects on existing shareholders.
- Revenue Loss Analysis: The suspension of federal student loan payments resulted in SoFi losing between $300 million and $400 million in revenue and $150 million to $200 million in profit from March 2020 to March 2023, raising investor concerns about future profitability.
- Earnings Outlook Improvement: Despite challenges, SoFi expects net income of $160 million in Q1 2026, a 125% increase from Q1 2025, and a projected annual net income of $825 million for 2026, reflecting significant growth potential.
- Valuation Metric Changes: With a current PEG ratio of 1.51, SoFi is technically overvalued, yet this is lower than previous quarters' ratios, potentially allowing the company to meet and exceed expectations in the coming quarters, alleviating selling pressure.
See More
Trump Administration Increases Pressure on Student Loan Repayment
- Loan Default Risk: The U.S. Department of Education warns that over 1,800 higher education institutions have student loan default rates exceeding 25%, which could jeopardize their eligibility for federal student aid programs, thereby impacting their financial stability and enrollment appeal.
- Policy Implementation Requirements: The Education Department mandates that colleges prioritize reducing student delinquency rates not only through financial aid offices but also at the institutional leadership level, prompting schools to adopt more proactive measures in student loan management.
- Borrower Dilemma Intensifies: Last year, approximately 10 million borrowers were nearing default, with the Education Department revealing that over 600,000 federal student loan holders face a backlog in applications for affordable repayment plans, highlighting delays in policy execution and the pressures on borrowers.
- Household Financial Impact: Research indicates that a median U.S. household of four earning $81,000 could see its monthly bills surge from $36 to $440 due to legislative changes, reflecting the potential negative economic impact of these policy shifts on family finances.
See More
Investment Opportunities in Fintech Stocks
- SoFi's Rapid Growth: Since its inception in 2011 at Stanford University, SoFi's customer base reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, showcasing its strong appeal and market potential in online banking.
- Revenue Surge: Over the past five years, SoFi's revenue skyrocketed by 2,900%, hitting $4.77 billion in the last 12 months, with the company achieving over $500 million in pretax income in 2025, indicating the success and sustainability of its business model.
- Nubank's Market Expansion: Nubank has rapidly emerged in the Latin American market, boasting 106 million active customers by Q3 2025, with a 42% year-over-year revenue increase to $4.2 billion, demonstrating its strong competitive edge and profitability in mobile banking.
- Profitability Growth: Nubank's net income reached $783 million in 2025, indicating its ability to maintain profitability while growing rapidly, suggesting significant potential for future profit growth.
See More
Investment Opportunities in Fintech Stocks
- Nu Holdings Rapid Growth: As of Q3 2025, Nu Holdings boasts 106 million active users, showcasing significant year-over-year growth that highlights its strong appeal in the Latin American market, with expectations for continued revenue expansion.
- SoFi Customer Base Expansion: SoFi's customer count reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, indicating widespread acceptance of its online banking application and market penetration, with further revenue growth anticipated.
- Significant Revenue Growth: SoFi's revenue surged 2,900% over the past five years to $4.77 billion, achieving profitability, which underscores the sustainability of its business model and strong market demand.
- Improved Profitability: Nu Holdings reported a 42% year-over-year revenue increase to $4.2 billion in the last quarter, with net income rising to $783 million, demonstrating its ability to maintain profitability while rapidly expanding, suggesting greater profit growth potential ahead.
See More
Comparative Market Analysis: Bank of America vs. SoFi
- Bank of America Struggles: Despite Bank of America's stock rising over 50% in the past five years, it has declined by 3% this year, indicating short-term market weakness that may affect new investor confidence.
- SoFi's Rapid Growth: SoFi achieved a 40% year-over-year revenue growth in Q4 and secured its ninth consecutive quarter of profitability, with adjusted net income nearly tripling year-over-year, showcasing its strong performance in the fintech sector.
- Customer Base Expansion: SoFi added 1 million new customers in Q4, bringing its total to 13.7 million, reflecting the growing mainstream acceptance of online banking and further driving market share growth.
- Strong Product Demand: SoFi saw year-over-year increases of 33%, 28%, and 56% in bank account, investment account, and credit card openings, respectively, indicating rising popularity of its products that directly contribute to revenue and net income growth.
See More
SoFi's Profitability Rises but Stock Faces Pressure
- Profitability Improvement: SoFi achieved profitability in 2024, with projected net income of $825 million for 2026, representing a 72% increase from 2025, indicating significant progress in financial performance despite market pressures.
- Capital Expansion Impact: In December 2025, SoFi announced a $1.5 billion stock offering priced at $27.50 per share, leading to dilution for existing shareholders and a 17% drop in stock price in January 2026, highlighting market sensitivity to new share issuances.
- Revenue Loss: SoFi reported a loss of $300 million to $400 million in revenue and $150 million to $200 million in profit due to the suspension of federal student loan payments from 2020 to 2023, which has made investors cautious about its future performance.
- Market Expectations and Valuation: Although SoFi's price/earnings-to-growth (PEG) ratio stands at 1.51, indicating overvaluation, historical data shows a more moderate valuation compared to previous quarters, suggesting that if the company effectively utilizes new capital, selling pressure may ease in the coming quarters.
See More
SoFi's Capital Raise Triggers Stock Volatility
- Capital Raise Impact: SoFi's announcement of a $1.5 billion stock offering at $27.50 per share led to a 17% drop in stock price in January 2026, highlighting market sensitivity to dilution effects on existing shareholders.
- Revenue Loss Analysis: The suspension of federal student loan payments resulted in SoFi losing between $300 million and $400 million in revenue and $150 million to $200 million in profit from March 2020 to March 2023, raising investor concerns about future profitability.
- Earnings Outlook Improvement: Despite challenges, SoFi expects net income of $160 million in Q1 2026, a 125% increase from Q1 2025, and a projected annual net income of $825 million for 2026, reflecting significant growth potential.
- Valuation Metric Changes: With a current PEG ratio of 1.51, SoFi is technically overvalued, yet this is lower than previous quarters' ratios, potentially allowing the company to meet and exceed expectations in the coming quarters, alleviating selling pressure.
See More
Trump Administration Increases Pressure on Student Loan Repayment
- Loan Default Risk: The U.S. Department of Education warns that over 1,800 higher education institutions have student loan default rates exceeding 25%, which could jeopardize their eligibility for federal student aid programs, thereby impacting their financial stability and enrollment appeal.
- Policy Implementation Requirements: The Education Department mandates that colleges prioritize reducing student delinquency rates not only through financial aid offices but also at the institutional leadership level, prompting schools to adopt more proactive measures in student loan management.
- Borrower Dilemma Intensifies: Last year, approximately 10 million borrowers were nearing default, with the Education Department revealing that over 600,000 federal student loan holders face a backlog in applications for affordable repayment plans, highlighting delays in policy execution and the pressures on borrowers.
- Household Financial Impact: Research indicates that a median U.S. household of four earning $81,000 could see its monthly bills surge from $36 to $440 due to legislative changes, reflecting the potential negative economic impact of these policy shifts on family finances.
See More
Investment Opportunities in Fintech Stocks
- SoFi's Rapid Growth: Since its inception in 2011 at Stanford University, SoFi's customer base reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, showcasing its strong appeal and market potential in online banking.
- Revenue Surge: Over the past five years, SoFi's revenue skyrocketed by 2,900%, hitting $4.77 billion in the last 12 months, with the company achieving over $500 million in pretax income in 2025, indicating the success and sustainability of its business model.
- Nubank's Market Expansion: Nubank has rapidly emerged in the Latin American market, boasting 106 million active customers by Q3 2025, with a 42% year-over-year revenue increase to $4.2 billion, demonstrating its strong competitive edge and profitability in mobile banking.
- Profitability Growth: Nubank's net income reached $783 million in 2025, indicating its ability to maintain profitability while growing rapidly, suggesting significant potential for future profit growth.
See More
Investment Opportunities in Fintech Stocks
- Nu Holdings Rapid Growth: As of Q3 2025, Nu Holdings boasts 106 million active users, showcasing significant year-over-year growth that highlights its strong appeal in the Latin American market, with expectations for continued revenue expansion.
- SoFi Customer Base Expansion: SoFi's customer count reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, indicating widespread acceptance of its online banking application and market penetration, with further revenue growth anticipated.
- Significant Revenue Growth: SoFi's revenue surged 2,900% over the past five years to $4.77 billion, achieving profitability, which underscores the sustainability of its business model and strong market demand.
- Improved Profitability: Nu Holdings reported a 42% year-over-year revenue increase to $4.2 billion in the last quarter, with net income rising to $783 million, demonstrating its ability to maintain profitability while rapidly expanding, suggesting greater profit growth potential ahead.
See More
Comparative Market Analysis: Bank of America vs. SoFi
- Bank of America Struggles: Despite Bank of America's stock rising over 50% in the past five years, it has declined by 3% this year, indicating short-term market weakness that may affect new investor confidence.
- SoFi's Rapid Growth: SoFi achieved a 40% year-over-year revenue growth in Q4 and secured its ninth consecutive quarter of profitability, with adjusted net income nearly tripling year-over-year, showcasing its strong performance in the fintech sector.
- Customer Base Expansion: SoFi added 1 million new customers in Q4, bringing its total to 13.7 million, reflecting the growing mainstream acceptance of online banking and further driving market share growth.
- Strong Product Demand: SoFi saw year-over-year increases of 33%, 28%, and 56% in bank account, investment account, and credit card openings, respectively, indicating rising popularity of its products that directly contribute to revenue and net income growth.
See More
