SoFi Projects Stable Q1 Revenue Amid Stock Decline
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 30 2025
0mins
Should l Buy SOFI?
Source: SeekingAlpha
SoFi Technologies Inc. saw its stock price decline by 4.41%, hitting a 20-day low, as broader market conditions weighed on investor sentiment.
The company has guided for first-quarter net revenues of approximately $1.04 billion, aligning with consensus estimates, which reflects stability in revenue growth. Additionally, SoFi anticipates earnings of 12 cents per share, consistent with analyst expectations. Despite these positive forecasts, the stock's performance has been negatively impacted by broader market weakness, particularly as the Nasdaq-100 is down 1.44% and the S&P 500 is down 0.33%, indicating a sector rotation affecting SoFi's stock.
This guidance underscores SoFi's ongoing growth potential in the fintech sector, suggesting that while the stock may be facing short-term pressures, the company's strategic direction remains focused on expanding market share and enhancing profitability.
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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.
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Stock Futures Edge Up as Investors Await Economic Data and Earnings Reports
- SoFi Stock Surge: SoFi Technologies (SOFI) shares rose 5% after Citizens upgraded the stock from Market Perform to Market Outperform, with analyst Devin Ryan noting that the recent selloff was driven by risk-off sentiment rather than fundamentals, setting a price target of $30, implying about 44% upside.
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SoFi Technologies Projects 72% Profit Surge in 2026
- Profit Growth Forecast: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, demonstrating a strong transition from losses to profitability that boosts investor confidence.
- Accelerated Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, indicating a robust market demand and laying a solid foundation for future revenue growth.
- Expanding Net Interest Margin: With nearly $30 billion in interest-bearing deposits, up 32% year-over-year, SoFi benefits from a low-cost funding source that supports higher-yielding loans, further enhancing profitability through an expanded net interest margin.
- Diversified Revenue Streams: The company's fee-based revenue surged 53% year-over-year, showcasing SoFi's success in building diversified income sources that reduce reliance on interest income and provide a safeguard for sustainable growth.
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SoFi Projects 72% Profit Surge in 2026
- Profit Expectations Surge: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, marking a significant turnaround from a $484 million loss in 2021, showcasing strong business recovery and growth potential.
- Accelerating Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, and this rapid expansion of its customer base not only enhances market share but also strengthens the company's position in the competitive fintech landscape.
- Diversified Revenue Development: SoFi's fee-based revenue surged 53% year-over-year, indicating success in building diversified revenue streams, particularly as demand for personal, student, and home loans skyrockets, further bolstering its profitability.
- Optimistic Market Outlook: While investors reasonably expect growth to slow, Wall Street remains bullish, projecting a 36% increase in earnings per share in 2027 and 25% in 2028, reflecting confidence in SoFi's long-term growth potential.
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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.
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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.
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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
Stock Futures Edge Up as Investors Await Economic Data and Earnings Reports
- SoFi Stock Surge: SoFi Technologies (SOFI) shares rose 5% after Citizens upgraded the stock from Market Perform to Market Outperform, with analyst Devin Ryan noting that the recent selloff was driven by risk-off sentiment rather than fundamentals, setting a price target of $30, implying about 44% upside.
- Kroger CEO Appointment: Kroger (KR) shares increased by 5% following a Wall Street Journal report that former Walmart U.S. CEO Greg Foran will be appointed as the new CEO, a pivotal move as Kroger faces food price pressures and competition from discount grocers, marking a significant strategic shift for the company.
- Terawulf and Cipher Mining Rise: Terawulf (WULF) and Cipher Mining (CIFR) shares each gained 2% after Morgan Stanley initiated coverage with an Overweight rating, citing attractive valuations linked to Bitcoin-to-data center conversions, with price targets of $37 for Terawulf and $38 for Cipher Mining, both suggesting approximately 159% upside potential.
- Hims & Hers Stock Plunge: Hims & Hers Health (HIMS) shares fell 13% after the company announced it would stop offering a compounded version of Novo Nordisk's Wegovy (semaglutide) pill due to FDA scrutiny and industry pressure, raising broader concerns about compounded GLP-1 offerings.
See More
SoFi Technologies Projects 72% Profit Surge in 2026
- Profit Growth Forecast: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, demonstrating a strong transition from losses to profitability that boosts investor confidence.
- Accelerated Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, indicating a robust market demand and laying a solid foundation for future revenue growth.
- Expanding Net Interest Margin: With nearly $30 billion in interest-bearing deposits, up 32% year-over-year, SoFi benefits from a low-cost funding source that supports higher-yielding loans, further enhancing profitability through an expanded net interest margin.
- Diversified Revenue Streams: The company's fee-based revenue surged 53% year-over-year, showcasing SoFi's success in building diversified income sources that reduce reliance on interest income and provide a safeguard for sustainable growth.
See More
SoFi Projects 72% Profit Surge in 2026
- Profit Expectations Surge: SoFi Technologies anticipates adjusted net income to reach $825 million in 2026, a 72% increase from $481 million in 2025, marking a significant turnaround from a $484 million loss in 2021, showcasing strong business recovery and growth potential.
- Accelerating Customer Growth: In Q4 2025, SoFi added over 1 million customers, bringing the total to nearly 13.7 million, and this rapid expansion of its customer base not only enhances market share but also strengthens the company's position in the competitive fintech landscape.
- Diversified Revenue Development: SoFi's fee-based revenue surged 53% year-over-year, indicating success in building diversified revenue streams, particularly as demand for personal, student, and home loans skyrockets, further bolstering its profitability.
- Optimistic Market Outlook: While investors reasonably expect growth to slow, Wall Street remains bullish, projecting a 36% increase in earnings per share in 2027 and 25% in 2028, reflecting confidence in SoFi's long-term growth potential.
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
