SoFi Projects 72% Profit Surge in 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 2h ago
0mins
Should l Buy SOFI?
Source: Fool
- 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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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.
- 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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- 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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- 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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- 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.
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