SoFi Technologies vstupuje do výsledků za 2. čtvrtletí 29. července s poklesem akcií o 37,13 % od začátku roku, zatímco objem úvěrů vzrostl o 68 % a čistý zisk o 134,45 %.
SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) enters its July 29 Q2 earnings report with a sharp disconnect between its stock and its business. The stock is down 37.13% year to date, but loan originations rose 68%, net income climbed 134%, and management still expects about 30% adjusted revenue growth for the year.
At $16.46 per share, the big question ahead of Q2 earnings is whether SoFi’s falling stock price has created a buying opportunity.
Sofi Stock Is Falling While Profits Climb 135% Q1 2026 delivered record loan originations of $12.18 billion, up 68% YoY, GAAP net income of $166.73 million, up 134.45% YoY, and operating income up 150.12%. Members grew 35% YoY, and 43% of new products came from existing members, the cross-sell flywheel management has spent five years engineering.
Full-year 2026 guidance calls for $4.655 billion in adjusted net revenue (about 30% growth) and $0.60 in adjusted EPS, with medium-term guidance for a 38% to 42% adjusted EPS CAGR through 2028.
A 28x P/E Looks Cheap Against 38% to 42% EPS Growth SoFi trades at a forward P/E of 28 with a PEG ratio of 0.81. While banks typically command lower earnings multiples than the broader market, SoFi’s sub-1 PEG ratio suggests its valuation remains attractive relative to its growth. The analyst consensus price target sits at $20.58 vs the stock’s current price of $16.46, and SoFi has now met or beaten estimates for seven consecutive quarters.
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SoFi’s Bank Charter Gives It an Advantage Rivals Cannot Match Investors reaching for cheaper fintech exposure might look at LendingClub (NYSE:LC) or Upstart Holdings (NASDAQ:UPST). LendingClub carries a forward P/E of 12, but its quarterly revenue growth is 12.5% YoY, a fraction of SoFi’s. Upstart is more expensive at a forward P/E of 36 on a 4.21% profit margin and a 0.9% operating margin, but the business lacks a bank charter or a deposit base.
SoFi’s 14.8% profit margin and 18.3% operating margin show the business has strong quality, though investors have to pay up for it with the stock trading at a 28x forward P/E.
The Two Risks Investors Must Watch on July 29 Q2 Earnings The Technology Platform segment fell 27% YoY on a large client departure, and personal loan charge-offs ticked up sequentially to 3.03% from 2.80%. Both are manageable against the broader setup, but are worth watching further. Deposits of $40.24 billion now fund over 90% of liabilities, cost of funds fell 48 basis points, and net income more than doubled in the same quarter.
If charge-offs remain controlled and SoFi maintains its 2026 outlook, the current valuation could represent one of the more attractive growth setups in fintech.
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SoFi Technologies rozšiřuje nabídku o AI investiční platformu, stablecoiny, finanční plánování a investiční produkty. Investoři se soustředí na výhled tržeb za 2. čtvrtletí.
SummarySoFi is aggressively seeking to diversify its lending focused revenue stream with new product expansions via an AI investment platform, stablecoins, financial planning and investment products. Q1 debit spending rebounded, particularly in travel and dining, but tax refunds appear to have driven the increase. Meanwhile, consumer sentiment remains very weak at multi-decadal lows. Investors should focus on Q2 revenue guidance, as SoFi has regularly beaten reported-revenue estimates while guidance has been less compelling. SoFi’s valuation implies nearly 41% 5-yr earnings CAGR growth, above the 35% consensus forecast. Technicals are mixed: bearish momentum persists, but the stock is holding a key resistance-turned-support level. Joe Hendrickson/iStock Editorial via Getty Images
Performance assessment SoFi Technologies (SOFI) has gone mostly sideways since my last update. It has beaten the market by >6%, but I do not view that as very material as that kind of
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SoFi Technologies za poslední měsíc vzrostla o 2 % a Zacks jí dává hodnocení #3 (Hold), tedy výkon zhruba v souladu s trhem. Analytici čekají zisk na akcii 0,11 USD za aktuální čtvrtletí a tržby 1,11 mld. USD.
SoFi Technologies, Inc. (SOFI - Free Report) has been one of the most searched-for stocks on Zacks.com lately. So, you might want to look at some of the facts that could shape the stock's performance in the near term.
Shares of this company have returned +2% over the past month versus the Zacks S&P 500 composite's +0.3% change. The Zacks Financial - Miscellaneous Services industry, to which SoFi Technologies belongs, has lost 3.8% over this period. Now the key question is: Where could the stock be headed in the near term?
Although media reports or rumors about a significant change in a company's business prospects usually cause its stock to trend and lead to an immediate price change, there are always certain fundamental factors that ultimately drive the buy-and-hold decision.
Revisions to Earnings EstimatesHere at Zacks, we prioritize appraising the change in the projection of a company's future earnings over anything else. That's because we believe the present value of its future stream of earnings is what determines the fair value for its stock.
We essentially look at how sell-side analysts covering the stock are revising their earnings estimates to reflect the impact of the latest business trends. And if earnings estimates go up for a company, the fair value for its stock goes up. A higher fair value than the current market price drives investors' interest in buying the stock, leading to its price moving higher. This is why empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements.
For the current quarter, SoFi Technologies is expected to post earnings of $0.11 per share, indicating a change of +37.5% from the year-ago quarter. The Zacks Consensus Estimate has changed +0.4% over the last 30 days.
For the current fiscal year, the consensus earnings estimate of $0.59 points to a change of +51.3% from the prior year. Over the last 30 days, this estimate has changed -0.2%.
For the next fiscal year, the consensus earnings estimate of $0.8 indicates a change of +34.8% from what SoFi Technologies is expected to report a year ago. Over the past month, the estimate has changed -0.5%.
Having a strong externally audited track record, our proprietary stock rating tool, the Zacks Rank, offers a more conclusive picture of a stock's price direction in the near term, since it effectively harnesses the power of earnings estimate revisions. Due to the size of the recent change in the consensus estimate, along with three other factors related to earnings estimates, SoFi Technologies is rated Zacks Rank #3 (Hold).
The chart below shows the evolution of the company's forward 12-month consensus EPS estimate:
12 Month EPS
Projected Revenue GrowthEven though a company's earnings growth is arguably the best indicator of its financial health, nothing much happens if it cannot raise its revenues. It's almost impossible for a company to grow its earnings without growing its revenue for long periods. Therefore, knowing a company's potential revenue growth is crucial.
In the case of SoFi Technologies, the consensus sales estimate of $1.11 billion for the current quarter points to a year-over-year change of +29.7%. The $4.66 billion and $5.62 billion estimates for the current and next fiscal years indicate changes of +29.9% and +20.5%, respectively.
Last Reported Results and Surprise HistorySoFi Technologies reported revenues of $1.09 billion in the last reported quarter, representing a year-over-year change of +41.1%. EPS of $0.12 for the same period compares with $0.06 a year ago.
Compared to the Zacks Consensus Estimate of $1.04 billion, the reported revenues represent a surprise of +4.66%. The EPS surprise was 0%.
Over the last four quarters, SoFi Technologies surpassed consensus EPS estimates three times. The company topped consensus revenue estimates each time over this period.
ValuationWithout considering a stock's valuation, no investment decision can be efficient. In predicting a stock's future price performance, it's crucial to determine whether its current price correctly reflects the intrinsic value of the underlying business and the company's growth prospects.
Comparing the current value of a company's valuation multiples, such as its price-to-earnings (P/E), price-to-sales (P/S), and price-to-cash flow (P/CF), to its own historical values helps ascertain whether its stock is fairly valued, overvalued, or undervalued, whereas comparing the company relative to its peers on these parameters gives a good sense of how reasonable its stock price is.
The Zacks Value Style Score (part of the Zacks Style Scores system), which pays close attention to both traditional and unconventional valuation metrics to grade stocks from A to F (an A is better than a B; a B is better than a C; and so on), is pretty helpful in identifying whether a stock is overvalued, rightly valued, or temporarily undervalued.
SoFi Technologies is graded F on this front, indicating that it is trading at a premium to its peers. Click here to see the values of some of the valuation metrics that have driven this grade.
Bottom LineThe facts discussed here and much other information on Zacks.com might help determine whether or not it's worthwhile paying attention to the market buzz about SoFi Technologies. However, its Zacks Rank #3 does suggest that it may perform in line with the broader market in the near term.
U SoFi Technologies bude při výsledcích za 2. čtvrtletí klíčový růst segmentu finančních služeb, který v 1. čtvrtletí meziročně vzrostl o 41 % na tržbách. Management čeká podobné tempo růstu za celý rok.
All eyes are on SoFi Technologies (SOFI +2.32%) as it gets ready to report second-quarter earnings. After three blowout years during which it gained roughly 468%, it's down more than 30% so far in 2026.
There are various reasons the market has been disappointed in the stock this year, including its high valuation, a damaging short-seller's report, and a decline in its Tech Platform segment. When it reports second-quarter results on July 29, though, the one thing to look for is the growth in the financial services segment.
Image source: Getty Images.
The financial services segment covers all non-lending products, excluding the Tech Platform, which is a business-to-business platform. These are products like savings accounts and investing tools, and the segment has been growing rapidly.
For a while, financial services' growth was outpacing the lending segment. For example, in the 2025 fourth quarter, financial services revenue increased 78% while lending revenue was up 19%.
Lending has bounced back recently (up 55% year over year in Q1), and at the same time, the financial services segment has decelerated. In the 2026 first quarter, financial services products increased 40% year over year, while financial services revenue was up 41%. Financial services, though, still account for most of the product growth; 89% in the first quarter.
Management is guiding for similar growth for financial services for the full year, although it didn't provide specific second-quarter guidance figures for its segments.
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One thing in SoFi's favor in the second quarter was the Space Exploration Technologies initial public offering (IPO). SoFi was one of five trading platforms that offered retail access to the IPO, and since the IPO was said to have been highly oversubscribed, that should show up in its results.
This is where SoFi's major growth opportunities are as it works to cross-sell products, and this is what investors should be looking at.
SoFi Technologies letos klesla o 30,75 % a uzavřela na 18,13 USD. V 1. čtvrtletí 2026 ale zvýšila čistý zisk na 166,73 mil. USD a tržby na 1,10 mld. USD.
SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) has been one of the loudest post-election casualties in fintech. Shares closed at $18.13 on July 13, 2026, down 30.75% year to date from the December 31 close of $26.18. Our 24/7 Wall St. price target for SoFi is $20.84, implying 14.96% upside over the next twelve months. The recommendation is buy, with confidence at 90%.
24/7 Wall St. Price Target Summary Metric Value Current Price $18.13 24/7 Wall St. Price Target $20.84 Upside 14.96% Recommendation BUY Confidence Level 90% From $28 to $18: What Actually Broke The stock topped out near $28.03 in October 2025, cratered to $15.61 in May 2026, and has clawed back 9.35% over the past month. The 52-week range is $14.92 to $32.73.
Q1 2026 delivered record loan originations of $12.18 billion, up 68% YoY, revenue of $1.10 billion, and net income of $166.73 million, up 134% YoY. The selloff stemmed from Muddy Waters accounting allegations from March 2026, a 27% Technology Platform revenue decline from a client departure, and rising personal loan charge-offs at 3.03%. CEO Anthony Noto said, “We had an excellent Q1 delivering another quarter of durable growth and strong returns.”
The Case for $25+ Management guided FY2026 adjusted net revenue to $4.655 billion (~30% growth), adjusted EBITDA of $1.6 billion at a 34% margin, and adjusted EPS of $0.60. The plan calls for adjusted EPS CAGR of 38% to 42% through 2028.
Product launches are stacking fast: Composer AI investing platform, small business loans up to $250,000, the SoFiUSD stablecoin, and Mastercard settlement rails. Cathie Wood’s ARK has been adding, and a TIKR mid-case model values the stock at $48 by December 2030.
Insider buying signals conviction: the CEO acquired 390,874 shares during the drawdown, and the board bought a coordinated 122,238 shares on June 9, 2026.
What Could Go Wrong The bear case runs to $18.12 over twelve months, essentially flat. Credit is the pressure point. Student loan charge-offs rose to 0.65% from 0.47%, and personal loan charge-offs climbed to 3.03% from 2.80% sequentially. NIM compressed 63 basis points.
The Technology Platform segment’s 27% revenue decline reflects a large client departure, with $3.6 billion in new Loan Platform Business commitments replacing the lost volume.
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Regulatory overhang from the Muddy Waters allegations and a Signal Law Group VRS bulletin is real. Analyst consensus remains a “Hold” across 25 analysts, and beta at 2.15 means macro shocks hurt disproportionately.
How SoFi Stacks Up Against Robinhood and Ally Robinhood (NASDAQ:HOOD) is the direct fintech growth comp. Robinhood carries a market cap of roughly $86.9 billion against FY2025 EPS of $2.05, trading at a far richer multiple than SoFi’s forward P/E of 31. Q1 2026 revenue missed by 6.07% at Robinhood as crypto revenue collapsed 47%. SoFi’s 4.87% revenue beat and diversified engine look underpriced.
Ally Financial (NYSE:ALLY) is the incumbent digital bank comparison. Ally posted Q1 2026 adjusted EPS of $1.11, beating consensus by 17.93%, and pays a $0.30 quarterly dividend, but its top line contracted 38.7% YoY after the credit card divestiture. SoFi is compounding revenue at 30%+ while Ally is optimizing. Against this peer set, our $20.84 target looks reasonable to conservative.
The Buy-the-Dip Setup, With Guardrails The 24/7 Wall St. price target is $20.84, the call is buy, and confidence is 90%. What tips the scale is the insider tape: the CEO, CFO, CTO, and six directors bought together while the stock was in the $15 to $17 range.
For readers thinking about fintech inside a broader AI-driven portfolio, our 7 Stocks Powering the AI Boom research frames the sector’s setup.
The setup strengthens if credit metrics stabilize at Q2 earnings on July 29, 2026. The thesis weakens if personal loan charge-offs push above 3.25% or the Muddy Waters allegations escalate.
Year 24/7 Wall St. Price Target 2026 $20.84 2027 $23.50 2028 $26.10 2029 $28.60 2030 $28.60 base / $41.74 bull These projections assume SoFi hits its 30%+ revenue CAGR and 38% to 42% EPS CAGR through 2028. Meaningful upside or downside could come from stablecoin adoption, credit cycle turns, or the Q2 earnings report on July 29.
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SoFi se po letošním propadu zhruba o 30 % odráží zpět a před výsledky za 2. čtvrtletí je kolem 18,72 USD. Tržby v 1. čtvrtletí vzrostly o 41 % na 1,1 miliardy USD.
SoFi stock has rebounded in recent weeks, climbing from its year-to-date low of about $15 to around $19 today. Even so, the shares remain roughly 42% below their all-time high. CEO Anthony Noto has attributed much of the weakness to the broader pullback in fintech stocks.
With the company's earnings due later this month, the key question is whether SoFi can extend its recovery or resume its downtrend.
SoFi Technology has lagged the market this year, with its stock falling by nearly 30%, while the Nasdaq 100 has jumped by 18%.
This retreat happened even as the company published strong results and launched new products in its goal to become the go-to app for financial services. It relaunched crypto trading, launched a new stablecoin (SoFiUSD), Coach, a new AI solution offering financial advise, and a new Home Equity Line of Credit (HELOC) solution.
SoFi’s finances have done well this year. Its last financial results showed that its net revenue jumped 41% in the first quarter to $1.1 billion, higher than what analysts were expecting. This growth happened as the number of members jumped 35%, while its products rose 39%. Its new members rose by a record 1.1 million in Q1 to 14.7 million.
Most importantly, the company’s growth is expected to continue in the foreseeable future. Its upcoming results later this month are expected to show that its revenue jumped 30% to $1.12 billion. These are solid numbers for a company in the financial services industry, and one that has not made any major acquisitions recently.
The annual revenue is expected to jump to $4.68 billion this year followed by $5.78 billion next year. Also, its profits are expected to keep rising, with the earnings per share reaching 59 cents this year, followed by 81 cents next year.
READ MORE: Why Cathie Wood is doubling down on this $18 stock
In a CNBC interview this week, CEO Anthony Noto argued that the ongoing SoFi weakness is primarily because of its sector. Indeed, most fintech stocks like PayPal, Shift4 Payments, and Coinbase have all dropped this year.
Another reason is that the company diluted its shareholders earlier this year, raising $1.58 billion by issuing 57.7 million new shares. In total, the company raised over $3.8 billion in six months.
Investors are also questioning SoFi’s business after Muddy Waters published a highly bearish report. It accused the company of inflating the fair value of its loan portfolio, underreporting its losses, and having hidden debt. SoFi denied those allegations.
Finally, there have been concerns about its valuation, with its forward price-to-earnings ratio being 31, and its PEG ratio rising to 9.12. The company justifies its valuation by using the Rule of 40, which stands at 72%. It was the 18th consecutive quarter of having a score higher than 40%.
SoFi stock chart | Source: TradingView
The daily chart shows that the SoFi stock has jumped from $15 to $18.72 today. It has already crossed the 50-day moving average, while the Relative Strength Index (RSI) has been in an uptrend after bottoming at 21 a few months ago. It stands at 60 today, and the uptrend is continuing. As such, this RSI suggests that it has more upside before it gets to overbought levels.
The risk, however, is that it has slowly formed a rising wedge pattern, which may lead to more downside. In this case, it may be ideal to wait for the stock to cross the upper side of the wedge for confirmation of the bullish breakout. A move above that level will point to more gains towards $25.
SoFi Technologies oznámila akvizici investičního AI nástroje Composer, který umí podle zadání vytvářet a automaticky provádět obchodní strategie. Trh na zprávu reagoval pozitivně.
The stock of SoFi Technologies (SOFI +5.02%) has been a huge disappointment for investors recently; it's down 32% year to date as of this writing.
However, it's been performing well and building its business, putting it in a position to climb again. Management just announced its latest acquisition, the artificial intelligence (AI) investing tool Composer. Is this its next big catalyst?
The one-stop financial app SoFi aims to be a one-stop financial app for its users. It started out as a lender and has expanded into a large array of financial services, including investing tools.
These other services do many positive things for SoFi. They open up new sources of revenue; hedge the business against high interest rates, which can hurt lenders; and generate high cross-selling opportunities, which are part of management's long-term growth strategy. The platform also offers several AI-based tools that help customers get their money right and feed into the overall model.
Image source: Getty Images.
For example, customers with a bank account might use its AI features to analyze their finances, and the bank's AI could detect a better SoFi credit card. The users might then switch to that credit card, giving them two of the company's products.
Management targets young professionals, an upwardly mobile population that likes all things digital and AI. Composer is an AI agent that can create and execute investing strategies using natural language. Investors can create their own custom plan or use community-built strategies, and they can automate the execution of stock trades based on prompts and criteria. Composer isn't the only AI investing agent, but it fits into SoFi's broader model and offers greater value for its members.
Can the stock recover? SoFi has launched a slew of tech-first services this year, including its own stablecoin and blockchain-based international wire transfers. These have not helped the stock recover, although the market did respond positively to the Composer announcement, and shares have started to bounce back from lows earlier this year.
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In most respects, SoFi is performing well. Adjusted net revenue accelerated to 41% growth year over year in the 2026 first quarter, and earnings per share increased from $0.06 to $0.13. The loan business has momentum, with a 68% year-over-year increase in originations this quarter, spread across categories.
On its own, an AI agent won't be the answer to a SoFi rebound, but it's another way the company can keep attracting record new users and set itself up for success. And there's still an opportunity to buy on the dip at the current price.
SoFi v 1. čtvrtletí 2026 přidala rekordních 1,1 milionu členů na 14,7 milionu a počet produktů vzrostl o 39 % na 22,2 milionu. Nástroj AI Coach v testu přiměl téměř 70 % aktivních uživatelů k finanční akci.
Key Takeaways SoFi added 1.1M members in Q1 2026, reaching 14.7M, while products rose 39% year over year.SOFI Coach helped nearly 70% of engaged test members take meaningful financial actions in early testing.Composer by SoFi lets investors build, test and automate rules-based strategies using natural language. SoFi Technologies (SOFI - Free Report) is leaning harder into AI as it turns its “everything app” into a more active financial hub. In the first quarter of 2026, the company added a record 1.1 million members, reaching 14.7 million, while products rose 39% year over year to 22.2 million. Cross-buy reached 43%, showing that more members are using multiple SoFi products.
That matters because SoFi’s model depends on deeper relationships, not just one-time account openings. Management calls this the Financial Services Productivity Loop, where brand awareness brings in members, more products build trust and higher lifetime value supports innovation. In the first quarter, unaided brand awareness hit 10%, showing that the platform is gaining visibility.
SoFi Coach fits into that plan. The AI chat tool helps members track spending, manage debt, plan goals and take next steps in the SoFi app. In early testing, nearly 70% of engaged test members took actions such as paying down debt or moving money into higher-yield accounts.
Composer by SoFi focuses on investing. The platform lets investors build, test and automate rules-based strategies. Users can create custom strategies, explore more than 2,000 community-built strategies or combine approaches into diversified portfolios while keeping control over rules and inputs.
The AI push comes as SoFi is already showing strong financial momentum. First-quarter 2026 adjusted net revenues rose 41% to $1.1 billion and adjusted EBITDA increased 62% to $340 million. If Coach drives daily engagement and Composer expands investing usage, AI could become a practical growth layer for SOFI’s member ecosystem.
How Are Other Competitors Faring?Upstart (UPST - Free Report) remains the most direct AI-driven lending peer to SOFI. Its proprietary models assess credit risk, detect fraud, price loans and support expansion into auto and home lending. The company says AI remains its growth engine despite profit pressure. In the first quarter of 2026, 91% of loans on Upstart’s platform were fully automated, with no human intervention.
Happen, Inc. (HAPN - Free Report) , formerly LendingClub, operates Happen Bank and positions itself primarily as a digital bank. It uses AI, machine learning and data-driven underwriting to support credit decisions, risk assessment and loan pricing. Its rebranding reflects a shift beyond marketplace lending toward a broader digital banking platform. In first-quarter 2026, it generated $2.7 billion in loan originations, up 31% year over year.
SOFI’s Price Performance, Valuation, and EstimatesShares of SOFI have gained 9% in the past three months, outperforming the broader industry but underperforming the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 26.67X, well above the industry’s 9.80X. It carries a Value Score of F.
Image Source: Zacks Investment Research
SOFI’s estimates have remained unchanged over the past month. The Zacks Consensus Estimate for full-year 2026 EPS is pegged at 59 cents.
Image Source: Zacks Investment Research
SOFI stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
SoFi po jarním propadu za poslední měsíc vzrostla o 12,2 %, ale od začátku roku zůstává 31,3 % v minusu. Tržby za 1. čtvrtletí dosáhly 1,10 miliardy USD a překonaly odhady.
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SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) is trading around $18 as of July 7, 2026, still down 31.3% year-to-date after a brutal spring. The catalyst for the drawdown: a March 2026 Muddy Waters report alleging accounting misstatements and undisclosed charge-off rates. Yet shares have rallied 12.2% over the past month, raising the question of whether the stock has bottomed.
The Fundamentals Never Broke The bear thesis was that credit was cracking beneath the surface. The Q1 2026 earnings report, filed April 29, 2026, argued otherwise. Revenue hit $1.10 billion, beating consensus by 4.9%, with EPS of $0.12 matching estimates for the fourth straight quarter. GAAP net income of $166.73 million rose 134.5% year over year, and loan originations set a record at $12.18 billion.
CEO Anthony Noto said, “We had an excellent Q1 delivering another quarter of durable growth and strong returns, fueled by our relentless focus on innovation and brand building.”
What Sparked the Bounce Recovery catalysts have stacked up quickly. On June 23, 2026, SoFi acquired Composer Securities and launched Composer by SoFi, an AI-powered investing platform. Noto argued, “As AI becomes a foundational part of investing, Composer by SoFi strengthens our ability to deliver powerful investing tools through an experience that is simple, intuitive, and accessible.” Days later, the company rolled out small business loans up to $250,000 with 24-hour funding.
Smart money has been leaning in. Cathie Wood’s ARK made four consecutive purchases, including over 200,000 shares (around $3.62 million) on June 30, 2026. Jim Cramer reiterated an “I Continue to Believe It’s Time to Buy” stance on June 23, 2026. For investors weighing how to play post-selloff setups, 24/7 Wall Street’s Breakout Buyers Rulebook covers the framework.
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The Bear Case Hasn’t Vanished The Muddy Waters overhang lingers. Signal Law Group followed up on June 27, 2026, with a Securities Disclosure Risk bulletin. Credit metrics are drifting: personal loan charge-offs rose to 3.0% from 2.8% sequentially, student loan charge-offs to 0.7% from 0.5%, and average asset yields fell 63 basis points. The Technology Platform segment shrank 27% after a large client departure.
Wall Street is unconvinced. The consensus rating is Hold, with an average target of $20.90. The forward P/E of 30x relative to 2026 guidance of approximately $0.60 in adjusted EPS leaves little room for error.
Verdict: Off the Lows, Not Yet Confirmed Shares have clearly recovered from the $16.03 low in early June, and the operational story continues to support the bulls. Whether $18 holds as a durable base depends on the July 29, 2026, Q2 earnings call, where analysts expect revenue of $1.1 billion and EPS of $0.11. Investors should monitor the stock and, more importantly, the charge-off trajectory.
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SoFi spustila ETF SFYI, který investuje do 50 nejčastěji držených amerických akcií v účtech SoFi a přidává aktivně řízenou opční strategii pro měsíční příjem a růst.
The Social 50 Income ETF combines exposure to stocks widely held in SoFi member-driven accounts, with an active options strategy that seeks monthly income and long-term growth
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the everything app for digital financial services, today announced the availability of a new exchange-traded fund (ETF), the SoFi Social 50 Income ETF (NYSE Arca: SFYI). SFYI invests in the top 50 U.S.-listed stocks held by SoFi Invest self-directed brokerage accounts and adds an actively managed options strategy designed to pursue monthly income distributions and growth potential.
Many investors use options strategies, like covered calls, as part of an income-oriented investment approach. But putting those strategies into practice can require a significant upfront investment, ongoing risk management, and time to execute.
SFYI offers a simpler way to access potential income by combining a professionally managed options strategy with a diversified portfolio of stocks held in SoFi Invest self-directed brokerage accounts. Through a single ETF, investors can gain exposure to an options-based income strategy without having to build and manage covered call positions on their own.
“Income-seeking investors are being challenged to rethink their traditional playbook amid an uncertain interest rate environment and economic volatility – but they may not know where to start,” said Brian Walsh, Head of Advice and Planning at SoFi. “With SFYI, we are providing investors with another way to pursue their objectives. By combining the most-widely held stocks by members of the SoFi Active Invest community with a strategy that seeks monthly income and potential growth, SFYI helps simplify options-based strategies by offering exposure through a single ETF.”
SFYI offers a simpler path to options-based income with strategies such as covered calls and call spreads. By embedding these tools directly into the fund, investors receive:
Lower Capital Barriers: Covered call strategies typically require owning at least 100 shares of a stock. SFYI provides access to an options-based income strategy through a single ETF. Active Management: The fund is actively managed by professional portfolio managers, removing the need for investors to manually execute and manage options trades. Convenient ETF Structure: SFYI provides an efficient way for investors to access complex options strategies rather than executing them independently. Greater Diversification: Rather than concentrating on a single company stock, the fund's options strategy is applied across a broad portfolio of some of the most widely-held stocks, offering a more diversified approach to income investing. SFYI builds upon SoFi’s existing ETF, the SoFi Social 50 ETF (NYSE Arca: SFYF), which invests in the top 50 stocks most widely held by members of the SoFi Active Invest community, and adds an income-generating options strategy. Current holdings for SFYF, though subject to change, include names such as Tesla, NVIDIA, and Amazon. Stocks are rebalanced monthly and weighted according to how much money members have invested in each company at the end of every month.
SFYI is a series of Tidal Trust I. Tidal Investments LLC, a Tidal Financial Group company, is the Investment Adviser to SFYI with a gross expense ratio of 0.73%. SoFi serves as brand sponsor and marketing support provider, but does not make investment decisions, provide investment advice, or otherwise act as investment adviser. SFYI is listed on NYSE Arca and can be purchased through SoFi Invest and other brokerage platforms like other ETFs available in the secondary market.
In addition to SFYI and SFYF, other SoFi-sponsored ETFs are advised by Tidal Investments LLC:
SoFi Agentic AI ETF (AGIQ) – invests in U.S. companies driving the next wave of artificial intelligence SoFi Select 500 (SFY) – composed of the 500 largest publicly traded U.S. companies, weighted using a proprietary growth factor SoFi Enhanced Yield ETF (THTA) – combines U.S. Treasuries and options-trading to pursue monthly income For more information on SFYI, please visit: sofi.com/invest/etfs/sfyi/.
About SoFi
SoFi Technologies (NASDAQ: SOFI) is the everything app for digital financial services on a mission to help people achieve financial independence to realize their ambitions. 14.7 million members trust SoFi to borrow, save, spend, invest, and protect their money and buy, sell and hold their crypto – all in one app – and get access to financial planners, exclusive experiences, and a thriving community. Fintechs, financial institutions, and brands use SoFi’s technology platform Galileo to build and manage innovative financial solutions across 133 million global accounts. For more information, visit www.sofi.com or download our iOS and Android apps.
About Tidal
Tidal Investments LLC, a Tidal Financial Group company, serves as investment adviser to the Fund.
Disclosures
Investing involves risk, including possible loss of principal. SFYI’s investment objective, strategy, distribution target, and references to monthly income, long-term capital appreciation, growth potential, or options-based income are not guarantees of future results. There is no guarantee that SFYI will achieve its investment objective or make distributions in any given month. Distributions, if any, may vary and may include return of capital. Options strategies involve risks different from ordinary portfolio securities transactions and may limit gains or result in losses. Review the Characteristics and Risks of Standardized Options.
SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC when offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC. Neither SoFi Securities LLC nor SoFi Wealth LLC are the issuer, investment adviser, distributor, or underwriter of SFYI and do not sponsor SFYI in their broker-dealer or investment adviser capacities, respectively. This press release is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to buy shares of SFYI or any other security through SoFi Securities LLC or any other broker-dealer.
For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with SoFi Invest please view our fee schedule.
Before investing in Exchange Traded Funds (ETFs), always read the fund's prospectus. It contains important information about the fund’s objectives, risks, and fees. You can get a prospectus from the fund company’s website or by emailing our customer service at [email protected].
Derivatives Risk. Derivatives are financial instruments that derive value from the underlying reference asset or assets, such as stocks, bonds, or funds (including ETFs), interest rates or indexes.
NAV Decline Risk Due to Distributions. When the Fund makes a distribution, the Fund’s NAV will typically drop by the amount of the distribution on the related ex-dividend date.
Concentration Risk. The Fund’s investments will be concentrated in an industry or group of industries to the extent SFYF is so concentrated.
High Portfolio Turnover Risk. The Fund may actively and frequently trade all or a significant portion of the Fund’s holdings. A high portfolio turnover rate increases transaction costs, which may increase the Fund’s expenses.
New Fund Risk. The Fund is a recently organized management investment company with no operating history. As a result, prospective investors do not have a track record or history on which to base their investment decisions.
Non-Diversification Risk. The Fund is classified as “non-diversified,” which means the Fund may invest a larger percentage of its assets in the securities of a smaller number of issuers than a diversified fund.
If you purchase investment funds, including Exchange Traded Funds (ETFs), through SoFi Invest, either on your own or with automated investing, the funds have their own management fees. These fees are paid by the fund itself, not directly by you and can reduce the fund's returns. More detailed information about a fund's fees can be found in its prospectus.
SoFi Invest does not receive sales commissions or other fees from the ETFs it invests in on your behalf, but could earn management fees if SoFi Invest creates its own fund(s).
SoFi may waive or change its fees at any time. The most current fee schedule is available in your Account Documents within the SoFi app or online account.
Distributed by Foreside Fund Services, LLC. Foreside is not affiliated with SoFi or Tidal.
Availability of Other Information About SoFi
Investors and others should note that we communicate with our investors and the public using our website (https://www.sofi.com), the investor relations website (https://investors.sofi.com), and on social media (X and LinkedIn), including but not limited to investor presentations and investor fact sheets, Securities and Exchange Commission filings, press releases, public conference calls and webcasts. The information that SoFi posts on these channels and websites could be deemed to be material information. As a result, SoFi encourages investors, the media, and others interested in SoFi to review the information that is posted on these channels, including the investor relations website, on a regular basis. This list of channels may be updated from time to time on SoFi’s investor relations website and may include additional social media channels. The contents of SoFi’s website or these channels, or any other website that may be accessed from its website or these channels, shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.
SoFi Technologies v 1. čtvrtletí zvýšila očištěné čisté tržby o 41 % a počet nových členů dosáhl rekordních 1,1 milionu. Akcie ale po reportu short-sellera zůstávají pod tlakem.
SoFi Technologies (SOFI 1.06%) stock dropped 32% in the 2026 first quarter, according to data provided by S&P Global Market Intelligence. A short-seller report that put the market on edge, and investors have been scrutinizing the digital bank's performance with a fine-tooth comb.
Most things are going right It's curious how low SoFi stock has fallen, considering how fast it's growing. In the 2026 first quarter, adjusted net revenue growth accelerated to 41% year over year. Its core business, lending, is driving the growth, with a 53% increase in adjusted net revenue. Lending products increased by 33%, and contribution profit was up 60%. Loan originations increased 68%, with healthy growth in all of its categories -- 51% in personal loans, 119% in student loans, and 137% in home loans, which is even more impressive as interest rates remain high.
Image source: Getty Images.
SoFi is onboarding new members at a rapid pace, with record add-ons of 1.1 million in the first quarter. The cross-selling strategy is strong, and cross-buy accelerated to 43%. SoFi has expanded into a complete digital financial app, and its financial services segment, which includes non-lending products like investing tools and bank accounts, is also growing fast. Revenue was up 41% year over year in the first quarter, and contribution profits increased 32%.
Management sees an enormous opportunity to attract new customers and convert them to new products. It's constantly adding new features and services to the platform, with many based around cryptocurrency, and it recently acquired artificial intelligence (AI) investing tool, Composer.
What's going wrong In March, Muddy Waters put out a short-seller report alleging misleading accounting practices. SoFi vigorously denied the claims, but the damage had been done.
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But it's more than that. SoFi stock is expensive, and carrying a premium valuation makes it susceptible to falling if there are any errors. While the company as a whole is demonstrating robust performance, it's not flawless. For example, its third segment, Tech Platform, has been a bit of a bust. Management likens it to the Amazon Web Services (AWS) of financial infrastructure, and it has highlighted how the technology has helped it release new features quickly. But it has been growing at mediocre rates at best, and sales were down 27% from the prior year in the first quarter.
At the current price, SoFi stock trades at 41 times trailing 12-month earnings, which is still expensive, but reasonable considering the company's future opportunity.
SoFi po získání národní bankovní licence výrazně zlevnila financování a vklady vzrostly z 1,2 miliardy USD na 40,2 miliardy USD. Čistý úrokový příjem se díky tomu zvýšil o 781 % z 252 milionů USD v roce 2021 na více než 2,2 miliardy USD v roce 2025.
SoFi Technologies' (SOFI 1.08%) operations were launched more than a decade ago. Back then, the company's sole activity was providing alumni-funded loans to recent grads.
Fast-forward to today, and SoFi has become a full-fledged digital financial services entity. Growth has been exceptional, as the business expanded its product and service offering. This helped to rapidly bring on new members.
In 2022, SoFi obtained a national bank charter that reshaped the company. Here's how this move could pay off for long-term investors.
Image source: Getty Images.
Taking deposits provides an advantage Before SoFi got a bank charter, its operations were funded by a mix of securitized debt, warehouse facilities, and convertible notes. These sources of capital had obviously helped the business reach that point.
The issue, though, is that this kind of funding can be expensive. And it's dependent on robust capital market conditions. This sets the bar higher. When originating loans, SoFi must aim to achieve a better return than what it pays on its funding capital to generate net interest income. This put it at a huge disadvantage relative to banking peers.
The company announced in January 2022 that it had received approval from the Office of the Comptroller of the Currency and the Federal Reserve to acquire Golden Pacific Bancorp, a community bank that was based in Sacramento, California. This deal, giving SoFi a national bank charter, was then closed in February of that year.
Since that seminal moment, SoFi has been completely transformed. It immediately started offering checking and savings accounts to customers. As of March 31, 2022, the business had $1.2 billion in total deposits. Exactly four years later, that figure had ballooned to $40.2 billion.
Of SoFi's $42.9 billion in total liabilities, 94% are represented by these deposits (up from 17% four years before). This supported SoFi's Q1 2026 net interest margin of 5.94%. Net interest income also jumped 781% from $252 million in 2021 to over $2.2 billion in 2025.
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Deposits are considered extremely sticky, as they establish a bank's direct relationship with where customers park their money. SoFi's savings account pays a standard annual percentage yield of 3.1%, well above the national average, which also attracts capital.
The fact that SoFi's deposit base is expanding so quickly is a sign of heightened demand from individuals for a tech-enabled platform with a superior user experience. This bodes well for the company's long-term success. Management expects adjusted earnings per share to increase at a compound annual rate of 40% (at the midpoint) over the next three years.
Without a national bank charter that drastically lowered its funding costs and opened up the capital floodgates, these profit gains would not be possible. An expanding earnings stream is just what this fintech stock's investors want to see.
SoFi v prvním čtvrtletí 2026 vytvořila rekordní úvěry za 12,2 miliardy USD, meziročně o 68 % více. Přesto Truist snížila cílovou cenu akcie z 20 na 17 USD kvůli slabším vyhlídkám tržeb.
During the first three months of 2026, SoFi Technologies (SOFI 2.77%) originated $12.2 billion in combined personal, student, and home loans. While this figure was up 68% year over year and established a new company record, it didn't please investors.
Matthew Coad, a research analyst at Truist Financial, cut the firm's price target for SoFi from $20 to $17. He expects weaker Q2 revenue from the loan platform segment.
The downgrade was also the result of the company's technology platform segment registering a 27% revenue decline. This was due to the loss of an important client, although the total number of accounts fell 16% from Q1 2025.
Does the fintech stock's dip, a reflection of Wall Street's bearishly inclined perspective, leave a disconnect that investors can take advantage of by buying SoFi?
Image source: Getty Images.
With such outstanding growth, it's easy to be bullish SoFi's first-quarter results add fuel to the bull case. Record loan originations propelled the business's top line, with adjusted net revenue up 41% year over year. The membership base expanded by 35% to 14.7 million.
Despite strong growth, investors are giving more weight to Truist's price target cut. This is despite upbeat data points coming from the company.
SoFi added $3.6 billion in new commitments from capital markets partners to fund personal loans. And demand has been better than expected. Loan platform business originations were up 90% compared to Q1 2025.
Maybe the market is concerned about SoFi's lending potential in a higher-for-longer rate environment. But the Federal Reserve's benchmark rate has been in the current range of 3.5% to 3.75% or higher since late 2022, and these tighter conditions haven't prevented the company from continuing to post superb growth.
Trends in the technology platform segment are less impactful because its first-quarter revenue of $75 million represented less than 7% of SoFi's total sales base. Management is still focused on innovation, though. The business plans to soon launch SoFi Technology Solutions, rebranding the tech platform segment.
"The new brand reflects the more comprehensive set of products and services that we now offer enterprise clients across a total of four platform businesses," CEO Anthony Noto said on the Q1 2026 earnings call.
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Starting valuation impacts the fintech stock's investment case SoFi historically hasn't been a cheap stock, which is probably why the market will worry at any hint of a slowdown. But now that shares trade 44% below their peak, investors can buy the business at a forward price-to-earnings ratio of 29.6.
I view this as a compelling entry point for prospective investors, especially given the likelihood that SoFi's earnings base will be meaningfully higher in the future. While analyst price targets get a lot of attention, investors shouldn't give them much weight.
SoFi spustila SoFi Small Business Loans pro malé firmy a podnikatele s rychlým schválením, financováním do 24 hodin a transparentní cenou. Úvěry jsou až do 250 000 USD.
SoFi Small Business Loans offer quick decisions, fast funding and clear upfront pricing to help entrepreneurs and small businesses fund their growth.
SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), the everything app for digital financial services, today announced the launch of SoFi Small Business Loans, to help entrepreneurs and small business owners access fast, transparent financing to run and grow their businesses.
Today’s small business owners are ambitious but increasingly constrained by cash flow. Access to capital can be time-consuming and expensive, leaving some owners reliant on credit cards, waiting on slow bank decisions, or wary of alternative lenders with unclear fees or high rates.
In a recent survey of small business owners, 75% who applied for a business loan or line of credit in the last year said it was difficult to access affordable capital and the Federal Reserve found that more than half of borrowers chose online lenders for speed of decision or funding.
“For many of our members, their financial lives do not stop at personal goals, they also include the businesses they are building,” said Anthony Noto, CEO of SoFi. “With SoFi Small Business Loans, we are expanding our ability to serve members in more of the moments that matter, giving them access to business financing through the same digital-first platform they already use to manage their personal finances.”
SoFi has seen strong demand for financing across several small business categories including construction, healthcare, professional services, and more. SoFi Small Business Loans provides eligible business owners with:
Capital to Help Small Business Move Forward: Fixed business loans of up to $250,000 to help members purchase equipment, stock inventory or hire new staff. Quick Eligibility Check and Funding After Approval: Members can check eligibility in minutes and, if approved, access funding as soon as 24 hours after approval1, helping them stock up before a busy season or cover materials for a new job. Simple, Upfront Pricing: Members can view their offer before accepting, with no application fee, no origination fee, and no prepayment penalties. Predictable Payments for Easier Planning: Fixed business loans with predictable payments help members plan ahead, from managing payroll to investing in their business's growth. With SoFi Small Business Loans, SoFi is expanding its support for entrepreneurs and business owners and planning additional products and innovations to help meet their evolving needs.
To learn more about SoFi Small Business Loans and apply, visit, SoFi Small Business Loans
About SoFi
SoFi Technologies (NASDAQ: SOFI) is the everything app for digital financial services on a mission to help people achieve financial independence to realize their ambitions. 14.7 million members trust SoFi to borrow, save, spend, invest, and protect their money and buy, sell and hold their crypto – all in one app – and get access to financial planners, exclusive experiences, and a thriving community. Fintechs, financial institutions, and brands use SoFi’s technology platform Galileo to build and manage innovative financial solutions across 133 million global accounts. For more information, visit www.sofi.com or download our iOS and Android apps.
SoFi Small Business Loans are originated by SoFi Bank, N.A.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To be approved, a borrower’s home address and primary business operating address must be in the U.S. or U.S. territories, and you must meet SoFi's underwriting requirements in SoFi’s sole and absolute discretion. Not all borrowers receive the lowest rate. Lowest rates are reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your business and personal creditworthiness, business revenue, and other factors. Rates and terms are subject to change at any time without notice. SoFi Small Business Loans may not be used for personal, family or household purposes. See SoFi.com/legal and SoFi.com/eligibility for more details.
Loan amounts range from $2,500-$250,000. The annual percentage rate (APR) is the cost of credit as a yearly rate and reflects your interest rate.
1As soon as 24 hour Loan Funding: Most borrowers receive funds within 24 hours if the loan is approved and the agreement is signed by 2:45 PM ET. The 24-hour funding timeframe excludes funding on weekends and federal holidays. This timing is not guaranteed, and delays may occur outside of SoFi’s control, such as if inaccurate information is submitted, or the receiving provider declines the transfer. Your bank may have rules on when the funds become available.
Borrowers who do not qualify for a SoFi Small Business Loan will have the opportunity to explore financing options from a provider in SoFi's Loan marketplace. The timing of funding varies by provider.
Availability of Other Information About SoFi
Investors and others should note that we communicate with our investors and the public using our website (https://www.sofi.com), the investor relations website (https://investors.sofi.com), and on social media (X and LinkedIn), including but not limited to investor presentations and investor fact sheets, Securities and Exchange Commission filings, press releases, public conference calls and webcasts. The information that SoFi posts on these channels and websites could be deemed to be material information. As a result, SoFi encourages investors, the media, and others interested in SoFi to review the information that is posted on these channels, including the investor relations website, on a regular basis. This list of channels may be updated from time to time on SoFi’s investor relations website and may include additional social media channels. The contents of SoFi’s website or these channels, or any other website that may be accessed from its website or these channels, shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.
SoFi Technologies' (SOFI +3.58%) stock is on a bit of a losing streak at the moment. Its share price has tanked 31.7% in 2026 (as of June 26).
However, the fintech stock's recent performance shouldn't distract from what's actually happening with the business. Product development remains management's top priority. This is a strategy that investors should appreciate, as it indicates a focus on improving the customer experience.
Here's how SoFi's latest innovation could transform its growth trajectory.
Image source: Getty Images.
AI becomes a personal financial planner On June 2, the business launched SoFi Coach, an "artificial intelligence (AI)-powered chat that delivers personalized financial insights," according to the press release. Users can link all of their financial accounts to SoFi. Then they can ask SoFi Coach questions about their spending behavior, savings goals, investment allocations, and debt repayment.
"How much did I spend on restaurants last month? "At my current savings rate, will I be able to afford a $500,000 home in five years? These are two examples of what members can ask SoFi Coach.
For SoFi customers, this is like having instant access to a dedicated team of financial experts in your pocket. And since it's all done via the app, users might be more comfortable communicating their concerns about their financial situation through the app than discussing them with a real person.
Early testing reveals notable adoption. Almost 70% of test members took necessary actions to improve their finances.
SoFi Coach is a clear demonstration of CEO Anthony Noto's overarching belief. On SoFi's fourth-quarter 2025 earnings call, he called AI a super-cycle, viewing it as an area with "huge opportunities for growth."
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Growth hasn't been an issue Investors who pay attention to the underlying business, as opposed to the stock price, will be encouraged by what they see. SoFi continues to grow rapidly. As of March 31, it had 14.7 million customers, up 35% year over year. This helped drive adjusted net revenue higher by 41%. Executives believe the top line will rise by 30% in 2026.
The company has found a strong footing in the financial services industry. Its tech-forward platform caters to younger, affluent consumers, providing SoFi with greater lifetime value as these customers' financial lives evolve.
While still in its very early stages, SoFi Coach could provide a boost to the company's growth trajectory in an obvious way. The business wants the AI assistant to be able to take action at customers' request, including opening new accounts. This can promote cross-selling opportunities, as members use more of SoFi's products over time, increasing the digital bank's stickiness.
Investors should monitor any updates on SoFi Coach's adoption going forward.
SoFi je letos více než 30 % v minusu a investoři budou sledovat, zda v příští výsledkové zprávě potvrdí upravený výhled tržeb 4,6 miliardy USD a upravený čistý zisk 825 milionů USD. Důležité budou i růst počtu členů a obrat v divizi SoFi Technology Solutions, jejíž tržby v 1. čtvrtletí klesly o 27 %.
The SoFi Technologies (SOFI +3.35%) stock price has been climbing over the past month, which is welcome news for shareholders. That's because, as of June 24, shares are down more than 30% on the year.
SoFi will likely report its 2026 second-quarter earnings results in late July or early August, which could help decide the next direction for the stock price. In the report, there will be a few updates that investors will want to follow.
Image source: Getty Images.
Will forward guidance be maintained? In its 2026 first-quarter earnings report, SoFi maintained its adjusted full-year revenue and adjusted full-year net income guidance of $4.6 billion and $825 million, respectively. Even without boosted guidance, that would still be a 30% increase in net revenue and a 72% increase in net income from its 2025 totals. That said, expectations are still high.
If forward guidance is strengthened, it could fuel a stock price rally. If guidance is maintained and the rest of the results underwhelm, the stock price would likely dip lower.
Member growth and cross-selling For Q1 2026, SoFi added 1.1 million new members, setting a record. That also marked the third straight quarter of 35% growth in its member totals, which reached 14.7 million.
As SoFi adds new members, it's also focusing on cross-selling products. In what SoFi calls its financial services productivity loop, it includes everything from home loans to student loans to an investing platform to credit cards. SoFi is seeing more existing customers signing up for more products in that productivity loop.
That should help it rely less on new members for long-term revenue growth, and it is a sign that the company has an opportunity to generate more revenue from current members. This next earnings report will offer a look into whether that momentum is continuing or has stalled.
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Updates on a slumping division In the first quarter, SoFi reported disappointing results for its Technology Platform, which basically powers the infrastructure for banks and other financial entities to build and run apps. That division's revenue fell 27%, with SoFi mentioning the loss of a major client.
SoFi is rebranding that platform to SoFi Technology Solutions for enterprise clients, offering them products and services across processing, banking, core ledgers and services, payment hubs, and risk and fraud. The second quarter will offer insight into whether that part of SoFi's business is returning to growth or is still experiencing declining revenue.
Investment considerations After climbing 70% in 2025, SoFi stock has struggled to find its footing in 2026. Its upcoming Q2 2026 earnings report can help establish the direction that shares move next, but long-term investors can view it more as a progress report.
The fintech operator will need to show that the loss of that client, mentioned in Q1 2026, was a one-time issue and that revenue is growing again in its SoFi Technology Solutions division. It will also need to show it's continuing to add new members at a steady pace, and that it's connecting current members with more of its products and is effectively creating cross-selling opportunities.
CEO Anthony Noto letos opakovaně nakupuje akcie SoFi, naposledy 13 888 kusů za zhruba 18 USD za akcii. Firma v 1. čtvrtletí zvýšila čisté tržby o 43 % na rekordních 1,1 miliardy USD.
Shares of digital banking specialist SoFi Technologies (SOFI +3.58%) have had a rough 2026. As of this writing, the stock is down about a third year to date, sliding from about $26 at the end of 2025 to around $18.
But while many investors have been selling, the company's CEO has been doing the opposite. Anthony Noto has repeatedly stepped into the market to buy SoFi shares this year, most recently in mid-June.
When a chief executive buys his own stock with his own money -- especially after a steep drop -- it tends to get investors' attention.
Does Noto's conviction make SoFi a contrarian opportunity? Or is the sell-off a fair reflection of the company's risks?
Image source: Getty Images.
The CEO keeps buying On June 16, Noto bought 13,888 shares of SoFi on the open market at an average price of about $18 apiece, lifting his direct stake to nearly 12 million shares. And that purchase wasn't a one-off. Noto has added to his position several times in 2026, including in March and May, buying more each time the stock fell.
Insider buying like this is worth watching because executives understand their business far better than outside investors do. And open-market purchases carry particular weight. Unlike shares granted as compensation, these are bought with the executive's own cash -- a direct bet that the stock is worth more than the market currently thinks.
That said, Noto's recent buys, while notable, are small relative to his overall stake.
The more useful question is whether SoFi's underlying business backs up his confidence.
The business behind the buying On that front, Noto has plenty to point to. SoFi's first-quarter net revenue rose 43% year over year to a record $1.1 billion, as the company added a record 1.1 million members and pushed its total membership up 35% from a year earlier to 14.7 million.
Profits are scaling even faster than sales. SoFi's first-quarter net income more than doubled from the year-ago period to $167 million, and earnings per share doubled to $0.12. It was the company's 10th consecutive profitable quarter -- a notable milestone for a business that was losing money just a few years ago. Loan originations, meanwhile, reached a record $12.2 billion.
The company is also still finding new ways to grow. In late June, SoFi launched Composer by SoFi, an artificial intelligence (AI)-powered investing platform that lets users build, test, and automate investing strategies using everyday language.
"Composer has built one of the most innovative AI-powered investing platforms available to retail investors today," said Noto in the company's press release about the launch.
The platform emerged from SoFi's acquisition of Composer earlier this year, and the company plans to weave it into its SoFi Plus membership over time.
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So, why is the stock down so much?
The most likely answer is valuation. Even after the sell-off, SoFi trades at about 40 times earnings -- not cheap. But the multiple looks more reasonable measured against the company's growth. On the roughly $0.60 in adjusted earnings per share management expects SoFi to earn this year, its forward price-to-earnings ratio is about 29. For a business growing revenue north of 40% and rapidly expanding profits, that's hardly egregious.
The bigger concern is what SoFi is at its core: a fast-growing lender. Lending is cyclical and carries real credit risk. A weaker economy could push loan losses higher and pressure profits quickly -- and that risk, more than the valuation, is likely what has investors cautious.
Overall, SoFi's business continues to demonstrate impressive momentum. But I'd still be cautious. Shares aren't as expensive as they used to be. But they're not cheap either.
SoFi spustila AI investiční platformu Composer by SoFi po akvizici Composer Securities. Umožňuje investorům tvořit, testovat a automatizovat strategie v přirozeném jazyce.
Digital financial services app SoFi has introduced an AI-powered investing platform.
Composer by SoFi, announced Tuesday (June 23), is designed to allow investors to employ artificial intelligence to develop, test and automate investment strategies using natural language.
It follows the company’s acquisition of Composer Securities, SoFi said in a news release provided to PYMNTS.
“Composer has built one of the most innovative AI-powered investing platforms available to retail investors today,” said Anthony Noto, SoFi’s chief executive.
“Our acquisition of Composer reflects SoFi’s strategy of identifying innovative technologies and exceptional teams that can strengthen our ecosystem over time. As AI becomes a foundational part of investing, Composer by SoFi strengthens our ability to deliver powerful investing tools through an experience that is simple, intuitive, and accessible.”
According to the release, Composer lets investors design their own strategies, while also exploring “community-built” strategies.
“An investor who feels they missed an AI sector rally can search over 2,000 community-built strategies, find one focused on AI and semiconductor leaders, review how it would have performed historically, and deploy it within seconds,” the release said.
Investors who aren’t sure which way the market will go can meld strategies designed for a variety of market environments and automate them together, SoFi added.
While other agentic tools use AI to continuously make trading decisions, SoFi says Composer employs the technology to help investors build “sophisticated rules-based strategies” that are executed automatically and follow clear, predefined rules which can be refined with specific weights, conditions and filters.
“This means investors maintain visibility into how their strategies work and can evaluate historical performance across different market environments before deciding whether to activate a strategy,” the company added.
As PYMNTS wrote last month, Noto has framed SoFi’s strategy around helping members manage their money holistically instead of introducing isolated products.
“Our critical success factor is helping people spend less than they make and invest the rest,” Noto said during an earnings call.
He added that consumers increasingly require financial guidance “for all the days in between,” and not simply for major financial decisions.
SoFi also recently acquired Peach Finance, a lending infrastructure startup that specializes in loan servicing software.
“This acquisition represents a significant expansion of SoFi’s business model, which has evolved beyond providing consumer financial products to offering a robust infrastructure layer for third-party banks and FinTechs,” PYMNTS wrote last month. “By incorporating Peach’s specialized software, SoFi adds a critical component to its enterprise ecosystem.”
