SoFi's accelerating balance sheet expansion, with total assets up 48% year-over-year to $60.9B in Q2 2026, is driven by deposit-led funding and record member growth, yet the thin equity-to-assets ratio of 0.18 and a negative operating cash flow of -$3.9B in the same quarter signal potential liquidity and capital…
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth accelerated with NII up 52.2% YoY to $788.2M and fee income reaching 27.4% of total revenue, while the efficiency ratio improved to 63.7% from 66.4% a year earlier.
SoFi is positioning itself as a financial super app, consolidating various consumer banking needs—lending, everyday banking, investing, and a technology platform—into a single ecosystem. This approach aims to address the fragmented consumer banking landscape and enhance customer engagement.
In Q1 2026, SoFi reported record net revenue of $1.1 billion, reflecting a 41% year-over-year increase, along with a net income of $167 million. This strong financial performance underscores the company's growth trajectory and operational efficiency.
SoFi added over a million new members in Q4 2025, achieving record quarterly growth and bringing total membership to over 14 million. A significant portion of new products is being adopted by existing members, indicating strong customer loyalty and engagement.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 27, 2026 | $0.18+10.9% vs $0.16 | $1.4B+9.3% vs $1.3B |
Q3 2026 Jul 29, 2026 | $0.12+11.4% vs $0.11 | $1.2B+8.1% vs $1.1B |
Q2 2026 Apr 29, 2026 | $0.12+0.8% vs $0.12 | $1.1B+3.8% vs $1.0B |
Q1 2026 Jan 30, 2026 | $0.13+12.7% vs $0.12 | $1.0B+3.6% vs $977M |
SoFi's adjusted net revenue grew 44% last quarter, and management raised its full-year guidance. The stock has given back its entire post-earnings gain in the recent market sell-off and sits about 50% below its high.
The average of price targets set by Wall Street analysts indicates a potential upside of 29.3% in SoFi Technologies (SOFI). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
Retail-facing fintech stocks are taking some of the market's worst losses as a crypto slide and a political shift in Washington both weigh on the group. Shares of Robinhood Markets (NASDAQ:HOOD | HOOD Price Prediction) are at $76.
SoFi Technologies (SOFI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
Benchmark SOFI against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for SoFi Technologies, Inc. (SOFI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.21 | $20.79B | 29.83 | 38.32% | 15.6% | 6.76% | — | |
| $15.96 | $1.84B | 8.91 | 14.97% | 15.88% | 13.62% | — | |
| $21.89 | $2.1B | 42.17 | 62.84% | 4.93% | 8.1% | — | |
| $68.11 | $22.69B | 11.90 | 22.48% | 44.6% | 43.38% | — | |
| $278.59 | $3.75B | 19.96 | 59.67% | 28.14% | 74.88% | — | |
| $6.17 | $527.98M | 5.58 | 13.52% | 15.62% | 25.06% | 39.69% |
SoFi Technologies, Inc. (SOFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
SoFi Technologies, Inc. (SOFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 29, 2026·SEC
Jun 18, 2026·SEC
Apr 29, 2026·SEC
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SoFi Technologies, Inc. (SOFI) stock FAQ — growth, dividends, profitability & financials explained
SoFi Technologies, Inc. (SOFI) grew revenue by 42.3% over the trailing twelve months, compared with the twelve months before.
Yes. SoFi Technologies, Inc. (SOFI) earned $737.9M in net income over the trailing twelve months (a 15.6% net margin).
SoFi Technologies, Inc. (SOFI) had a return on equity (ROE) of 6.8% over the trailing twelve months. That is below the market's typical 10-15%.
SoFi Technologies, Inc. (SOFI) has a net interest margin (NIM) of 4.4%. This indicates healthy earnings from lending activities.
SoFi Technologies, Inc. (SOFI) has an efficiency ratio of 84.6%. This is higher than peers, suggesting room for cost optimization.
