Q3 EPS Forecast for SoFi Technologies Reduced by Analyst

Key Points

• William Blair analysts have lowered SoFi Technologies' Q3 2025 earnings per share forecast from $0.09 to $0.08, while maintaining a forecast of $0.26 for the current full-year earnings.
• SoFi reported a net margin of 18.38% and revenue of $519.37 million for its previous quarter, which was significantly below analysts' expectations of $801.94 million.
• The stock has a consensus rating of "Hold" from analysts, with a consensus target price of $18.29, reflecting caution among institutional investors and analysts.

SoFi Technologies, Inc. (NASDAQ:SOFI - Free Report) - Equities researchers at William Blair dropped their Q3 2025 earnings estimates for SoFi Technologies in a note issued to investors on Monday, August 4th. William Blair analyst A. Jeffrey now anticipates that the company will post earnings of $0.08 per share for the quarter, down from their previous forecast of $0.09. The consensus estimate for SoFi Technologies' current full-year earnings is $0.26 per share. William Blair also issued estimates for SoFi Technologies' Q4 2025 earnings at $0.08 EPS, FY2025 earnings at $0.31 EPS, Q2 2026 earnings at $0.12 EPS, Q3 2026 earnings at $0.14 EPS and FY2026 earnings at $0.50 EPS.

Several other brokerages have also commented on SOFI. Cowen started coverage on SoFi Technologies in a research report on Friday, July 11th. They set a "hold" rating on the stock. JMP Securities restated a "market perform" rating and issued a $17.00 price objective on shares of SoFi Technologies in a report on Monday, July 14th. UBS Group raised their price objective on SoFi Technologies from $14.00 to $15.50 and gave the company a "neutral" rating in a research note on Wednesday, April 30th. Keefe, Bruyette & Woods upped their price target on shares of SoFi Technologies from $13.00 to $14.00 and gave the company an "underperform" rating in a report on Tuesday, August 5th. Finally, The Goldman Sachs Group initiated coverage on SoFi Technologies in a report on Monday, July 14th. They issued a "neutral" rating and a $19.00 price objective for the company. Three analysts have rated the stock with a sell rating, eleven have given a hold rating, six have given a buy rating and one has given a strong buy rating to the company. Based on data from MarketBeat.com, SoFi Technologies currently has an average rating of "Hold" and a consensus price target of $18.29.

SoFi Technologies Price Performance

Shares of NASDAQ SOFI traded up $0.02 during mid-day trading on Thursday, reaching $22.10. 49,006,309 shares of the company were exchanged, compared to its average volume of 76,268,488. The company has a quick ratio of 0.14, a current ratio of 0.80 and a debt-to-equity ratio of 0.46. The company's 50 day moving average price is $18.45 and its 200 day moving average price is $15.03. SoFi Technologies has a 52 week low of $6.47 and a 52 week high of $25.11. The stock has a market capitalization of $24.43 billion, a PE ratio of 46.04, a PEG ratio of 2.74 and a beta of 1.93.

SoFi Technologies (NASDAQ:SOFI - Get Free Report) last announced its quarterly earnings results on Tuesday, July 29th. The company reported $0.08 EPS for the quarter, beating the consensus estimate of $0.06 by $0.02. SoFi Technologies had a net margin of 18.38% and a return on equity of 4.51%. The firm had revenue of $519.37 million during the quarter, compared to the consensus estimate of $801.94 million. During the same period last year, the firm earned $0.01 EPS. The business's quarterly revenue was up 42.8% compared to the same quarter last year.

Institutional Investors Weigh In On SoFi Technologies

A number of institutional investors and hedge funds have recently modified their holdings of the business. Mpwm Advisory Solutions LLC bought a new position in shares of SoFi Technologies during the 4th quarter worth $32,000. Hazlett Burt & Watson Inc. lifted its stake in SoFi Technologies by 2,200.0% in the first quarter. Hazlett Burt & Watson Inc. now owns 2,300 shares of the company's stock worth $27,000 after acquiring an additional 2,200 shares during the period. Headlands Technologies LLC bought a new position in SoFi Technologies during the 1st quarter worth about $28,000. SVB Wealth LLC bought a new position in SoFi Technologies during the 1st quarter worth about $28,000. Finally, TD Private Client Wealth LLC increased its position in SoFi Technologies by 153.9% during the 2nd quarter. TD Private Client Wealth LLC now owns 2,562 shares of the company's stock valued at $47,000 after purchasing an additional 1,553 shares during the period. 38.43% of the stock is owned by institutional investors.

Insider Buying and Selling at SoFi Technologies

In other SoFi Technologies news, Director Magdalena Yesil sold 87,140 shares of the stock in a transaction on Tuesday, June 10th. The shares were sold at an average price of $14.39, for a total transaction of $1,253,944.60. Following the completion of the transaction, the director owned 289,258 shares in the company, valued at $4,162,422.62. This trade represents a 23.15% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, CTO Jeremy Rishel sold 66,847 shares of SoFi Technologies stock in a transaction on Friday, June 20th. The stock was sold at an average price of $15.55, for a total transaction of $1,039,470.85. Following the completion of the transaction, the chief technology officer directly owned 724,321 shares of the company's stock, valued at $11,263,191.55. The trade was a 8.45% decrease in their ownership of the stock. The disclosure for this sale can be found here. In the last ninety days, insiders have sold 273,181 shares of company stock worth $4,043,240. Insiders own 2.60% of the company's stock.

SoFi Technologies Company Profile

SoFi Technologies, Inc provides various financial services in the United States, Latin America, and Canada. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money.