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 reduced their Q3 2025 earnings estimates for SoFi Technologies in a research report issued on Monday, August 4th. William Blair analyst A. Jeffrey now expects that the company will post earnings per share of $0.08 for the quarter, down from their prior estimate 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.

SoFi Technologies (NASDAQ:SOFI - Get Free Report) last posted its quarterly earnings results on Tuesday, July 29th. The company reported $0.08 EPS for the quarter, beating analysts' consensus estimates 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 for the quarter, compared to analysts' expectations of $801.94 million. During the same quarter in the prior year, the company posted $0.01 earnings per share. The business's revenue for the quarter was up 42.8% on a year-over-year basis.

Several other research analysts have also recently weighed in on the stock. JMP Securities reiterated a "market perform" rating and set a $17.00 price target on shares of SoFi Technologies in a research note on Monday, July 14th. Truist Financial set a $23.00 price target on shares of SoFi Technologies in a research note on Monday. The Goldman Sachs Group began coverage on shares of SoFi Technologies in a research note on Monday, July 14th. They set a "neutral" rating and a $19.00 target price on the stock. Redburn Atlantic upgraded shares of SoFi Technologies to a "hold" rating in a research note on Friday, August 1st. Finally, Cowen began coverage on shares of SoFi Technologies in a research note on Friday, July 11th. They set a "hold" rating on the stock. Three investment analysts have rated the stock with a sell rating, eleven have given a hold rating, six have issued a buy rating and one has given a strong buy rating to the company. According to MarketBeat.com, the stock has a consensus rating of "Hold" and a consensus target price of $18.29.

SoFi Technologies Trading Down 0.4%

NASDAQ:SOFI opened at $21.46 on Thursday. The company's 50 day moving average price is $18.09 and its 200-day moving average price is $14.99. SoFi Technologies has a 52 week low of $6.31 and a 52 week high of $25.11. 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 stock has a market cap of $23.72 billion, a price-to-earnings ratio of 44.71, a PEG ratio of 2.66 and a beta of 1.93.

Hedge Funds Weigh In On SoFi Technologies

Several hedge funds have recently added to or reduced their stakes in the company. Vanguard Group Inc. grew its holdings in SoFi Technologies by 1.1% during the 1st quarter. Vanguard Group Inc. now owns 99,467,295 shares of the company's stock valued at $1,156,805,000 after purchasing an additional 1,130,250 shares during the last quarter. Two Sigma Advisers LP bought a new position in SoFi Technologies during the 4th quarter valued at about $299,980,000. Charles Schwab Investment Management Inc. grew its holdings in SoFi Technologies by 2.5% during the 1st quarter. Charles Schwab Investment Management Inc. now owns 6,472,726 shares of the company's stock valued at $75,278,000 after purchasing an additional 159,109 shares during the last quarter. Northern Trust Corp grew its holdings in SoFi Technologies by 22.7% during the 4th quarter. Northern Trust Corp now owns 6,052,301 shares of the company's stock valued at $93,205,000 after purchasing an additional 1,121,550 shares during the last quarter. Finally, Mitsubishi UFJ Asset Management Co. Ltd. grew its holdings in SoFi Technologies by 12.5% during the 2nd quarter. Mitsubishi UFJ Asset Management Co. Ltd. now owns 4,879,959 shares of the company's stock valued at $88,864,000 after purchasing an additional 540,610 shares during the last quarter. 38.43% of the stock is currently owned by institutional investors.

Insider Transactions at SoFi Technologies

In related news, EVP Kelli Keough sold 10,267 shares of the company's stock in a transaction dated Friday, July 18th. The shares were sold at an average price of $21.80, for a total transaction of $223,820.60. Following the transaction, the executive vice president directly owned 245,200 shares in the company, valued at approximately $5,345,360. This represents a 4.02% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, Director Magdalena Yesil sold 87,140 shares of the company's stock in a transaction dated 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 transaction, the director owned 289,258 shares in the company, valued at $4,162,422.62. The trade was a 23.15% decrease in their ownership of the stock. The disclosure for this sale can be found here. Insiders have sold a total of 273,181 shares of company stock worth $4,043,240 in the last three months. 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.

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