Q4 EPS Estimate for SoFi Technologies Increased by Analyst

Key Points

• Analyst A. Jeffrey of William Blair has raised SoFi Technologies' Q4 2025 EPS estimate from $0.08 to $0.09, with preliminary projections for Q1 2026 at $0.10 and Q3 2026 at $0.15.
• Morgan Stanley continues to maintain an "underweight" rating on SoFi with a target price of $13, whereas Truist Financial has increased its target from $14 to $20 while holding its rating at "hold."
• Insider selling activity has been noted, with directors selling a total of 273,181 shares in the last quarter, reducing insider ownership to approximately 2.60% of the company's stock.

SoFi Technologies, Inc. (NASDAQ:SOFI - Free Report) - Stock analysts at William Blair raised their Q4 2025 earnings per share estimates for SoFi Technologies in a report issued on Tuesday, July 29th. William Blair analyst A. Jeffrey now expects that the company will post earnings of $0.09 per share for the quarter, up from their prior estimate of $0.08. The consensus estimate for SoFi Technologies' current full-year earnings is $0.26 per share. William Blair also issued estimates for SoFi Technologies' Q1 2026 earnings at $0.10 EPS and Q3 2026 earnings at $0.15 EPS.

SoFi Technologies (NASDAQ:SOFI - Get Free Report) last issued 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 return on equity of 4.51% and a net margin of 18.38%. The firm had revenue of $519.37 million during the quarter, compared to analysts' expectations of $801.94 million. During the same period in the prior year, the firm posted $0.01 earnings per share. The business's quarterly revenue was up 42.8% compared to the same quarter last year.

Several other research analysts have also recently commented on SOFI. Truist Financial increased their price target on SoFi Technologies from $14.00 to $20.00 and gave the company a "hold" rating in a research report on Thursday, July 17th. Citizens Jmp lowered SoFi Technologies from a "strong-buy" rating to a "market perform" rating in a research note on Monday, July 14th. Cowen started coverage on SoFi Technologies in a research note on Friday, July 11th. They issued a "hold" rating on the stock. Rothschild & Co Redburn started coverage on SoFi Technologies in a research note on Friday. They issued a "neutral" rating and a $20.50 price objective on the stock. Finally, Mizuho set a $26.00 price objective on SoFi Technologies and gave the company an "outperform" rating in a research note on Thursday. Three investment analysts have rated the stock with a sell rating, ten have given a hold rating, six have issued a buy rating and one has issued a strong buy rating to the company's stock. According to data from MarketBeat, the stock currently has an average rating of "Hold" and a consensus target price of $18.06.

SoFi Technologies Stock Down 6.0%

NASDAQ SOFI traded down $1.35 during trading hours on Friday, hitting $21.23. 89,110,938 shares of the company traded hands, compared to its average volume of 78,996,248. The business's 50-day moving average is $17.59 and its 200-day moving average is $14.87. SoFi Technologies has a twelve month low of $6.01 and a twelve month high of $25.11. The company has a debt-to-equity ratio of 0.46, a quick ratio of 0.14 and a current ratio of 0.80. The stock has a market capitalization of $23.47 billion, a price-to-earnings ratio of 44.23, a P/E/G ratio of 2.68 and a beta of 1.92.

Institutional Investors Weigh In On SoFi Technologies

A number of large investors have recently modified their holdings of SOFI. Hazlett Burt & Watson Inc. boosted its holdings in shares of SoFi Technologies by 2,200.0% during the 1st quarter. Hazlett Burt & Watson Inc. now owns 2,300 shares of the company's stock valued at $27,000 after acquiring an additional 2,200 shares in the last quarter. Headlands Technologies LLC acquired a new stake in shares of SoFi Technologies during the 1st quarter valued at $28,000. SVB Wealth LLC acquired a new stake in shares of SoFi Technologies during the 1st quarter valued at $28,000. Garde Capital Inc. acquired a new stake in shares of SoFi Technologies during the 1st quarter valued at $31,000. Finally, Mpwm Advisory Solutions LLC acquired a new stake in shares of SoFi Technologies during the 4th quarter valued at $32,000. Institutional investors and hedge funds own 38.43% of the company's stock.

Insiders Place Their Bets

In other SoFi Technologies news, Director Magdalena Yesil sold 87,140 shares of the firm's stock in a transaction on Tuesday, June 10th. The stock was 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. This trade represents a 23.15% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, EVP Kelli Keough sold 11,520 shares of the firm's stock in a transaction on Tuesday, May 20th. The stock was sold at an average price of $13.38, for a total value of $154,137.60. Following the transaction, the executive vice president owned 203,509 shares in the company, valued at approximately $2,722,950.42. This trade represents a 5.36% decrease in their position. 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 90 days. Company 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.