William Blair Issues Pessimistic Forecast for SOFI Earnings

SoFi Technologies, Inc. (NASDAQ:SOFI - Free Report) - Stock analysts at William Blair cut their Q3 2025 earnings estimates for shares of SoFi Technologies in a research note issued to investors on Monday, January 27th. William Blair analyst A. Jeffrey now expects that the company will earn $0.08 per share for the quarter, down from their prior forecast of $0.09. William Blair currently has a "Outperform" rating on the stock. The consensus estimate for SoFi Technologies' current full-year earnings is $0.12 per share. William Blair also issued estimates for SoFi Technologies' Q4 2025 earnings at $0.08 EPS, FY2025 earnings at $0.28 EPS, Q1 2026 earnings at $0.09 EPS, Q2 2026 earnings at $0.12 EPS, Q3 2026 earnings at $0.15 EPS, Q4 2026 earnings at $0.15 EPS and FY2026 earnings at $0.51 EPS.

SoFi Technologies (NASDAQ:SOFI - Get Free Report) last released its earnings results on Monday, January 27th. The company reported $0.05 EPS for the quarter, beating the consensus estimate of $0.04 by $0.01. SoFi Technologies had a net margin of 8.38% and a return on equity of 3.71%. During the same quarter last year, the company posted $0.04 EPS.

A number of other equities analysts have also recently commented on the company. Jefferies Financial Group lifted their price target on SoFi Technologies from $12.00 to $13.00 and gave the stock a "buy" rating in a research note on Tuesday, October 29th. Keefe, Bruyette & Woods reaffirmed an "underperform" rating and issued a $8.00 target price (up from $7.00) on shares of SoFi Technologies in a research note on Thursday, January 2nd. UBS Group increased their price target on shares of SoFi Technologies from $10.50 to $14.00 and gave the company a "neutral" rating in a research report on Tuesday. Bank of America restated an "underperform" rating and issued a $12.00 price objective on shares of SoFi Technologies in a research report on Monday, December 9th. Finally, JPMorgan Chase & Co. increased their target price on shares of SoFi Technologies from $9.00 to $16.00 and gave the stock a "neutral" rating in a report on Monday, December 2nd. Four equities research analysts have rated the stock with a sell rating, six have given a hold rating and five have assigned a buy rating to the company's stock. According to MarketBeat.com, the stock presently has a consensus rating of "Hold" and an average price target of $12.50.

SoFi Technologies Trading Up 2.8 %

Shares of NASDAQ SOFI traded up $0.45 during midday trading on Wednesday, reaching $16.44. The company had a trading volume of 35,477,255 shares, compared to its average volume of 47,105,094. The stock has a market cap of $17.84 billion, a PE ratio of 164.42, a price-to-earnings-growth ratio of 1.19 and a beta of 1.78. SoFi Technologies has a one year low of $6.01 and a one year high of $18.42. The firm's fifty day moving average price is $15.81 and its 200-day moving average price is $11.25. The company has a quick ratio of 0.18, a current ratio of 0.49 and a debt-to-equity ratio of 0.52.

Institutional Inflows and Outflows

Large investors have recently added to or reduced their stakes in the stock. Sei Investments Co. raised its position in shares of SoFi Technologies by 8.8% in the 2nd quarter. Sei Investments Co. now owns 38,976 shares of the company's stock worth $258,000 after purchasing an additional 3,139 shares during the last quarter. Xponance Inc. increased its stake in SoFi Technologies by 53.0% during the 2nd quarter. Xponance Inc. now owns 52,795 shares of the company's stock valued at $349,000 after purchasing an additional 18,285 shares in the last quarter. AQR Capital Management LLC raised its holdings in SoFi Technologies by 58.8% in the second quarter. AQR Capital Management LLC now owns 115,186 shares of the company's stock worth $756,000 after buying an additional 42,660 shares during the last quarter. The Manufacturers Life Insurance Company grew its holdings in shares of SoFi Technologies by 12.9% during the second quarter. The Manufacturers Life Insurance Company now owns 263,826 shares of the company's stock valued at $1,744,000 after buying an additional 30,206 shares during the last quarter. Finally, Algert Global LLC boosted its stake in SoFi Technologies by 28.2% during the 2nd quarter. Algert Global LLC now owns 286,786 shares of the company's stock valued at $1,896,000 after purchasing an additional 63,076 shares during the last quarter. Hedge funds and other institutional investors own 38.43% of the company's stock.

Insider Activity

In related news, EVP Kelli Keough sold 8,914 shares of the business's stock in a transaction dated Tuesday, January 21st. The shares were sold at an average price of $17.58, for a total transaction of $156,708.12. Following the sale, the executive vice president now owns 178,811 shares of the company's stock, valued at $3,143,497.38. The trade was a 4.75 % decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is available at this link. Also, CTO Jeremy Rishel sold 64,991 shares of the firm's stock in a transaction that occurred on Thursday, December 19th. The shares were sold at an average price of $15.72, for a total transaction of $1,021,658.52. Following the transaction, the chief technology officer now directly owns 586,494 shares of the company's stock, valued at $9,219,685.68. This represents a 9.98 % decrease in their position. The disclosure for this sale can be found here. Insiders sold a total of 26,008,870 shares of company stock worth $416,950,073 in the last quarter. 2.60% of the stock is owned by company insiders.

About SoFi Technologies

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.