SoFi Techs (NASDAQ:SOFI) is gearing up to announce its quarterly earnings on Friday, 2026-01-30. Here's a quick overview of what investors should know before the release.
Analysts are estimating that SoFi Techs will report an earnings per share (EPS) of $0.12.
The announcement from SoFi Techs is eagerly anticipated, with investors seeking news of surpassing estimates and favorable guidance for the next quarter.
It's worth noting for new investors that guidance can be a key determinant of stock price movements.
Earnings History Snapshot
The company's EPS beat by $0.03 in the last quarter, leading to a 2.4% drop in the share price on the following day.
Here's a look at SoFi Techs's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 0.08 | 0.06 | 0.04 | 0.04 |
| EPS Actual | 0.11 | 0.08 | 0.06 | 0.05 |
| Price Change % | -2.00 | -2.00 | -6.00 | 1.00 |
Market Performance of SoFi Techs's Stock
Shares of SoFi Techs were trading at $24.6 as of January 28. Over the last 52-week period, shares are up 57.86%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release.
Analyst Opinions on SoFi Techs
For investors, staying informed about market sentiments and expectations in the industry is paramount. This analysis provides an exploration of the latest insights on SoFi Techs.
A total of 4 analyst ratings have been received for SoFi Techs, with the consensus rating being Neutral. The average one-year price target stands at $27.75, suggesting a potential 12.8% upside.
Peer Ratings Comparison
The following analysis focuses on the analyst ratings and average 1-year price targets of FirstCash Hldgs, Credit Acceptance and Enova International, three prominent industry players, providing insights into their relative performance expectations and market positioning.
- Analysts currently favor an Buy trajectory for FirstCash Hldgs, with an average 1-year price target of $199.33, suggesting a potential 710.28% upside.
- Analysts currently favor an Sell trajectory for Credit Acceptance, with an average 1-year price target of $430.0, suggesting a potential 1647.97% upside.
- Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $188.0, suggesting a potential 664.23% upside.
Peer Metrics Summary
The peer analysis summary provides a snapshot of key metrics for FirstCash Hldgs, Credit Acceptance and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| Figure Technology | Outperform | 86.84% | $126.18M | 5.60% |
| FirstCash Hldgs | Buy | 11.73% | $473.71M | 3.82% |
| Credit Acceptance | Sell | 6.03% | $356M | 6.91% |
| Enova International | Buy | 4.57% | $373.75M | 6.03% |
Key Takeaway:
SoFi Techs ranks at the top for Revenue Growth among its peers, with the highest percentage. It is in the middle for Gross Profit, with figures higher than some peers but lower than others. For Return on Equity, SoFi Techs is also in the middle, with a moderate percentage compared to its peers.
About SoFi Techs
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Breaking Down SoFi Techs's Financial Performance
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Revenue Growth: Over the 3 months period, SoFi Techs showcased positive performance, achieving a revenue growth rate of 38.6% as of 30 September, 2025. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: SoFi Techs's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 14.5%, the company may face hurdles in effective cost management.
Return on Equity (ROE): SoFi Techs's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 1.78%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.32%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: SoFi Techs's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 0.32.
To track all earnings releases for SoFi Techs visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.
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