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Sofi Technologies Inc (SOFI)

Sofi Technologies Inc (SOFI)
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Market News and Commentary

SoFi Stock Is Underperforming in 2026: Can Q4 Earnings Turn the Tide?

SoFi stock (SOFI), which rose 70% last year and has outperformed markets for the last three consecutive years, is slightly underperforming the S&P 500 Index ($SPX) this year. The stock has lost 1.4% over the previous three months and trades nearly 20% below its all-time high, which it reached in mid-November.

The fintech giant is set to release its Q4 2025 earnings on Jan. 30. Let's explore whether the confessional would help turn the tide for SoFi, which is among the rare success stories in the former special purpose acquisition company (SPAC) space.

Fundamentals

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  • Market Capitalization, $K 31,510,242
  • Shares Outstanding, K 1,205,903
  • Annual Sales, $ 3,766 M
  • Annual Income, $ 498,670 K
  • EBIT $ 558 M
  • EBITDA $ 762 M
  • 60-Month Beta 1.92
  • Price/Sales 9.50
  • Price/Cash Flow 66.45
  • Price/Book 3.58

Options Overview Details

View History
  • Implied Volatility 65.60% (+1.78%)
  • Historical Volatility 50.70%
  • IV Percentile 64%
  • IV Rank 27.74%
  • IV High 115.21% on 04/08/25
  • IV Low 46.56% on 12/23/25
  • Expected Move (DTE 3) 0.93 (3.63%)
  • Put/Call Vol Ratio 0.58
  • Today's Volume 333,155
  • Volume Avg (30-Day) 346,229
  • Put/Call OI Ratio 0.70
  • Today's Open Interest 3,257,868
  • Open Int (30-Day) 4,133,885
  • Expected Range 24.56 to 26.42

Analyst Rating / Earnings Estimates

Current Rating
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Hold
Based on 24 analysts offering recommendations.
Earnings Estimates - Current Qtr 12/31/25
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  • Average Estimate 0.12
  • Number of Estimates 7
  • High Estimate 0.14
  • Low Estimate 0.11
  • Prior Year 0.05
  • Growth Rate Est. (year over year) +140.00%

Price Performance

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Period Period Low Period High Performance
1-Month
25.21 +1.11%
on 01/20/26
29.86 -14.63%
on 01/05/26
-1.75 (-6.42%)
since 12/19/25
3-Month
23.52 +8.38%
on 11/21/25
32.73 -22.12%
on 11/12/25
-3.19 (-11.12%)
since 10/20/25
52-Week
8.60 +196.40%
on 04/07/25
32.73 -22.12%
on 11/12/25
+8.99 (+54.48%)
since 01/17/25

Most Recent Stories

More News
GoTu and SoFi at Work Join Forces to Advance Financial Well-Being in Dentistry

Partnership provides exclusive financial tools to help dental professionals manage debt and plan for the future

SOFI : 25.49 (-2.45%)
SoFi Stock Is Underperforming in 2026: Can Q4 Earnings Turn the Tide?

SoFi stock has underperformed the markets over the last three months. Can the Q4 earnings later this month turn the tide?

$SPX : 6,796.86 (-2.06%)
SOFI : 25.49 (-2.45%)
HOOD : 105.78 (-2.72%)
COIN : 227.73 (-5.57%)
1 Profitable Stock Worth Your Attention and 2 Facing Challenges

1 Profitable Stock Worth Your Attention and 2 Facing Challenges

PPC : 41.83 (+1.11%)
SOFI : 25.49 (-2.45%)
CMI : 565.80 (-2.27%)
SoFi CEO Anthony Noto Says His Company Is Poised to Win if Trump Caps Credit Card Rates: Why Personal Loans Could Come Out on Top

President Trump has renewed calls to temporarily cap credit card interest rates at 10%, prompting waves of criticism on Wall Street. But SoFi CEO Anthony Noto is firmly in the president’s corner for...

SOFI : 25.49 (-2.45%)
SoFi to Match $1,000 Federal Contribution to Investment Accounts for Employees’ Children

Supporting early investing as a foundation for long-term financial independence and wealth building

SOFI : 25.49 (-2.45%)
Plastic Surgery: Winners and Losers of the Proposed 10% Interest Cap

The administration's rate cap proposal is forcing a historic shift where capital flees traditional lenders to chase growth in the alternative finance sector.

SYF : 76.08 (-5.13%)
PRG : 32.05 (-1.35%)
MA : 531.74 (-1.44%)
BFH : 69.94 (-5.14%)
JPM : 302.74 (-3.11%)
V : 325.82 (-0.76%)
XYZ : 62.63 (-5.03%)
SOFI : 25.49 (-2.45%)
COF : 228.72 (-4.36%)
AFRM : 71.10 (-4.90%)
Trump’s Proposed 10% Rate Cap Sends Credit Card Stocks Reeling as Fintech Alternatives Eye Opportunity

Wall Street’s banking giants and credit card specialists faced a harsh wake-up call Monday as shares plummeted following President Donald Trump’s weekend proposal to slash credit card interest rates....

PYPL : 55.08 (-3.18%)
SYF : 76.08 (-5.13%)
AAPL : 246.70 (-3.46%)
C : 112.80 (-4.44%)
BAC : 52.10 (-1.64%)
BFH : 69.94 (-5.14%)
JPM : 302.74 (-3.11%)
GS : 943.37 (-1.94%)
BCS : 25.63 (-2.06%)
ATLC : 57.33 (-5.74%)
MA : 531.74 (-1.44%)
WFC : 86.66 (-1.95%)
Sixth Street Specialty Lending, SoFi, Corpay, EVERTEC, and Oaktree Specialty Lending Stocks Trade Up, What You Need To Know

Sixth Street Specialty Lending, SoFi, Corpay, EVERTEC, and Oaktree Specialty Lending Stocks Trade Up, What You Need To Know

EVTC : 29.05 (-1.79%)
SOFI : 25.49 (-2.45%)
OCSL : 12.67 (-1.55%)
CPAY : 305.25 (-4.81%)
TSLX : 22.08 (-0.99%)
SoFi Shares Surge 81%: Is the Stock Still Worth Buying?

SoFi is scaling efficiently, improving the quality and durability of its revenue, and strengthening its funding profile.

SOFI : 25.49 (-2.45%)
SoFi Stock Is Breaking Below Key Support Ahead of Q4 Earnings. Should You Buy the Dip or Stay Far Away?

SoFi stock has pulled back this week after the fintech firm raised $1.59 billion via public offering. Here’s why SOFI shares are worth buying on the recent weakness.

SOFI : 25.49 (-2.45%)

Barchart Technical Opinion

The Barchart Technical Opinion rating is a 8% Sell with a Weakening short term outlook on maintaining the current direction.

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Business Summary

SoFi Technologies Inc. provides consumer-focused financial technology platform. SoFi Technologies Inc., formerly known as Social Capital Hedosophia Holdings Corp. V, is based in PALO ALTO, Calif.

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Key Turning Points

3rd Resistance Point 27.37
2nd Resistance Point 27.08
1st Resistance Point 26.60
Last Price 25.49
1st Support Level 25.83
2nd Support Level 25.54
3rd Support Level 25.06

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52-Week High 32.73
Last Price 25.49
Fibonacci 61.8% 23.51
Fibonacci 50% 20.67
Fibonacci 38.2% 17.82
52-Week Low 8.60

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