SOFI

It has been about a month since the last earnings report for SoFi Technologies, Inc. (SOFI). Shares have added about 5.4% in that time frame, outperforming the S&P 500. But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is SoFi Technologies due for a pullback? Well, first let's take a quick look at its most recent earnings report in order to get a better handle on the recent drivers for SoFi Technologies, Inc. before we dive into how investors and analysts have reacted as of late. SoFi delivered adjusted net revenues of $1.09 billion in the first quarter, representing 41% year-over-year growth. The figure also exceeded the Zacks Consensus Estimate of $1.04 billion by 4.7%, reflecting continued momentum across lending, financial services, and member engagement activities. The company’s ability to sustain growth above 40% at its current scale remains one of the most compelling aspects of the investment story. Importantly, management highlighted that SoFi achieved its 18th consecutive quarter, meeting the Rule of 40 benchmark, supported by 41% revenue growth and EBITDA margins of 31%. Adjusted EBITDA increased to $340 million during the quarter, while net income reached $167 million. Earnings per share came in at 12 cents, matching the Zacks Consensus Estimate and increased 100% year over year. Even though EPS did not produce a surprise, profitability metrics continued improving as the company scaled efficiently. Margins also remained healthy. Adjusted EBITDA margin stood near 31%, demonstrating SoFi’s ability to convert strong revenue growth into expanding earnings power. Meanwhile, net interest margin reached 5.94%, remaining well above the 5% threshold management expects to sustain for the foreseeable future. One of the strongest indicators of SoFi’s platform strength was its continued member acquisition momentum. The company added a record 1.1 million new members during the quarter, increasing total members 35% year over year to 14.7 million. Product adoption trends were equally impressive. SoFi added a record 1.8 million new products in the quarter, bringing total products to 22.2 million. Rising product penetration remains critical because it increases customer stickiness, expands cross-selling opportunities and enhances long-term monetization potential. The rapid expansion of the member...

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at SoFi (NASDAQ:SOFI) and the best and worst performers in the personal loan industry. Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders. The 9 personal loan stocks we track reported a strong Q1. As a group, revenues beat analysts’ consensus estimates by 2% while next quarter’s revenue guidance was 0.8% below. While some personal loan stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 1.5% since the latest earnings results. Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ:SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money. SoFi reported revenues of $1.09 billion, up 41.1% year on year. This print exceeded analysts’ expectations by 3.5%. Despite the top-line beat, it was still a mixed quarter for the company with a solid beat of analysts’ EBITDA estimates but EPS in line with analysts’ estimates. Unsurprisingly, the stock is down 15.2% since reporting and currently trades at $15.57. Is now the time to buy SoFi? Access our full analysis of the earnings results here, it’s free. Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ:SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers. Sezzle reported revenues of $135.5 million, up 29.2% year on year, outperforming analysts’ expectations by 5.3%. The business had a stunning quarter with full-year EPS guidance exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates. Sezzle achieved the biggest analyst estimates beat among its peers. The market seems ha...

Micron (MU) reported fiscal Q2 2026 revenue of $23.9B, up 196% year-over-year, with Q3 guidance for $33.5B revenue and 81% gross margin, while trading at just 7x forward FY 2027 earnings compared to NVIDIA and Broadcom at 24x despite supplying the HBM memory critical to AI infrastructure. The company achieved $6.9B in free cash flow last quarter, approved a 30% dividend increase, and has begun HBM4 volume shipments with multi-year customer contracts replacing the old one-year model. Micron’s AI memory dominance is protected by structural constraints: HBM chip manufacturing requires years of cleanroom build-out and construction, customers can only receive 50-66% of their demand in the medium term, and supply-demand stays tight through 2026, creating a supply-constrained environment unlike the 2018 memory downcycle. It sounds nuts, but SoFi is giving new active invest users up to $1,000 in stock for a limited time, and all it takes is a $50 deposit to get started. See for yourself (Sponsor) Consider Micron Technology (NASDAQ:MU) here because a forward FY 2027 earnings multiple of 7x on a company sitting at the literal center of the AI memory bottleneck is a valuation that almost never exists at the heart of a megatrend, and the only reason it does now is that your advisor still thinks "memory" means 2018. The numbers do the arguing. Micron just reported fiscal Q2 2026 revenue of $23.9 billion, up 196% year-over-year, with non-GAAP EPS of $12.20 and gross margins of 75%. Guidance for Q3 calls for $33.5 billion in revenue, EPS of $19.15, and gross margin near 81%. Against a share price of $884 as of this writing, the market is still pricing this like a commodity DRAM shop heading into a downcycle. It is doing the opposite. By the time you read this, Micron may have even crossed $1,000. The rally is accelerating due to investors identifying how discounted the stock is compared to its earnings. And each time the rally accelerates, the FOMO will send it even higher. SoFi Active Invest is offering a limited-time promotion. Open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts. See for yourself by clicking here now. NVIDIA trades north of 24x forward earnings for FY 2027 (ends in January 2027). Broadcom (NASDAQ:AVGO) , almost the same. Micron, the company supplying the HBM that makes those GPUs...

At the end of April, SoFi Technologies (NASDAQ: SOFI) reported financial results for the first quarter, which ended on March 31. The digital banking powerhouse posted a 41% year-over-year increase in adjusted net revenue. And its adjusted diluted earnings per share (EPS) jumped 100%. These were fantastic results. However, the fintech stock dipped 15% following the announcement. And its shares, which now trade near $16, are 51% off their peak (as of May 20). This business has certainly been performing well, so is now the last chance for investors to buy SoFi while it's cheap? During Q1, SoFi continued to show that it's on a path of rapid growth. As mentioned, adjusted net revenue rose 41%. This was driven by the addition of 1.1 million net new customers, bringing the total to 14.7 million. The business has successfully carved out a niche in the competitive financial services industry by leaning on its technological capabilities to deliver a superior user experience. The expansion of the customer base proves SoFi's value proposition. This has led to tremendous profit gains. SoFi's adjusted net income margin was 15.3% in the most recent quarter, up from 9.2% in the year-ago period. It wasn't all good news, though. The company lost an important customer within its technology platform segment. As a result, revenue here fell 27% compared to Q1 2025. This is obviously not an encouraging development. But on a positive note, the technology platform accounted for less than 7% of SoFi's total revenue mix in the latest quarter. The business still registered monster growth. Despite the strong financial results, investors were likely disappointed that SoFi's management team did not raise guidance for the full year. Shares fell 15% after the news, which may also partly be attributed to the lingering effects of the March report by Muddy Waters Research, which questioned SoFi's accounting practices. These concerns might not be warranted given the company's impressive momentum. Investors can now buy SoFi stock while it's well below its record price from November 2025. The current price-to-earnings ratio of 35.4 is also well below its level at the start of 2026. This valuation looks more attractive after you realize the leadership team is calling for 40% (at the midpoint) annualized adjusted EPS growth over the next three years. It's impossible to say that this is the last tim...

SoFi Technologies, Inc. (NASDAQ:SOFI) is among the most traded US stocks so far in 2026. On May 12, Matthew Coad, an analyst at Truist, trimmed the price target on SoFi Technologies, Inc. (NASDAQ:SOFI) to $17 from $20 and maintained a Hold rating. This downward revision was attributed to lower Q2 revenue estimates due to sales assumptions and weaker expectations for the company’s technology platform segment. Previously, Dan Dolev from Mizuho cut the price target on SoFi Technologies, Inc. (NASDAQ:SOFI) to $29 from $38 and maintained an Outperform rating. This follows the company’s Q1 report, which the firm views as “solid.” The company’s member growth “remained robust,” the firm said, while reducing estimates for this year and the next. Pixabay/Public Domain Overall, the company has an impressive quarterly revenue growth (YoY) of 42.50% and quarterly earnings growth (YoY) of 134.40%. Yet, it remains overvalued at its current P/E ratio (ttm) of 34.86. The company is a Buy for 31% of analysts, Neutral for 50%, and bearish for the remaining 19%. That said, SoFi Technologies, Inc. (NASDAQ:SOFI) is among the most traded US stocks so far in 2026. SoFi Technologies, Inc. (NASDAQ:SOFI) is a California-based provider of financial services. Founded in 2011, the company operates through Lending, Technology Platform, and Financial Services segments. While we acknowledge the potential of SOFI as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 33 Stocks That Should Double in 3 Years and 15 Stocks That Will Make You Rich in 10 Years Disclosure: None. Follow Insider Monkey on Google News.

Nvidia posted record Q1 revenue of $81.6 billion, up 85% year-over-year, while net income surged to $58.3 billion. Nvidia CEO Jensen Huang said AI infrastructure demand had gone “parabolic” as agentic AI adoption accelerated. SpaceX’s IPO filing revealed plans for AI infrastructure and chip manufacturing, as well as retail IPO access through platforms such as Robinhood and SoFi. Shares of Nvidia Corp. (NVDA) are headed for a weekly loss amid shifting investor attention towards SpaceX’s massive IPO plans, with veteran tech investor Gene Munster noting that the recent S-1 filing overshadowed Nvidia’s AI momentum. NVDA stock jumped over 1% on Monday but is on-track to snap two straight weeks of gains, declining nearly 1% so far this week. See what 10M+ investors are talking about. Get the Stocktwits Daily Rip for what retail is watching right now, free to your inbox Deepwater Asset Management’s Munster said on X that SpaceX’s blockbuster IPO filing “sucked the air out of the NVDA quarter,” even as the AI chip giant delivered a blowout quarter. “Yes, NVDA crushed earnings,” Munster said. “But SPCX’s positioning as a sovereign AI company is a more compelling long-term (10-year) growth story.” Munster added that Nvidia and SpaceX together will have a combined market cap of $7 trillion. Nvidia reported record first-quarter (Q1) revenue of $81.6 billion, up 85% from a year earlier and ahead of Wall Street estimates of $78.9 billion. Net income also surged to $58.3 billion, more than triple from year-ago levels well above analyst expectations. CEO Jensen Huang said that demand for AI infrastructure had gone “parabolic” as agentic AI systems spread across the tech industry. Nvidia’s data-center business remained the primary growth engine, while networking hardware revenue tripled to a record $14.8 billion from the previous year. The company also announced an $80 billion share repurchase authorization and also raised its quarterly cash dividend. CFO Collette Kress said that Nvidia plans to return 50% of free cash flow to shareholders this year. Despite the strong results, Nvidia shares struggled to build momentum as markets focused on Musk’s rapidly expanding AI and infrastructure plans through SpaceX. SpaceX on Wednesday finally unveiled its long-awaited IPO prospectus, kicking off possibly the biggest stock offering ever. The company is reportedly targeting a valuati...

Interested in Webull Corporation? Here are five stocks we like better. Webull posted strong Q1 growth, with revenue up 36% year over year to $159.9 million as trading activity surged across equities, options and newer products. Customer assets reached $24 billion and net deposits climbed to $2.1 billion, showing continued user engagement despite market volatility. Management is spending heavily to grow, with adjusted operating expenses up 64% due to marketing and branding investments. Even so, Webull remained profitable on an adjusted basis for the sixth straight quarter and announced a share repurchase program of up to $100 million. AI, international expansion and the end of the PDT rule are key strategic drivers. Webull is building AI trading tools, expanding into more overseas markets, and expects the SEC’s elimination of the pattern day trader rule to boost activity among its active-trader customer base. Robinhood, SoFi, and Webull Are Telling Very Different Stories Webull (NASDAQ:BULL) reported first-quarter revenue growth of 36% year over year, as higher trading activity across equities, options and newer asset classes helped offset a more volatile market backdrop and heavier marketing spending. The digital brokerage generated total revenue of $159.9 million in the first quarter of 2026, Group CFO H.C. Wang said on the company’s earnings call. Trading-related revenue rose 36% year over year to $110.9 million, while interest-related income increased 29% to $40.1 million, driven by growth in margin loans and client cash balances. → CAVA Group’s Stock Looks Delicious After Strong Earnings The PDT Rule Is On Its Way Out: 5 Stocks That Stand to Benefit the Most Customer assets reached $24 billion, up 90% from a year earlier, though management said the figure declined sequentially because of market volatility. Customer net deposits totaled $2.1 billion in the quarter, also up more than 90% year over year. “What the numbers demonstrate, however, is that our customers remained engaged and continued to make meaningful deposits into the Webull platform during the quarter,” Group President and U.S. CEO Anthony Denier said. → SpaceX IPO: Opportunity? Or the Ultimate Hype Trade? Webull said equity notional volume rose 104% year over year to more than $261 billion and increased 9.2% sequentially. Options volume totaled 159 million contracts, up 31% year over year an...

Nu Holdings (NYSE:NU), a Latin American digital banking and financial services provider, closed Monday at $12.29, up 0.78%. The stock moved as traders continued to reassess Nu’s recent record Q1 results against rising credit provisions and margin pressures. Investors are watching how profitability holds up as loan growth and digital banking expansion continue. Trading volume reached 59.4 million shares, nearly 11% above its three-month average of 53.3 million shares. Nu Holdings IPO'd in 2021 and has grown 19% since going public. S&P 500 slipped 0.07% to finish Monday’s session at 7,403, while the Nasdaq Composite fell 0.51% to close at 26,091. In digital banking and financial technology, peers were mixed: SoFi Technologies closed at $15.71, up 0.64%, while PagSeguro Digital ended at $9.18, up 3.61%. Nu’s stock dropped roughly 10% last week after it narrowly missed analysts’ expectations with its Q1 earnings. However, the company inched higher today, in part due to news that Coatue Management raised its Nu holdings from 29 million shares to 40 million in the latest quarter. Furthermore, while Nu’s earnings were slightly disappointing, the company’s long-term outlook remains impressive. In Q1, Nu: grew customers by 13% saw average revenue per active customer rise to $16 from $12 reached a record efficiency ratio of 18% raised its net income by 56% delivered steady credit quality Trading at 19 times earnings, Nu remains a promising growth stock in my eyes, despite its short-term focused earnings “miss.” Before you buy stock in Nu Holdings, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Nu Holdings wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $469,293!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,381,332!* Now, it’s worth noting Stock Advisor’s total average return is 993% — a market-crushing outperformance compared to 207% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors. See the 10 s...

Interested in OppFi Inc.? Here are five stocks we like better. OppFi posted higher Q1 revenue but weaker profitability, with revenue up 8% to $152 million as receivables grew, while adjusted net income fell 11% and EPS slipped to $0.35 because of higher charge-offs and lower yield. The company is pushing a major strategic expansion through its planned $130 million acquisition of BNCCORP and BNC National Bank, which management says could lower funding costs, broaden geographic reach, and be highly accretive to EPS after closing. OppFi is investing in new products and infrastructure, including a new line of credit product, the LOLA origination/servicing system, and a shift to a traditional C-Corp structure, alongside a new $40 million share buyback program. SoFi Stock’s Next Test: Can It Justify Its Premium Valuation? OppFi (NYSE:OPFI) reported higher first-quarter 2026 revenue but lower adjusted earnings as elevated charge-offs offset growth in receivables, while management emphasized a series of strategic moves aimed at reshaping the company into a broader technology-enabled banking platform. Executive Chairman and CEO Todd Schwartz and CFO Pam Johnson used the earnings call to highlight OppFi’s planned acquisition of BNCCORP and BNC National Bank, its migration to the LOLA lending system, the launch of a line of credit product, a simplified corporate structure and a new share repurchase authorization. → Rocket Lab Just Hit a New All-Time High—Time to Buy or Let It Breathe? 4 AI-Powered Fintechs Revolutionizing the Future of Finance Johnson said OppFi generated first-quarter revenue of $152 million, up 8% from the first quarter of 2025. She attributed the increase largely to higher receivables, which ended the quarter at $445 million, up 9% year over year. Originations declined 7% from the prior-year quarter to $176 million. Johnson said the decrease reflected tighter credit for certain consumer segments, which began in the second quarter of 2025, as well as reduced loan demand tied to higher average tax refunds. → MP Materials Is Quietly Building a Rare Earth Powerhouse Tech Earnings Insights: Where Opportunity Meets Uncertainty Credit costs weighed on profitability. Net charge-offs as a percentage of revenue rose to 42% from 35% in the prior-year quarter, while net charge-offs as a percentage of receivables increased to 55% from 47%. Johnson said revenue y...

Investors appeared to take a measured approach immediately after SoFi Technologies SOFI released its first-quarter 2026 results on April 29, likely weighing the sustainability of the company’s rapid expansion against a shifting macro backdrop. However, as management commentary and forward guidance were digested more carefully, sentiment improved noticeably, helping the stock gain nearly 5% since the earnings release. The market’s positive reaction seems closely tied to SOFI’s accelerating member growth, record loan originations, expanding profitability and management’s confidence despite assuming no Federal Reserve rate cuts in 2026. The quarter reinforced SoFi’s transformation from a digital lender into a broader financial ecosystem powered by technology, banking, and increasingly diversified revenue streams. SoFi delivered adjusted net revenues of $1.09 billion in the first quarter, representing 41% year-over-year growth. The figure also exceeded the Zacks Consensus Estimate of $1.04 billion by 4.7%, reflecting continued momentum across lending, financial services, and member engagement activities. Image Source: SOFI The company’s ability to sustain growth above 40% at its current scale remains one of the most compelling aspects of the investment story. Importantly, management highlighted that SoFi achieved its 18th consecutive quarter, meeting the Rule of 40 benchmark, supported by 41% revenue growth and EBITDA margins of 31%. Adjusted EBITDA increased to $340 million during the quarter, while net income reached $167 million. Earnings per share came in at 12 cents, matching the Zacks Consensus Estimate and increased 100% year over year. Even though EPS did not produce a surprise, profitability metrics continued improving as the company scaled efficiently. Margins also remained healthy. Adjusted EBITDA margin stood near 31%, demonstrating SoFi’s ability to convert strong revenue growth into expanding earnings power. Meanwhile, net interest margin reached 5.94%, remaining well above the 5% threshold management expects to sustain for the foreseeable future. One of the strongest indicators of SoFi’s platform strength was its continued member acquisition momentum. The company added a record 1.1 million new members during the quarter, increasing total members 35% year over year to 14.7 million. Image Source: SOFI Product adoption trends were equally impressive....

Paypal (NASDAQ: PYPL) came into Q1 2026 as a company in the middle of a reset and still managed to beat across the board. Revenue landed at $8.35 billion versus expectations of $8.05 billion. Adjusted EPS came in at $1.34, comfortably ahead of the $1.27 estimate. Total payment volume hit $464 billion, up 11% year over year, the highest in its history. And yet, the stock fell almost 9% before the market even opened. That kind of reaction usually means the headline numbers are not the real story. In this case, it comes down to guidance and how you interpret it. What Actually Worried Investors For Q2 2026, PayPal expects non-GAAP EPS to fall about 9% compared to last year. For the full year, it is guiding to flat or slightly lower earnings versus $5.31 in 2025. On the surface, that is not great. A company that just beat expectations is basically saying the next stretch could look worse. But there is an important detail that did not get much attention. PayPal is intentionally loading most of its costs into 2026. It is reorganizing teams, shifting roles, and rolling out AI across the business. All of that hits profits now. The payoff is supposed to come later, mainly from 2027 onward. So this is less about weakness and more about timing. They are choosing to take the hit upfront. Check out Buy or Sell PYPL Stock and see how PYPL's key metrics compare with peers such as Block (XYZ) and Affirm (AFRM) A New CEO, Very Early Days Enrique Lores took over as CEO on March 1, 2026, after running HP for six years. He is not from the payments world. He is known for restructuring large, complex businesses. His first big move was to split PayPal into three focused units: Checkout and core PayPal Consumer financial services and Venmo Payment services and crypto The idea is simple. Different businesses need different strategies. Keeping everything under one structure was slowing things down. Breaking it up creates clearer ownership and accountability. He is also targeting at least $1.5 billion in cost savings over the next two to three years and plans to cut about 20% of the workforce. That sounds aggressive, but this is a company generating $6.8 billion in free cash flow. It is not a survival move. It is about improving margins. See also, What GameStop’s $55B Bid For eBay Means For Investors The Buyback Story People Are Missing While everyone is focused on guidance, PayPal is...

In this episode of Motley Fool Hidden Gems Investing, Motley Fool contributors Travis Hoium, Lou Whiteman, and Rachel Warren discuss: Spotify and streaming prices and ads. The recent drop for both Robinhood and SoFi. Bloom Energy and the AI energy bubble. To catch full episodes of all The Motley Fool's free podcasts, check out our podcast center. When you're ready to invest, check out this top 10 list of stocks to buy. A full transcript is below. Before you buy stock in Spotify Technology, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Spotify Technology wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $490,864!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,216,789!* Now, it’s worth noting Stock Advisor’s total average return is 963% — a market-crushing outperformance compared to 201% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors. See the 10 stocks » *Stock Advisor returns as of May 5, 2026. This podcast was recorded on April 29, 2026. Travis Hoium: Has the AI bubble turned into an energy bubble? Motley Fool Hidden Gems investing starts now. Welcome to Motley Fool Hidden Gems Investing. I'm Travis Hoium, joined today by Lou Whiteman and Rachel Warren. We have a lot of news, especially in the world of AI and energy. We're going to get to that in a moment. But I want to start with one of the I think more notable earnings reports yesterday came from Spotify. The market wasn't super happy with what they saw. But, Lou, the interesting dynamic here is Spotify is not saying, we're in trouble. We're losing customers. It reminds me a little bit of Netflix. It's more a matter of how fast are we gaining customers, and is that growth just isn't quite as impressive as it was a few years ago. They're maybe not getting into ads as quickly as investors had hoped, maybe not able to push those prices as high as people would hope. It's become this ho-hum business that you take a step back, and you go th...