SOFI

All eyes are on SoFi Technologies (NASDAQ: SOFI) as it gets ready to report second-quarter earnings. After three blowout years during which it gained roughly 468%, it's down more than 30% so far in 2026. There are various reasons the market has been disappointed in the stock this year, including its high valuation, a damaging short-seller's report, and a decline in its Tech Platform segment. When it reports second-quarter results on July 29, though, the one thing to look for is the growth in the financial services segment. Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue » The financial services segment covers all non-lending products, excluding the Tech Platform, which is a business-to-business platform. These are products like savings accounts and investing tools, and the segment has been growing rapidly. For a while, financial services' growth was outpacing the lending segment. For example, in the 2025 fourth quarter, financial services revenue increased 78% while lending revenue was up 19%. Lending has bounced back recently (up 55% year over year in Q1), and at the same time, the financial services segment has decelerated. In the 2026 first quarter, financial services products increased 40% year over year, while financial services revenue was up 41%. Financial services, though, still account for most of the product growth; 89% in the first quarter. Management is guiding for similar growth for financial services for the full year, although it didn't provide specific second-quarter guidance figures for its segments. One thing in SoFi's favor in the second quarter was the Space Exploration Technologies initial public offering (IPO). SoFi was one of five trading platforms that offered retail access to the IPO, and since the IPO was said to have been highly oversubscribed, that should show up in its results. This is where SoFi's major growth opportunities are as it works to cross-sell products, and this is what investors should be looking at. Before you buy stock in SoFi Technologies, 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 SoFi Technolog...

SoFi Technologies (SOFI) will release its second-quarter earnings on Wednesday, July 29. After spending much of the year under pressure, SoFi shares have staged a notable comeback, climbing more than 10% over the past month. Even so, the stock remains down more than 30% year-to-date (YTD), leaving plenty of room for a recovery if the company delivers another strong quarter. The key catalyst for SOFI stock would be a reacceleration in its non-lending businesses. Strong execution in these segments, along with upbeat guidance, could push the stock higher. Dear Google Stock Fans, Mark Your Calendars for July 13 Oracle Stock Crashes to a 52-Week Low. Here’s Why It Might Be Time to Buy. Netflix Stock is at New Lows, But Its FCF Is Strong - Is NFLX Too Cheap? Tired of missing midday reversals? The FREE Barchart Brief newsletter keeps you in the know. Sign up now! With this background, here's what investors should expect from SoFi's second-quarter results. While the slowdown in SoFi's non-lending business has weighed on its stock price, the financial technology company’s overall growth outlook remains strong. Strong member additions, rising product adoption, expansion of fee-based businesses, and continued strength in the Lending arm could help SoFi deliver another solid quarter. SoFi has been growing its member base at a solid pace. For instance, in Q1, SoFi added 1.1 million new members, increasing total members by 35% year-over-year (YoY) to 14.7 million. This momentum is likely to continue in Q2, as management is forecasting at least 30% YoY member growth in 2026. Further, much of the adoption of newer financial products will once again come from its existing members. This cross-selling strategy enhances customer lifetime value while reducing customer acquisition costs, supporting long-term profitability. A key concern heading into the quarter is the loss of a major client in SoFi's Technology Platform business, which is expected to weigh on non-lending revenue. However, the company's rapidly expanding Financial Services segment should help offset some of that weakness. Higher customer spending through SoFi Money and credit card products, rising brokerage fee income, and continued strength in the Loan Platform Business (LPB) are expected to support non-lending revenue growth. The LPB remains particularly attractive because it generates fee income without requiri...

Get insights on thousands of stocks from the global community of over 7 million individual investors at Simply Wall St. SoFi Technologies stock has delivered a 110.4% return over the past three years, yet the current valuation checks suggest the market price sits at a premium to the company’s intrinsic value estimate. Both the Excess Returns model and market multiples now point to SoFi trading on the expensive side rather than screening as a clear bargain. Over the last three years, SoFi has returned 110.4%, which puts extra focus on whether the current share price already reflects much of that progress. Investor enthusiasm around SoFi’s expanding digital banking and AI powered products can support higher expectations. At the same time, legal scrutiny and concerns raised by short sellers may limit how much investors are willing to pay for that growth. SoFi scores 0 out of 6 on Simply Wall St’s broader valuation checks. This means the stock leans expensive rather than standing out as undervalued on traditional metrics such as multiples and intrinsic value, as seen in the valuation summary. The issue now is whether SoFi’s premium price can be justified by its longer term earnings and cash flow potential, or if recent returns leave limited room for disappointment. SoFi Technologies delivered 1.6% returns over the last year. See how this stacks up to the rest of the Consumer Finance industry. The Excess Returns model looks at how much profit SoFi Technologies can generate over and above the required return on its equity base. For SoFi, the model uses a Book Value of $8.44 per share and a Stable EPS of $0.95 per share, with those earnings guided by analyst estimates of future return on equity. Against a Cost of Equity of $0.79 per share, SoFi is projected to earn an Excess Return of $0.16 per share, supported by an Average Return on Equity of 9.43% and a Stable Book Value of $10.11 per share. Putting these inputs together, the Excess Returns framework points to an intrinsic value of about $13.79 per share, which implies the stock is around 30.0% higher than the current market price. Despite record Q1 2026 growth and new products like SoFiUSD and AI powered investing tools creating a strong narrative, the model suggests the market is already pricing SoFi Technologies ahead of its projected economic returns. Overall, the Excess Returns analysis indicates SoFi Techn...

ARKK also added other financial stocks, including Robinhood, Coinbase, Circle, and Bullish. SoFi’s new platform will offer fixed-rate business loans of up to $250,000 to small businesses. However, investment bank Keefe Bruyette said it does not expect a significant near-term financial impact from the new offering. Cathie Wood’s ARK Investment Management closed its second quarter by adding a significant position in SoFi Technologies Inc. (SOFI) on the same day that the fintech firm launched a small business lending platform offering loans of up to $250,000. According to Ark Invest Tracker, Wood’s ARK Innovation ETF (ARKK) bought 202,095 shares of SOFI, worth about $3.62 million based on its last closing price. See what 10M+ investors are talking about. Get the Stocktwits Daily Rip for what retail is watching right now, free to your inbox The ETF also added other financial stocks, including Robinhood Markets Inc. (HOOD), and cryptocurrency firms Coinbase Global, Inc. (COIN), Circle Internet Group, Inc. (CRCL), and Bullish (BLSH). These purchases align with Wood’s bullish stance on the pending CLARITY Act, which could provide regulatory clarity for financial and crypto firms by defining when digital assets are treated as commodities. It would also place more oversight under the CFTC, a move Wood has previously said could accelerate innovation and institutional adoption. Meanwhile, earlier on Tuesday, the financial company launched SoFi Small Business Loans, expanding beyond its core lending operations as it targets becoming the everything app for digital financial services. The new platform will offer fixed-rate business loans of up to $250,000 to small businesses, with the company stating that eligibility checks would be completed in minutes and that funding would be available as soon as 24 hours after approval. It also features transparent pricing with no application, origination, or prepayment fees, alongside predictable repayment schedules to help businesses manage cash flow and growth plans. “Small business owners deserve financing that moves as fast as they do. @SoFi Small Business Loans are an important step in building a financial services platform for every major financial decision in our members’ lives, and all the days in between,” CEO Anthony Noto said in a post on X. However, investment bank Keefe Bruyette said it does not expect a significant near...

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...