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Trending News:China’s CSPC Pharmaceutical, AstraZeneca’s long-acting obesity drug partnerRavi Shastri predicts both teams to cross 300-run milestone in T20 World Cup 2026Indonesia Stock Exchange CEO resigns after $84 billion market disappears5E Advanced Materials prices $36 million public offeringWaymo robotaxis now provides rides to and from San Francisco International AirportAaron Rodgers’ IG post on James Campen goes viral as new Steelers OL coach reunites with Mike McCarthy at PittsMiddle-income Americans say incomes are falling behind costs in Primerica surveyChristian Mbilli targets big names after WBC title promotionTrump says Russia will suspend bombing of Kiev amid extreme winter conditions Russia-Ukraine war newsThe Panama court annulled the Hong Kong company’s canal contractClient ChallengeBillions in tax revenue could be generated by expanding the legalization of sports bettingJim Cramer reiterates “Have apple, don’t trade it”Mayank Yadav makes shock return for T20 World Cup 2026; Riyan Parag is back tooPennsylvania Gov. Josh Shapiro condemns Larry Krasner’s anti-ICE rhetoric"Regionally, there is real concern" about the possibility of American attacks on IranUS lawmakers reach deal on government spending, ICE debate continuesApple’s AirPods 4 with ANC retail for $119Austin Cindric’s dad Tim gets second chance at Team Penske after shock shootingEconomic calendar for FridayGlenn McGrath reveals the five toughest batsmen he faced during storied careerHow Trump’s tariffs and forced labor led to China’s $1 trillion trade recordPanama court voids CK Hutchison port contractsFCC Wants Your Help In Its Investigation Of Verizon OutageLARRY KUDLOW: Don’t listen to Schumer’s open borders crowdPhilippine Foreign Minister: ASEAN does not “currently” recognize Myanmar elections ASEAN NewsClient ChallengeDavis, Ortiz stress urgency of joint MSG featureFrench IT group Capgemini under fire for ICE migrant tracking contractApple Drops $2 Billion on Israeli AI Facial Tracking CompanyFormer AEW stars train ahead of 2026 Royal Rumble; WWE return could make a splashTimberwolves players issue statement in response to Minneapolis ICE shootingAsia is one of the least insured places in the world, even as it is plagued by climate change and natural disasters.“Labor-intensive sectors will find a good market in European countries”: CEA Anantha Nageswaran on FTATilak Varma to rejoin India team after release; Washington Sundar’s fitness under scanFintech firm Marquis has blamed a hack by firewall provider SonicWall for its data breachMan impersonating FBI agent jailed, murder defendant releasedTrump has threatened tariffs on any country that supplies Cuba with oilBNY Mellon (BK) price targets set by KBW and RBC CapitalTrump threatens new tariffs on countries that supply Cuba with oilThe FBI is looking for Michael Lizaso Marasigan for illegal gambling and fraudThe U.S. Armada is approaching, and Iran is preparing for war. Conflict NewsClient ChallengeSkyWest outlines mid-single-digit block hour growth and capEx of $600-625 million by 2026 amid contract extensions and solid fleet plans5 possible endings for the 2026 WWE Men’s Royal Rumble MatchMaingear’s latest retro gaming desktop takes you back to the Earthquake eraHomeland Security’s Kristi Noem responds to mass calls for her firing in new Alex Pretty videoAsian stocks slip tracking Wall St slide, set for monthly gain; The Tokyo CPI is targetedTrump plans to announce his pick for Fed chair Friday morningRecord-breaking 100th T20I: Quinton de Kock stars in South Africa series win over West IndiesWarships and fighter jets: What is the ‘huge’ American armada on the way to Iran?Trump reportedly said it was “very dangerous” for Britain to do business with China as Starmer sought a diplomatic resetClient ChallengeThe best Citi credit cards for February 2026NASCAR modifies weekend schedule, clash at Bowman Gray Stadium faces weather nightmareA Waymo Robotaxi Hits a Child at a SchoolTrump warns UK about business with China after Starmer-Xi talksRussia-Ukraine War: List of Key Events, Day 1,436 | Russia-Ukraine War NewsMaxLinear targets Keystone revenue of $100-130 million by 2026 as infrastructure push acceleratesWrexham have reached the Championship play-offs as they seek a fourth successive promotion | Football NewsXi’s military purge could set back his Taiwan ambitionsMedium hired employees on Friday to join a national strike protesting ICESL vs ENG Dream11 Prediction Today’s Match, Dream11 Today’s Team, Fantasy Cricket Tips, Match Eleven, Pitch Report, Injury Updates – England Tour of Sri Lanka 2026, 1st T20IPresident Trump signs order threatening tariffs on countries that supply oil to CubaTrump plans to announce his Fed chief nominee on FridayPresident Trump threatens 50% tariff on Canadian planesNFL fans react as Eagles hire former Vikings QB to replace Kevin Pattullo as OCClimate change has fueled catastrophic flooding in southern AfricaThe Austrian Supreme Court ruled that loot boxes are not gamblingTrump says he will announce Powell’s replacement as Fed chairman on Friday morningForm 144 Nextpower Inc. For: 29 JanuaryDear SoFi Stock fans, mark your calendars for January 30thPatriots vs. Seahawks channel, start time, where to stream and moreFree Netball Live: England lose to South Africa in first Test of seriesUkraine receives 1,000 bodies in latest soldier exchange with RussiaNatera: President Fesko sold $409k of stockSchneider National outlines EPS guidance of $0.70 to $1 for 2026 with $40 million in new cost savings and executive transition amid industry supply attritionGoogle Brings Genie 3 ‘World Building’ Experiment to AI Ultra SubscribersCarlos Alcaraz’s brother Jaime gets an ominous warning from a former tennis pro with a similar past that he’s in dangerACROSS AFRICA: A Chibok mother’s story of grief and strengthSL vs ENG: Pitch Report, Pallekele International Cricket Stadium Stats & Records for T20I SeriesWhat is the format and complete schedule of the 2026 T20 World Cup? | ICC Men’s T20 World Cup NewsThe US has eased some sanctions on the Venezuelan oil industryThousands of food products were recalled due to rodent contamination concernsMercedes-Benz Says 2027 S-Class Gives Passengers a Better Ride Through AIF1 Testing: Aston Martin makes Barcelona debut, Oscar Piastri’s drive limited by McLaren technical issues | F1 NewsTrump threatens tariffs on countries that sell oil to CubaCalifornia Sheriff refuses to support ICE actions during Super Bowl LXChina’s CSPC Pharma signs $1.2 bln peptide deal with AstraZenecaAccess to this page has been denied.Guys, I don’t think Tim Cook knows how to monetize AITommaso Ciampa finally gives the real reason why he left WWE after debuting in AEWNikkei 225, Kospi, Jakarta Composite IndexThe concept of women as property as ‘perversion enshrined in law’Apple’s Q1 earnings blowout is a reminder of why it’s amazing—and why it’s floundering on AIPennyMac plans to operate ROE to reach middle-aged and older teens by 2026 with full deployment of VestaOxford Casino takes Maine to court over allowing tribes to operate iGamingWhy did China execute 11 members of Myanmar’s Ming mafia family?1/29: CBS Evening NewsMoeen Ali says Brendan McCullum ‘absolutely’ should stay on as England manager despite missing out on ‘golden opportunity’ to win Ashes Cricket News
SoFi Technologies ( SOFI ), founded in 2011, has entered earnings season with investors clearly more cautious than enthusiastic. The stock has dropped below $30 and is now trading about 40.34% below its 52-week high.
The decline followed a predictable sequence. Management’s $1.5 billion capital raising reopened concerns about dilution just as early investors began locking in profits after a sharp rally. With valuations already high, the market chose discipline and took a step back rather than push prices higher.
But a narrow focus on stocks obscures the bigger picture. SoFi’s underlying business is still expanding. Product adoption is consistent, membership growth is robust, and engagement metrics show no sign of fatigue.
The notion is supported by investor behavior. Shares rose 4.9% when the company revealed its earnings schedule on Jan. 2, and gained an additional 6.6% in after-hours trading.
So let’s weigh in on what investors might do with SoFi stock after earnings, which will be released on Friday, January 30th, before the market opens.
Based in San Francisco, California, SoFi is a member-centric digital financial ecosystem rather than a single-product fintech. With a market capitalization of about $31.1 billion, it spans lending, banking technology, APIs, investment tools and cash management under one integrated platform.
Even so, the course of the actions has not been smooth. Over the past 52 weeks, SoFi shares gained nearly 58.33%. The force rose 20% over six months before falling 5.95% last month as valuation discipline returned.
www.barchart.com
SoFi stock now trades at 70.95 times forward adjusted earnings and 9.17 times sales. The multiples are well above industry averages, indicating a significant premium and leaving little room for error as expectations remain high.
On Oct. 28, 2025, SoFi delivered Q3 2025 earnings that sent its stock up 5.5% in a single trading session. Revenue rose 37.9% year-over-year (YOY) to $961.6 million, easily beating analysts’ estimates of $904.4 million. Adjusted EPS rose 120% from the year-ago quarter to $0.11, beating consensus expectations of $0.08.
Margins have widened in tandem. Adjusted net income increased 129.5% year-over-year to $139.4 million, while adjusted EBITDA increased 48.7% year-over-year to $276.9 million. The growth extended well beyond finance. SoFi added a record 905,000 new members, bringing total membership to 12.6 million, a 35% year-over-year increase.
Product growth followed suit, with 1.4 million new products added, bringing the total to 18.6 million, up 36% year over year. In addition, the quality of engagement has improved significantly. Approximately 40% of new products came from existing members, marking the highest cross-buy rate since 2022 and extending a four-quarter upward trend.
Looking ahead, management has accordingly increased guidance for fiscal 2025. The company now expects to add approximately 3.5 million members, which represents growth of 34%, up from previous guidance of three million and 30%. Adjusted net income is expected to be $3.54 billion, implying growth of 36% compared to the previous outlook of 30%.
Management also now expects adjusted EBITDA of nearly $1 billion, up from $960 million, representing a margin of 29%. Adjusted net income is expected to come in at $455 million, up from $370 million previously, with adjusted EPS rising to $0.37 from $0.31.
On the other hand, analysts forecast 2025 Q4 EPS to grow 140% year-over-year to $0.12. For FY2025, the bottom line is forecast to grow 146.7% to $0.37, followed by another 59.5% increase in FY2026 to $0.59.
Wall Street, however, remains measured. SOFI stock currently has an overall rating of “Hold”. Among 24 analysts, five rate it a “Strong Buy”, two suggest a “Moderate Buy”, 12 recommend a “Hold”, two lean towards a “Moderate Sell” and three have assigned a “Strong Sell”.
However, the division reflects tension rather than confusion. SoFi continues to scale rapidly, monetize effectively, and deepen engagement. Higher product usage, expansion of capital-light companies and strong deposits are collectively supporting durable growth.
However, the average price target of $27.58 implies a gain of 8.3% from current levels. More optimistically, the Street-high target of $38 suggests almost 49.3% upside from current levels.
www.barchart.com
www.barchart.com
As of the date of publication, Aanchal Sugandh had no positions (either directly or indirectly) in any of the securities mentioned in this article. All information and data in this article is for informational purposes only. This article was originally published on Barchart.com
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