NASDAQ:SOFI

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SoFi Technologies (SOFI) Tumbles 14% Despite Record Revenue

SoFi Technologies shares fell roughly 14% on Wednesday, a punishing reaction to an earnings report that was better than expected on the surface but left investors with plenty to worry about underneath.

The digital bank posted Q1 revenue of $1.1 billion, up 41% year-over-year, and record loan originations of $12.2 billion. Yet the stock sold off hard for three key reasons.

First, Galileo, SoFi's high-margin banking-as-a-service platform, saw revenue collapse 27% to $75 million, hit by the exit of major client Chime from the platform (24/7 Wall St.). Second, SoFi's Q2 guidance missed Wall Street's forecasts on both revenue growth and EBITDA margin, sparking concerns about the company's near-term trajectory (FinancialContent). Third, management left its full-year guidance unchanged — offering no upside surprise to a market that needed reassurance.

Adding to the pressure, a second Muddy Waters short report alleged accounting irregularities involving a $312 million JPMorgan loan, while TD Cowen slashed its price target to $17 from $24 and Bank of America cut its target to $18, both citing macro headwinds and competition (StocksToTrade).

At around $15.88 per share, SOFI now trades more than 50% below its 52-week high of $32.21 from November 2025 (FinancialContent).
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Global Finance News 04-29-26
SoFi Technologies reported a standout fourth quarter in 2025, delivering record adjusted net revenue of $1.0 billion, up 37% year over year, and net income of $174 million. Adjusted EBITDA rose 60% to a record $318 million, while fee-based revenue jumped 53% to $443 million.

Growth remained strong across the platform, with members increasing 35% to a record 13.7 million and total products rising 37% to 20.2 million. Management highlighted continued momentum from its one-stop digital financial services model and announced 2026 guidance alongside a positive medium-term outlook.

Source: Business Wire, January 30, 2026
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Global Finance News 01-30-26
SoFi Launches $1.5 Billion Public Offering to Strengthen Capital and Support Growth

SoFi Technologies (NASDAQ: SOFI) has announced a $1.5 billion underwritten public offering of common stock, with underwriters receiving a 30-day option to purchase up to an additional 15 percent. All shares will be issued and sold by the company. SoFi plans to use the proceeds to bolster its capital position, enhance flexibility in capital management, and fund future growth initiatives.
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WS Investor 12-05-25

5 High-Growth US Fintech Stocks Riding the Digital Banking Boom - The Smart Investor

Ride the wave of digital banking with these five innovative US fintech stocks in 2025.

(thesmartinvestor.com.sg)
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Global Finance News 07-04-25
SoFi’s Q1 2025 earnings highlights:

- Net revenue: $772 million, up 20% year-over-year
- Adjusted net revenue: $771 million, up 33%
- Adjusted EBITDA: $210 million, up 46%
- GAAP net income: $71 million
- Diluted EPS: $0.06, up from $0.02 a year ago
- Member growth: 800,000 new members, reaching 10.9 million total, up 34% year-over-year
- Product growth: 1.2 million new products, reaching 15.9 million total, up 35%

Segment performance:

- Financial Services: revenue doubled to $303 million; contribution margin rose to 49%
- Technology Platform: revenue grew 10% to $103 million; contribution margin at 30%
- Lending: revenue rose 25% to $413 million; lending origination volume hit a record $7.2 billion, up 66%

Additional points:

- Fee-based revenue reached a record $315 million, up 67%
- Net interest income rose 24% year-over-year
- Tangible book value grew to $5.1 billion, or $4.58 per share
- Credit performance improved, with lower charge-off and delinquency rates
- Continued brand-building activities, including partnerships with TGL (stadium golf league) and CMA Fest
- New SoFi Plus subscription service launched

Updated 2025 guidance:

- Full-year adjusted net revenue expected at $3.235 to $3.310 billion (previously $3.200 to $3.275 billion)
- Full-year adjusted EBITDA expected at $875 to $895 million (previously $845 to $865 million)
- Full-year GAAP EPS expected at $0.27 to $0.28 (previously $0.25 to $0.27)
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WS News 04-29-25
SoFi Technologies reported record performance in Q4 2024, with a net revenue of $734 million, reflecting a 19% year-over-year increase, and net income of $332 million, a significant leap from $48 million in Q4 2023. The company's strong performance was driven by the Financial Services and Tech Platform segments, which combined grew 52% year-over-year and contributed 49% of total adjusted net revenue.

For 2024, SoFi achieved a GAAP profitability milestone with $2.7 billion in total net revenue, up 26% from the prior year, and a full-year net income of $499 million, compared to a loss of $301 million in 2023. Key drivers of growth included a 34% increase in members, a 32% increase in products, and a 63% rise in fee-based revenue.

In the Lending segment, loan originations reached $7.2 billion in Q4, a 66% year-over-year increase, with personal, student, and home loans posting record volumes. SoFi also reported improved credit performance, with personal loan delinquency and charge-off rates decreasing.

For 2025, SoFi projects adjusted net revenue growth of 23–26% and adjusted EBITDA between $845–$865 million. Management also plans to reinvest in the business, targeting an incremental EBITDA margin of 30%.
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The Investor 01-27-25
What is your expectations for Sofi in 2025?
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Global Finance News 01-17-25
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