SoFi Guides for 30% Revenue Growth, Posts Q4 EPS Beat
SoFi reported Q4 EPS of $0.13 vs $0.12 consensus with revenue up $274M year-over-year, and guided for 30% net revenue growth, 34% adjusted EBITDA margins and $0.60 adjusted EPS in 2026. JPMorgan lifted its target to $31 and Citizens set $30 as membership grew 35% and deposits topped $3B.
1. Q4 Performance and 2026 Outlook
SoFi posted Q4 EPS of $0.13, beating the $0.12 consensus, with revenue up $274 million year-over-year. Management forecasted 2026 net revenue growth of 30%, 34% adjusted EBITDA margins and $0.60 in adjusted EPS.
2. Analyst Upgrades and Targets
JPMorgan upgraded SoFi to Overweight and set a $31 price target, citing momentum in member additions and deposits. Citizens Financial Group assigned an Outperform rating with a $30 target after noting 35% membership growth, nine consecutive GAAP-profitable quarters and over $3 billion in incremental capital.
3. Peer Earnings Influence
Investors are eyeing Robinhood Markets’ upcoming earnings as a barometer for app-based trading and digital banking demand. Strong customer growth, trading activity or cash balances at Robinhood could bolster sentiment for SoFi’s investing and banking services, while weaker metrics may pressure the fintech peer group.
4. Technical Indicators and Levels
SoFi shares trade 12.4% below the 20-day and 21.8% below the 100-day simple moving averages, indicating short-term resistance. The 52-week gain of 40.7% positions shares nearer highs than lows, with key resistance at $22.50 and support at $20.00, and an RSI of 34.93 suggesting neutral momentum.