Why SoFi Technologies stock moves
SoFi Technologies rose slightly without a company-news explanation.
Written after the close on ·
Why today
16,437 news analyzed todaySoFi Technologies rose slightly without a company-news explanation.
The stock moved more than the S&P 500, which was roughly flat, and moved against its Financial Services sector, which fell slightly.
The move was an ordinary one for SoFi, smaller than a normal daily swing.
Over the last five trading days, SoFi fell slightly while the S&P 500 fell sharply, so it moved in line with the broader market.
Most of the recent drop reflects a broad market sell-off, which has pulled back the post-earnings gain from last week's strong third-quarter report.
Today's move of +1.06% was 0.7 times a normal day's 1.5%. S&P 500 moved +0.31% on the same day.
SoFi Technologies +1.06%S&P 500 +0.31%A little stronger than the market
What analysts expect, and how often they have been right
Analysts’ estimates for SoFi Technologies.
SoFi Technologies earned more than expected in 7 out of 8 reports.
For comparison, about 82% of reports from US companies beat the estimate in the last three years.
The share moved in the same direction as the earnings surprise in 5 out of 8 reports with a measured move, against about 55% of reports from US companies.
Ratings
Price targets
Latest price $16.21
Earnings against expectations, and the share’s reaction
Expected EPSAbove estimateBelow estimateAs expected$
Next reported quarter: expected earnings per share of $0.20 (January 29). For the current fiscal year, expected earnings per share changed from $0.59 three months ago to $0.61 now. 2026 estimate: $0.61. 2027 estimate: $0.90.
Has the share price followed the business?
Price and earnings moved in the same direction: 2 out of 3 years. Across US companies, that happens in about 65% of years. In 2025, the price changed +70% and earnings per share +0%.
Revenue, profit and market cap
RevenueProfitMarket capHatched bars: analysts’ estimates.$B
Assets, liabilities and market cap
AssetsLiabilitiesMarket cap$B
Price and earnings moved in the same direction: 2 out of 3 years.Market cap (Now): $21.0BRevenue 2025: $3.6B
What the key figures say about SoFi Technologies
The figures connect what SoFi Technologies earns with what investors pay.
The line shows the share price in the same year, on its own scale. Hatched bars: analysts’ estimates.
Profit divided by the number of shares. Each share represents this much of the earnings.
2022–2025: -$0.40–$0.39. Peers: PayPal Holdings $5.24, Klarna Group -$0.37, Upstart Holdings $0.61. 2026 estimate: $0.61 ($0.56–$0.65). 2027 estimate: $0.90 ($0.87–$0.93).
What the company sold during the year.
2022–2025: $1.6B–$3.6B. Peers: PayPal Holdings $34.3B, Klarna Group $4.0B, Upstart Holdings $1.4B. 2026 estimate: $5.1B ($4.9B–$5.1B). 2027 estimate: $6.4B ($6.1B–$6.6B).
Profit as a percentage of shareholders’ money in the company.
2022–2025: −6.5%–7.3%. Peers: PayPal Holdings 23.8%, Klarna Group −4.3%, Upstart Holdings 8.0%.
The price investors pay for each unit of annual earnings per share. Not shown for a loss.
2022–2025: 39.5–67.1. Peers: PayPal Holdings 11.3, Upstart Holdings 35.9. 2026 estimate: 26.6. 2027 estimate: 18.0.
What investors pay for each unit the company sells.
2022–2025: 2.74–9.21. Peers: PayPal Holdings 1.43, Klarna Group 1.28, Upstart Holdings 1.57. 2026 estimate: 4.16. 2027 estimate: 3.28.
More key figures
Market cap divided by shareholders’ equity, what remains after liabilities.
2022–2025: 0.78–3.17. Peers: PayPal Holdings 2.55, Klarna Group 2.11, Upstart Holdings 2.44.
Cash left after investments, divided by the number of shares.
2022–2025: -$7.88–-$1.17. Peers: PayPal Holdings $7.58, Klarna Group -$10.05, Upstart Holdings -$2.06.
The percentage of assets financed by shareholders’ equity.
2022–2025: 18.0%–29.1%.
What to watch next, and why
The earnings report shows how SoFi Technologies's revenue and profit have changed.
- Earnings report
The earnings report shows how SoFi Technologies's revenue and profit have changed.
Add to calendar
Earnings report
Next report: · Add to calendar · Google Calendar
On its last 15 report days SoFi Technologies usually moved about 6.6%. On a normal day it moves 1.5%.
+13.42% Why? −8.90% −2.13% −6.36%
$10,000 in SoFi Technologies bought on November 30, 2020 is worth $15,500 today, with dividends reinvested.
The same amount in S&P 500 with dividends would have become $22,000.
What would $10,000 in SoFi Technologies be worth today? →
What would $10,000 in SoFi Technologies be worth today?
$15,500
with dividends reinvested, bought on November 30, 2020. The same amount in S&P 500 with dividends would have become $22,000.
At worst it was worth $4,100 (December 7, 2022).
The five biggest days of the journey
· +57.9% · the whole market rose 1.5% the same day
· +28.4% · the whole market rose 1.6% the same day · report day
· +24.0% · the whole market fell 1.9% the same day
· +20.2% · the whole market rose 0.8% the same day · report day
· +19.9% · the whole market rose 0.1% the same day · report day
Earlier days
−3.28% market −2.70% SoFi Technologies edged lower over the week's five trading days. Read →
SoFi Technologies edged lower over the week's five trading days.
It moved roughly in line with a sharp fall in the broader market, and against a slight gain in its sector.
Company news was mostly background from the earlier quarterly report, which was strong.
Analysts raised their price targets, the share prices they see as fair.
−7.71% market −4.41% SoFi Technologies fell, moving more than the broader market. Read →
SoFi Technologies fell, moving more than the broader market.
The S&P 500 also fell very sharply over the same days, so much of the drop was market-wide.
No single company news from that session clearly explains the fall, so the cause is probably mostly broad selling.
Over the last five trading days the stock fell sharply while the sector ETF rose slightly.
Its most recent quarterly report, released before that session, was strong, which makes this drop look more like a market move than a company-specific one.
+3.64% market +1.65% SoFi Technologies rose after strong earnings and a higher outlook. Read →
SoFi Technologies rose after strong earnings and a higher outlook.
The day's news includes an upbeat quarter with record customer growth and raised guidance.
SoFi rose more than the S&P 500, which also rose sharply, so it moved more than the market.
Over the last five trading days, the stock was roughly unchanged, while the market fell slightly.
Investors likely reacted to the quarterly results and raised full-year guidance, which were stronger than expected.
+1.02% market +0.30% SoFi Technologies rose slightly without a company-news explanation. Read →
SoFi Technologies rose slightly without a company-news explanation.
The stock moved more than the S&P 500, which was roughly flat, and against its sector, which fell clearly.
The move was an ordinary-sized one for SoFi Technologies, within its usual daily range.
Over the last five trading days, SoFi Technologies rose slightly while the S&P 500 fell clearly.
Its gains build on its October 27 results, when revenue beat estimates and it raised its full-year outlook.
−0.95% market −0.48% SoFi Technologies edged down, mostly ordinary trading. Read →
SoFi Technologies edged down, mostly ordinary trading.
The stock fell slightly while the S&P 500 also fell slightly, so it moved in line with the broad market, a US stock index.
The sector ETF, a fund tracking financial stocks, rose sharply, so SoFi lagged its sector that day.
No company news from the last session clearly explains the move.
Over the last five trading days, the shares rose sharply, a very big move for this stock, while the S&P 500 fell clearly.
−4.83% market −1.77% SoFi Technologies fell sharply without a company-news explanation. Read →
SoFi Technologies fell sharply without a company-news explanation.
The S&P 500 also fell sharply that day, so SoFi moved roughly in line with the broad market, and it fell more than its sector ETF.
Over the last five trading days, SoFi rose sharply, a very big move for the stock, while the S&P 500 slipped slightly.
The earlier surge likely reflected investors reacting to its quarterly report, which beat expectations and raised its full-year forecast, though that news came out before the last session.
The next earnings report is due on 29 January 2027.
+14.68% market −0.56% SoFi Technologies rose sharply over the week, a very big move for the stock. Read →
SoFi Technologies rose sharply over the week, a very big move for the stock.
The main driver was its quarterly earnings release on 27 October, which beat expectations and raised its full-year guidance.
Over the same days the S&P 500 fell slightly, so SoFi moved against the broader market.
Next, the company's next earnings report is due on 29 January 2027.
+2.74% market −0.38% SoFi Technologies rose sharply on strong third-quarter results. Read →
SoFi Technologies rose sharply on strong third-quarter results.
The stock moved against a slightly lower S&P 500 that day, so it outperformed the broader market.
Over the last five trading days it rose very sharply, a move about five times a normal stretch for this stock.
The likely driver is the earnings release published earlier this week, which showed record revenue and raised full-year guidance, the company's own outlook for the year.
Trading volume was roughly double its usual level, so investors reacted strongly to the report.
+4.51% market +0.34% SoFi Technologies rose after its record quarterly results. Read →
SoFi Technologies rose after its record quarterly results.
Its shares moved far more than the S&P 500 and the Financial Services sector, which both rose only slightly that day.
The most likely reason is the third-quarter earnings release, published the day before, which showed record revenue, higher member and product counts, and raised full-year guidance, meaning the company's forecast for the year.
Trading volume was well above its usual level, and the rise was very big for SoFi Technologies, rare within the past year.
Over the last five trading days the stock rose sharply, while the market and its sector were roughly flat.
+13.42% market +0.56% SoFi Technologies rose sharply after strong quarterly results. Read →
SoFi Technologies rose sharply after strong quarterly results.
It moved well apart from the market, which rose clearly, while its sector ETF fell slightly.
Earnings were a record: adjusted revenue rose 44% to $1.4 billion, and full-year 2026 revenue guidance was raised.
The results beat analyst expectations, and the company also set a preliminary outlook for 2027, which likely fueled investor enthusiasm.
Trading volume was about four times a normal session, and the move was a very big one for SoFi, about seven times a normal day.
−1.06% market +0.71% SoFi Technologies had an ordinary day, falling without a company-news explanation. Read →
SoFi Technologies had an ordinary day, falling without a company-news explanation.
The stock moved against the S&P 500, which rose clearly, and against its sector, which rose slightly.
The move was smaller than a normal day for SoFi, and trading volume was around its usual level.
Over the last five trading days the shares were roughly unchanged, while the market was roughly flat and the sector rose clearly.
The shares are well below their high from mid-November last year and close to their low from mid-October.
−1.05% market −0.52% SoFi Technologies fell slightly without a clear company cause. Read →
SoFi Technologies fell slightly without a clear company cause.
Over the same day the S&P 500 fell clearly, so SoFi moved less than the market overall.
Its Financial Services sector ETF fell sharply, so SoFi moved in line with its sector.
The move was ordinary for SoFi, and trading volume was around its usual level.
In the last five trading days SoFi was roughly unchanged, while the S&P 500 fell slightly.
+0.45% market −0.43% SoFi Technologies was roughly unchanged over the last five trading days, moving less than the S&P 500, which fell slightly. Read →
SoFi Technologies was roughly unchanged over the last five trading days, moving less than the S&P 500, which fell slightly.
Its move was ordinary in size and trading stayed at its usual level.
The company's main news was a new tokenized deposit paying 4.40% on cash, a digital form of bank deposit, launched in the last few days.
Earlier in the week, a stablecoin partnership with Mastercard was also reported.
+1.50% market +0.53% SoFi Technologies rose slightly, with no company news explaining it. Read →
SoFi Technologies rose slightly, with no company news explaining it.
SoFi Technologies edged up in the last session, an ordinary-sized move for the stock.
The S&P 500 rose clearly that day, so SoFi Technologies moved less than the broad market.
The Financial Services sector ETF, a fund tracking the sector, also rose clearly, so the stock lagged its peers.
Its earnings report is due Tuesday 27 October, the next event to watch.
+2.66% SoFi Technologies rose clearly, moving well ahead of its sector. Read →
SoFi Technologies rose clearly, moving well ahead of its sector.
Over the last five trading days the stock fell slightly, while the S&P 500 fell clearly.
The stock therefore held up better than the broad market over that stretch.
The next earnings report is due on 27 October, and that is the key event to watch.
−1.72% market +0.42% SoFi Technologies, Nasdaq-listed, fell slightly, against a slightly rising market. Read →
SoFi Technologies, Nasdaq-listed, fell slightly, against a slightly rising market.
Over the last five trading days the stock fell clearly, more than the S&P 500 and its flat financial sector.
The most likely drivers are weak sentiment after a 52-week low, a cut to a price target (the share price an analyst expects) and bearish options positioning.
The next earnings report, its quarterly results, is due on 27 October.
−3.58% market −1.11% SoFi Technologies fell clearly, more than the broader market did. Read →
SoFi Technologies fell clearly, more than the broader market did.
Over the last five trading days the shares fell clearly, while the Financial Services sector rose, so SoFi moved against its sector.
Price pressure from rising interest rates is a likely drag, since higher rates tend to hurt fast-growing lenders and fintech stocks.
Broad selling in risky growth stocks probably added to the decline.
The next earnings report, its quarterly results update, is due Tuesday 27 October 2026, and it is the next company event to watch.
+6.12% market +0.28% SoFi Technologies jumped sharply, with no single company event clearly behind it. Read →
SoFi Technologies jumped sharply, with no single company event clearly behind it.
Over the last five trading days the stock fell clearly while the S&P 500 was roughly flat and the Financial Services sector ETF rose, so the stock lagged its sector.
In the last session it rose far more than both the market and its sector, a rebound from a 52-week low.
The most likely drivers were heavy buying of call options (bets on a higher price) and renewed enthusiasm for SoFi's stablecoin, a digital dollar-pegged crypto token, business, which some commentators framed as a turnaround story.
Options flow can amplify moves in beaten-down stocks, so a sharp snapback like this is partly technical.
−6.69% market −1.08% SoFi Technologies fell very sharply, likely because hotter-than-expected inflation data revived fears of higher interest rates and pressured banks and fintech lenders. Read →
SoFi Technologies fell very sharply, likely because hotter-than-expected inflation data revived fears of higher interest rates and pressured banks and fintech lenders.
Its drop was far larger than the S&P 500's sharp decline, and it fell more than the Financial Services sector, which also declined clearly.
Trading volume was roughly double its usual level, a sign of heavy selling.
Lending makes up a large share of SoFi's revenue, so investors worry rising rates could squeeze it further, especially for riskier fintechs.
Over the past five trading days the stock fell sharply while the sector rose clearly, so this recent weakness has been company-specific rather than a broad sector move.
−3.61% market −0.06% SoFi fell sharply as analysts cut targets on capital concerns. Read →
SoFi fell sharply as analysts cut targets on capital concerns.
Over the last five trading days SoFi Technologies fell clearly, moving against both a slightly higher broad market and a clearly higher financial-sector group.
A crypto card push in Mexico and new small-business lending are longer-run growth stories that did not offset that pressure.
Watch the late-October earnings report, where consensus looks for revenue growth of about 31% and profit up more than half from a year earlier.
Learn more · Why do stocks go up and down?