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SoFi Technologies Stock Surges: Q4 Wins Spark Analyst Upgrades

Ellis HobbsAvatar
Written by Ellis Hobbs Reviewed by Matt Monaco Fact-checked by Bryce Tuohey
Updated 2/9/2026, 2:32 pm ET 2/9/2026, 2:32 pm ET | 5 min 5 min read
SoFi Technologies Stock Surges: Q4 Wins Spark Analyst Upgrades Thumbnail

SoFi Technologies Inc. stocks have been trading up by 3.14 percent, buoyed by positive market sentiment.

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Live Update At 14:32:19 EST: On Monday, February 09, 2026 SoFi Technologies Inc. stock [NASDAQ: SOFI] is trending up by 3.14%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Financial Overview

SoFi Technologies is enjoying a moment of triumph. With its fourth-quarter (Q4) outcomes far exceeding expectations, the firm recorded an earnings per share (EPS) of $0.13, not just surpassing last year’s $0.05, but also beating analysts’ consensus. The revenue for Q4 touched $1.03B, surpassing the predicted $982.39M—a substantial leap indicating significant expansion.

The Q4 triumph was not just about financial metrics; it represented milestones. For the first time, the company crossed the $1 billion quarterly revenue mark. Additionally, over 1 million new members joined in, augmenting SoFi’s total membership to 13.7 million—up by 35% from the previous year. Innovations in blockchain and crypto trading also emphasize their commitment to groundbreaking fintech solutions.

The optimism extends into SoFi’s guidance for fiscal year 2026. The firm projects a revenue of approximately $4.66 billion, surpassing even the daring estimates, fueled by a target of roughly 30% yearly growth in revenue and a robust uplift in membership numbers.

From financial statements, it’s clear that SoFi’s value proposition remains compelling with an enterprise valuation that’s being propelled by the confidence in its business model. With a price-to-earnings ratio of 37.25, their forward outlook suggests bullish sentiments are sustaining investor interest.

Market Reactions and Economic Landscape

The stock market response was immediate. SoFi’s shares jumped past 5% as markets absorbed the earnings results. Investor confidence is seemingly invoked by impressive lending growth in the core business and a rapidly scaling capital-light loan platform. This uplift has inspired several analysts to upgrade ratings and reassess price targets upwards.

Following the earnings announcement and forecasts, analysts like Reginald Smith from JPMorgan, who recently upgraded the company from Neutral to Overweight with a price target held steady at $31, see opportunity amid recent selloffs. Already, SoFi’s record results have led them to mark current stock price dips as attractive entry points, recognizing the potential for huge gains on the horizon.

More Breaking News

Despite a few cautious outlooks, like from Deutsche Bank lowering its target to $26, the overall sentiment remains positive. Needham’s reduction in their price target from $36 to $33 still maintains a strong ‘Buy’ stance, reflecting faith in SoFi’s expansive lending model. Mizuho also flagged its confidence with an Outperform rating and a price target of $38 reflecting the strong quarter.

Investor Confidence on the Rise

For the average investor, the story is increasingly one of confidence. SoFi Technologies is proving itself quite adept at navigating the turbulent waters of the fintech industry. The strategic moves to bolster their financial strength—an increasing ebitda margin to 31% and growing a 55% incremental EBITDA—underscore their capability to deliver substantial value.

Investments in new technologies and financial products continue to capture the market’s imagination. SoFi’s growth trajectory, focusing on profitability while avoiding risky investment opportunities, is building an optimistic narrative around this stock.

The company’s prowess can also be seen in the broader brushstrokes of their financial health. The ebit margin may still appear modest but is complemented by a profitable margin which uniquely positions the firm as it heads towards the prospects of 2026.

Conclusion

In conclusion, SoFi Technologies is not just marking time; it is charting a vibrant course into the future. Their recent earnings and optimistic projections for 2026 offer both a sense of achievement and ambition. As the market reacts and adapts to these financial turnarounds, SoFi’s narrative of growth and potential only solidifies, making them an intriguing spotlight for traders and market analysts alike. As millionaire penny stock trader and teacher Tim Sykes says, “The goal is not to win every trade but to protect your capital and keep moving forward.” The road is long, and traders’ eyes will be keenly fixed to see if they can maintain the pace. Nonetheless, current trends suggest their path is one of an unstoppable advance in the world of digital finance.

This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Our content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. Readers come to us for detailed coverage on earnings reports, mergers, FDA approvals, new contracts, and unusual trading volumes that can trigger significant short-term price action. Some users utilize our news to explain sudden stock movements, while others rely on it for diligent research into potential investment opportunities.

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Ellis Hobbs

Trainer and Mentor on Tim Sykes’ Trading Challenge
He teaches webinars on Tim Sykes’ Trading Challenge He treats trading like a business, not a hobby He emphasizes taking small risks — “If you get the process right, money is a forgone conclusion.”
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* Results are not typical and will vary from person to person. Making money trading stocks takes time, dedication, and hard work. There are inherent risks involved with investing in the stock market, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk. See Terms of Service here

The available research on day trading suggests that most active traders lose money. Fees and overtrading are major contributors to these losses.

A 2000 study called “Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors” evaluated 66,465 U.S. households that held stocks from 1991 to 1996. The households that traded most averaged an 11.4% annual return during a period where the overall market gained 17.9%. These lower returns were attributed to overconfidence.

A 2014 paper (revised 2019) titled “Learning Fast or Slow?” analyzed the complete transaction history of the Taiwan Stock Exchange between 1992 and 2006. It looked at the ongoing performance of day traders in this sample, and found that 97% of day traders can expect to lose money from trading, and more than 90% of all day trading volume can be traced to investors who predictably lose money. Additionally, it tied the behavior of gamblers and drivers who get more speeding tickets to overtrading, and cited studies showing that legalized gambling has an inverse effect on trading volume.

A 2019 research study (revised 2020) called “Day Trading for a Living?” observed 19,646 Brazilian futures contract traders who started day trading from 2013 to 2015, and recorded two years of their trading activity. The study authors found that 97% of traders with more than 300 days actively trading lost money, and only 1.1% earned more than the Brazilian minimum wage ($16 USD per day). They hypothesized that the greater returns shown in previous studies did not differentiate between frequent day traders and those who traded rarely, and that more frequent trading activity decreases the chance of profitability.

These studies show the wide variance of the available data on day trading profitability. One thing that seems clear from the research is that most day traders lose money .

Millionaire Media 66 W Flagler St. Ste. 900 Miami, FL 33130 United States (888) 878-3621 This is for information purposes only as Millionaire Media LLC nor Timothy Sykes is registered as a securities broker-dealer or an investment adviser. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. Millionaire Media LLC and Timothy Sykes cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Millionaire Media LLC and Timothy Sykes in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in communications or websites. In addition, Millionaire Media LLC and Timothy Sykes accepts no liability whatsoever for any direct or consequential loss arising from any use of this information. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor. Past performance is not necessarily indicative of future returns.

Citations for Disclaimer

Barber, Brad M. and Odean, Terrance, Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors. Available at SSRN: “Day Trading for a Living?”

Barber, Brad M. and Lee, Yi-Tsung and Liu, Yu-Jane and Odean, Terrance and Zhang, Ke, Learning Fast or Slow? (May 28, 2019). Forthcoming: Review of Asset Pricing Studies, Available at SSRN: “https://ssrn.com/abstract=2535636”

Chague, Fernando and De-Losso, Rodrigo and Giovannetti, Bruno, Day Trading for a Living? (June 11, 2020). Available at SSRN: “https://ssrn.com/abstract=3423101”