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On Tuesday, Goldman Sachs reaffirmed a Neutral rating on SoFi Technologies (NASDAQ:SOFI) with a steady price target of $9.50. The decision follows the company’s recent financial performance, which included a beat on both Lending and Financial Services. According to InvestingPro data, SoFi’s stock, currently trading at $13.20, appears overvalued compared to its Fair Value, despite showing impressive growth with an 87.37% return over the past year. SoFi’s first-quarter earnings before interest, taxes, depreciation, and amortization (EBITDA) of $210 million surpassed Goldman Sachs and consensus estimates, which stood at $192 million and $180 million respectively.
SoFi Technologies reported a robust quarter, with Financial Services contribution profit reaching $148 million, outdoing Goldman Sachs and consensus expectations of $137 million and $125 million. Technology segment profit matched predictions at $31 million, while the Lending division’s contribution profit of $239 million exceeded forecasts. The company’s strong performance is reflected in its impressive revenue growth of 27.82% over the last twelve months, though it currently trades at a relatively high P/E ratio of 28.48. Loan originations totaled $7.2 billion, slightly missing Goldman Sachs’s projection of $7.5 billion but surpassing the consensus estimate of $6.5 billion.
The company’s credit performance showed signs of strength, with on-balance sheet 90-day delinquencies for Personal loans declining from 55 basis points to 46 basis points quarter-over-quarter, and remaining stable for Student loans at 13 basis points. Capital markets activity continued to demonstrate vigor during the quarter. For deeper insights into SoFi’s financial health and detailed metrics, InvestingPro subscribers can access comprehensive analysis and 13 additional ProTips about the company’s performance and valuation.
SoFi’s guidance for the second quarter of 2025 indicates revenues between $785 million and $805 million, which aligns closely with the consensus of $787 million. EBITDA is expected to be between $200 million and $210 million, with consensus at $208 million, and earnings per share (EPS) forecasted at $0.05 to $0.06. The company has raised its guidance for the year 2025, with revenue projections increased to a range of $3.235 billion to $3.310 billion, EBITDA expectations lifted to $875 million to $895 million, EPS anticipated to be between $0.27 and $0.28, and tangible book value (TBV) growth estimated at $585 million to $600 million. To access the complete Pro Research Report on SoFi and evaluate its growth potential against peers, visit InvestingPro.
In other recent news, SoFi Technologies reported first-quarter results that exceeded expectations, leading to an upward revision of its full-year guidance. The company posted adjusted earnings per share of $0.06, surpassing analyst estimates of $0.04. Revenue for the quarter reached $771.8 million, beating expectations of $740.3 million and marking a 33% increase from the previous year. SoFi added a record 800,000 new members, bringing its total membership to 10.9 million, a 34% increase year-over-year. The lending segment’s net revenue rose by 25% to $413.4 million, while the financial services segment more than doubled its revenue to $303.1 million. The technology platform also saw growth, with revenue increasing by 10% to $103.4 million. For the full year 2025, SoFi raised its revenue guidance to a range of $3.235-$3.31 billion, exceeding the previous range and analyst estimates. The company also adjusted its expected EBITDA to $875-$895 million, up from prior guidance.
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