SoFi Technologies, Inc.

Сильный индекс, незначительно упал. Быки в растерянности.

Strong index, slightly down. The bulls are confused.

Сильный индекс, незначительно вырос. Рынок на стороне быков.

Strong index, slightly up. The market is on the bulls' side.

Средний индекс, незначительно вырос. Отток средств из лонгов снизился, но остается значительным.

Medium index, slightly up. The outflow of funds from longs has decreased, but remains significant.

Looking at options trading activity among components of the Russell 3000 index, there is noteworthy activity today in Uber Technologies Inc (Symbol: UBER), where a total volume of 124,735 contracts has been traded thus far today, a contract volume which is representative of approximately 12.5 million underlying shares (given that every 1 contract represents 100 underlying shares). That number works out to 72.5% of UBER's average daily trading volume over the past month, of 17.2 million shares. Particularly high volume was seen for the $72 strike call option expiring October 09, 2026, with 14,690 contracts trading so far today, representing approximately 1.5 million underlying shares of UBER. Below is a chart showing UBER's trailing twelve month trading history, with the $72 strike highlighted in orange:
SoFi Technologies Inc (Symbol: SOFI) saw options trading volume of 323,224 contracts, representing approximately 32.3 million underlying shares or approximately 68.8% of SOFI's average daily trading volume over the past month, of 47.0 million shares. Particularly high volume was seen for the $16 strike call option expiring October 16, 2026, with 20,701 contracts trading so far today, representing approximately 2.1 million underlying shares of SOFI. Below is a chart showing SOFI's trailing twelve month trading history, with the $16 strike highlighted in orange:
And Bloom Energy Corp (Symbol: BE) saw options trading volume of 112,478 contracts, representing approximately 11.2 million underlying shares or approximately 67.2% of BE's average daily trading volume over the past month, of 16.7 million shares. Particularly high volume was seen for the $272.50 strike put option expiring October 09, 2026, with 7,085 contracts trading so far today, representing approximately 708,500 underlying shares of BE. Below is a chart showing BE's trailing twelve month trading history, with the $272.50 strike highlighted in orange:
For the various different available expirations for UBER options, SOFI options, or BE options, visit StockOptionsChannel.com.
Further UBER Research:

Noteworthy Friday Option Activity: UBER, SOFI, BE

Key Points
SoFi’s stock was cut in half over the past year.
But after that pullback, it looks like an attractive growth stock again.
SoFi's (NASDAQ: SOFI) stock closed at a record high of $32.21 on Nov. 12, 2025. That marked a 133% gain over its previous 12 months. But today, the high-growth fintech stock trades at about $15. Let's see why it was cut in half, and why it might be worth nibbling on this month.
How fast is SoFi growing?
SoFi, founded as Social Finance in 2011, originally provided student loans. But over the years, it expanded into a "one-stop shop" for personal loans, auto loans, mortgages, credit cards, insurance plans, estate planning services, and stock and crypto trading services.
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SoFi acquired the digital payment processing company Galileo in 2020 and launched its own digital bank after receiving a U.S. bank charter in 2022. As a digitally native platform, SoFi attracted millions of younger Millennial and Gen Z customers.
At the end of 2021, SoFi had 2.5 million members and 1.9 million products in use. But by the end of the second quarter of 2026, it hosted 15.8 million members, marking 35% growth from a year earlier. Its products in use soared 42% year over year to 24.4 million. Galileo, which operates separately from SoFi's core business, hosts 135 million accounts.
For the full year, SoFi expects its adjusted revenue to grow 32%-35% as its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) margin expands about four to five percentage points to 33%-34%. From 2025 to 2028, analysts expect its revenue and adjusted EBITDA to grow at CAGRs of 27% and 37%, respectively.
Why could SoFi's stock be worth buying today?
With an enterprise value of $17.2 billion, SoFi trades at just 11 times this year's adjusted EBITDA. Two issues are compressing its valuations.
First, the Fed's interest rate hike in September -- its first in three years -- could throttle its lending activity and increase the risk of credit defaults. Second, SoFi is still often valued like a slower-growth conventional bank instead of a higher-growth fintech stock. But at the same time, rising rates are driving investors away from higher-growth stocks.
So when SoFi's enterprise value peaked at $37.9 billion (36 times its 2025 adjusted EBITDA) last November, it became an easy target for the bears. But as long as rising rates don't trigger a recession or credit crunch, they should support SoFi's near-term net interest income.
SoFi looks like an attractive investment at these levels because many investors are overlooking its core strengths. As long as SoFi continues to gain new members and expand its ecosystem, it could command a higher valuation once the macro environment stabilizes.
Should you buy stock in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $375,887!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,459,146!*
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Leo Sun has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.
Founded in 1993 in Alexandria, VA., by brothers David and Tom Gardner, The Motley Fool is a multimedia financial-services company dedicated to building the world's greatest investment community. Reaching millions of people each month through its website, books, newspaper column, radio show, television appearances, and subscription newsletter services, The Motley Fool champions shareholder values and advocates tirelessly for the individual investor. The company's name was taken from Shakespeare, whose wise fools both instructed and amused, and could speak the truth to the king -- without getting their heads lopped off.

Is SoFi Stock a Buy in October 2026?

For Immediate Release
Chicago, IL – September 29, 2026 – Zacks.com announces the list of stocks featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. Stocks recently featured in the blog include: SoFi Technologies SOFI, PayPal PYPL and Block XYZ.
Here are highlights from Monday’s Analyst Blog:
SoFi's Stablecoin Pushes Gains Around: Does It Make SOFI Stock Worth Watching?
SoFi Technologies is trying to become more than a digital lender, and its latest stablecoin moves give that strategy a clearer infrastructure angle. The September launch of the SoFiUSD settlement across Mastercard’s network takes the company from testing blockchain-based payments to using them in a live card program expected to handle more than $25 billion in annualized volume. The development makes the stablecoin story more relevant, even if its direct financial contribution is still early.
SOFI stock, however, has struggled despite the company’s operating momentum. As of Sept. 25, 2026, shares have fallen 36.7% year to date compared with a 5.7% decline for PayPal and a 17.4% gain for Block. The sharp underperformance suggests investors remain cautious about SoFi’s valuation and whether rapid business expansion can translate into sustainable earnings growth.
Meanwhile, the operating backdrop is strengthening. Record member growth, higher product adoption and rising fee-based revenues give SoFi’s newer digital-asset initiatives a larger platform from which to scale.
SoFiUSD Moves Into Live Commercial Settlement
The Mastercard rollout gives SoFiUSD a more meaningful real-world payments use case. SoFi Bank has begun migrating its full debit and credit card program to stablecoin settlement using SoFiUSD, with the program expected to process more than $25 billion in annualized volume.
Transactions are already live on blockchain rails, showing that the initiative has moved into commercial implementation. Merchants do not need to hold stablecoins or build new infrastructure to participate. SoFi is also discussing stablecoin-based settlement with large U.S. merchants, which could broaden adoption beyond its own card program.
Momentum is building on the institutional side as well. Payward will join the SoFi Exchange Network, list SoFiUSD on Kraken and use SoFi’s Big Business Banking capabilities, while SoFi will use Kraken Prime for digital-asset liquidity. In the second quarter, management said roughly $300 million of SoFiUSD was in circulation and that its first commercial clients were moving money in real time through the network. Wider adoption could support both net interest income and additional fee-based revenue opportunities.
SOFI’s Core Results Give New Businesses Room to Develop
The attraction is that SoFi does not need stablecoins to carry the near-term financial story. Second-quarter adjusted net revenues rose 40% year over year to $1.2 billion, adjusted EBITDA reached $358 million at a 30% margin, and fee-based revenues were $472 million, or 39% of adjusted net revenues. Members reached 15.8 million, and products climbed to 24.4 million, with cross-buy improving to 51%. Management also lifted 2026 adjusted net revenue guidance to $4.75 billion-$4.85 billion while maintaining about $1.6 billion of adjusted EBITDA.
This diversification matters. Private-market funds from CAZ Investments and AngelList, SoFi Plus, investing tools, lending and enterprise banking give SoFi more ways to monetize members beyond credit. PYPL remains more concentrated in payments, while XYZ combines Cash App and merchant services. However, SoFi is increasingly blending banking, lending, investing, payments and infrastructure in one model.
SOFI’s Estimate Revisions Depict an Improving Outlook
Over the past 60 days, estimates for SOFI’s 2026 and 2027 EPS have been revised marginally upward. The consensus mark for 2026 and 2027 EPS suggests a year-over-year increase of 53.85% and 35.91%, respectively.
SOFI’s Valuation Still Points to a Premium
On a forward 12-month price-to-sales basis, SOFI continues to trade at a sizable premium to its close fintech peers. SoFi’s P/S F12M is at 3.83X compared with 1.32X for PayPal and 1.63X for Block.
The gap reflects SoFi’s much faster expected revenue growth. Estimates suggest SoFi’s 2026 revenues will increase about 35.52%, with another 20.16% rise expected in 2027, while PayPal’s growth profile is considerably slower.
Still, even after SOFI’s sharp share-price decline this year, investors are paying more than XYZ’s forward sales multiple and PYPL’s. This keeps valuation from looking outright cheap and supports a measured stance, while investors watch whether stablecoin adoption, fee-based revenues and broader platform growth can justify the premium.
What Should Investors Do with SOFI?
SOFI’s steep share-price decline has created a more balanced setup than earlier in the year. The core business continues to post strong revenue growth and improving profitability, while SoFiUSD is gaining real commercial use through Mastercard settlement, Big Business Banking and the Payward partnership.
At the same time, SOFI continues to command a clear valuation premium over PYPL and XYZ, and stablecoin-related revenues remain too early to quantify confidently. For existing investors, keeping current exposure while watching SoFiUSD adoption, fee-based revenue growth and earnings delivery appears reasonable. A stronger case for adding exposure would require further proof that these newer initiatives can materially contribute to profits.
At present, SOFI carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The Zacks Analyst Blog Highlights SoFi Technologies, PayPal and Block

SoFi Technologies SOFI is trying to become more than a digital lender, and its latest stablecoin moves give that strategy a clearer infrastructure angle. The September launch of the SoFiUSD settlement across Mastercard’s network takes the company from testing blockchain-based payments to using them in a live card program expected to handle more than $25 billion in annualized volume. The development makes the stablecoin story more relevant, even if its direct financial contribution is still early.
SOFI stock, however, has struggled despite the company’s operating momentum. As of Sept. 25, 2026, shares have fallen 36.7% year to date compared with a 5.7% decline for PayPal PYPL and a 17.4% gain for Block XYZ. The sharp underperformance suggests investors remain cautious about SoFi’s valuation and whether rapid business expansion can translate into sustainable earnings growth.
Meanwhile, the operating backdrop is strengthening. Record member growth, higher product adoption and rising fee-based revenues give SoFi’s newer digital-asset initiatives a larger platform from which to scale.
Year-to-date Stock Price Performance
SoFiUSD Moves Into Live Commercial Settlement
The Mastercard rollout gives SoFiUSD a more meaningful real-world payments use case. SoFi Bank has begun migrating its full debit and credit card program to stablecoin settlement using SoFiUSD, with the program expected to process more than $25 billion in annualized volume.
Transactions are already live on blockchain rails, showing that the initiative has moved into commercial implementation. Merchants do not need to hold stablecoins or build new infrastructure to participate. SoFi is also discussing stablecoin-based settlement with large U.S. merchants, which could broaden adoption beyond its own card program.
Momentum is building on the institutional side as well. Payward will join the SoFi Exchange Network, list SoFiUSD on Kraken and use SoFi’s Big Business Banking capabilities, while SoFi will use Kraken Prime for digital-asset liquidity. In the second quarter, management said roughly $300 million of SoFiUSD was in circulation and that its first commercial clients were moving money in real time through the network. Wider adoption could support both net interest income and additional fee-based revenue opportunities.
SOFI’s Core Results Give New Businesses Room to Develop
The attraction is that SoFi does not need stablecoins to carry the near-term financial story. Second-quarter adjusted net revenues rose 40% year over year to $1.2 billion, adjusted EBITDA reached $358 million at a 30% margin, and fee-based revenues were $472 million, or 39% of adjusted net revenues. Members reached 15.8 million, and products climbed to 24.4 million, with cross-buy improving to 51%. Management also lifted 2026 adjusted net revenue guidance to $4.75 billion-$4.85 billion while maintaining about $1.6 billion of adjusted EBITDA.
This diversification matters. Private-market funds from CAZ Investments and AngelList, SoFi Plus, investing tools, lending and enterprise banking give SoFi more ways to monetize members beyond credit. PYPL remains more concentrated in payments, while XYZ combines Cash App and merchant services. However, SoFi is increasingly blending banking, lending, investing, payments and infrastructure in one model.
SOFI’s Estimate Revisions Depict an Improving Outlook
Over the past 60 days, estimates for SOFI’s 2026 and 2027 EPS have been revised marginally upward. The consensus mark for 2026 and 2027 EPS suggests a year-over-year increase of 53.85% and 35.91%, respectively.
Image Source: Zacks Investment Research
SOFI’s Valuation Still Points to a Premium
On a forward 12-month price-to-sales basis, SOFI continues to trade at a sizable premium to its close fintech peers. SoFi’s P/S F12M is at 3.83X compared with 1.32X for PayPal and 1.63X for Block.
The gap reflects SoFi’s much faster expected revenue growth. Estimates suggest SoFi’s 2026 revenues will increase about 35.52%, with another 20.16% rise expected in 2027, while PayPal’s growth profile is considerably slower.
Still, even after SOFI’s sharp share-price decline this year, investors are paying more than XYZ’s forward sales multiple and PYPL’s. This keeps valuation from looking outright cheap and supports a measured stance, while investors watch whether stablecoin adoption, fee-based revenues and broader platform growth can justify the premium.
Valuation
What Should Investors Do With SOFI?
SOFI’s steep share-price decline has created a more balanced setup than earlier in the year. The core business continues to post strong revenue growth and improving profitability, while SoFiUSD is gaining real commercial use through Mastercard settlement, Big Business Banking and the Payward partnership.
At the same time, SOFI continues to command a clear valuation premium over PYPL and XYZ, and stablecoin-related revenues remain too early to quantify confidently. For existing investors, keeping current exposure while watching SoFiUSD adoption, fee-based revenue growth and earnings delivery appears reasonable. A stronger case for adding exposure would require further proof that these newer initiatives can materially contribute to profits.
At present, SOFI carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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SoFi's Stablecoin Push Gains Ground: Is SOFI Stock Worth Watching Now?

In this video, I will cover SoFi's (NASDAQ: SOFI) recent stock decline, along with updates on Nu, Robinhood, and Meta Connect. Watch the short video to learn more, consider subscribing, and click the special offer link below.
*Stock prices used were from the trading day of Sep. 24, 2026. The video was published on Sep. 24, 2026.
Missed AI’s "Act 1"? Act 2 Could Be 15x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our analysts, we’re only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Should you buy stock in SoFi Technologies right now?
Before you buy stock in SoFi Technologies, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and SoFi Technologies wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $386,781!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,379,943!*
Now, it’s worth noting Stock Advisor’s total average return is 936% — a market-crushing outperformance compared to 213% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors.
*Stock Advisor returns as of September 25, 2026.
Neil Rozenbaum has positions in Meta Platforms, Nu Holdings, Robinhood Markets, and SoFi Technologies. The Motley Fool has positions in and recommends Meta Platforms and Nu Holdings. The Motley Fool has a disclosure policy. Neil is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through his link, he will earn some extra money that supports his channel. His opinions remain his own and are unaffected by The Motley Fool.
Founded in 1993 in Alexandria, VA., by brothers David and Tom Gardner, The Motley Fool is a multimedia financial-services company dedicated to building the world's greatest investment community. Reaching millions of people each month through its website, books, newspaper column, radio show, television appearances, and subscription newsletter services, The Motley Fool champions shareholder values and advocates tirelessly for the individual investor. The company's name was taken from Shakespeare, whose wise fools both instructed and amused, and could speak the truth to the king -- without getting their heads lopped off.

Is SoFi a Buy After This 40% Drop? Here's My Honest Take

Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel, one standout is the iShares Russell 2500 ETF (Symbol: SMMD) where we have detected an approximate $285.2 million dollar inflow -- that's a 7.5% increase week over week in outstanding units (from 43,750,000 to 47,050,000). Among the largest underlying components of SMMD, in trading today Guardant Health Inc (Symbol: GH) is up about 0.9%, SoFi Technologies Inc (Symbol: SOFI) is off about 0.7%, and TD SYNNEX Corp (Symbol: SNX) is higher by about 5.2%. For a complete list of holdings, visit the SMMD Holdings page » The chart below shows the one year price performance of SMMD, versus its 200 day moving average:
Looking at the chart above, SMMD's low point in its 52 week range is $69.94 per share, with $93.42 as the 52 week high point — that compares with a last trade of $86.42. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average ».
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
Further SMMD Research:

SMMD, GH, SOFI, SNX: Large Inflows Detected at ETF

In this video, I will cover the Fed's first rate hike since 2023 and walk through my portfolio moves across the Magnificent 7, Nebius, SoFi, and Micron (NASDAQ: MU). Watch the short video to learn more, consider subscribing, and click the special offer link below.
*Stock prices used were from the trading day of Sep. 17, 2026. The video was published on Sep. 17, 2026.
Missed AI’s "Act 1"? Act 2 Could Be 15x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our analysts, we’re only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
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Before you buy stock in Micron Technology, consider this:
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Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $386,781!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,379,943!*
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*Stock Advisor returns as of September 25, 2026.
Neil Rozenbaum has positions in Alphabet, Amazon, Meta Platforms, Micron Technology, and SoFi Technologies. The Motley Fool has positions in and recommends Alphabet, Amazon, Apple, Meta Platforms, Micron Technology, Microsoft, Nvidia, and Tesla. The Motley Fool has a disclosure policy. Neil is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through his link, he will earn some extra money that supports his channel. His opinions remain his own and are unaffected by The Motley Fool.
Founded in 1993 in Alexandria, VA., by brothers David and Tom Gardner, The Motley Fool is a multimedia financial-services company dedicated to building the world's greatest investment community. Reaching millions of people each month through its website, books, newspaper column, radio show, television appearances, and subscription newsletter services, The Motley Fool champions shareholder values and advocates tirelessly for the individual investor. The company's name was taken from Shakespeare, whose wise fools both instructed and amused, and could speak the truth to the king -- without getting their heads lopped off.

The Fed Just Hiked Rates. Here's What I'm Buying and Selling Now

Nu Holdings’ NU international expansion is shifting from a market-entry story to a question of how much business it can build outside its core countries. Nu Global lets the company reach customers across more than 35 countries without relying only on local banking operations, widening its cross-border opportunity.
The product targets a sizable market. Nu says more than 300 million people live and work across borders each year, while about $800 billion moved internationally in 2025. Users lose roughly 6%, on average, to fees and exchange-rate margins. Nu Global offers fee-free transfers, plus dollar and euro balances yielding 3.5% and 2.2%, respectively.
Nu is expanding from a stronger base. In the second quarter of 2026, the company had 139 million customers, generated $5.9 billion in gross revenues and crossed $1 billion in quarterly net income for the first time. Deposits reached $45.3 billion, while its efficiency ratio stayed near 20%.
Cross-border services could deepen existing relationships. Nu serves more than 16 million customers in Mexico and more than 5 million in Colombia, while Brazil remains its largest market. Planned integrations with Brazil, Colombia, Mexico and the United States could make Nu Global more useful to customers moving money between markets.
Execution will shape how quickly this opportunity contributes. Nu is still investing in international expansion, with second-quarter operating expenses at $806 million and management expecting an efficiency ratio of about 20% for 2026. In the United States, management expects 12 to 30 months to build confidence in its credit models, suggesting international growth may develop gradually.
Nu Holdings Peers Broaden Their Global Payments Growth Plans
SoFi Technologies SOFI is pushing its payments infrastructure beyond traditional banking. On Sept. 22, SoFi Technologies began stablecoin settlement across Mastercard’s global network, with its $25 billion annualized card program moving to SoFiUSD. The move gives SoFi Technologies another route to scale blockchain-based settlement while keeping its digital banking platform central.
PayPal Holdings PYPL is also widening its cross-border reach. PayPal World now lets U.S. users pay at Weixin Pay merchants in China, while PYUSD is available across 70 markets. With second-quarter payment volume up 10% to $486.4 billion, PayPal has scale to test whether broader interoperability can support international growth over time.
NU’s Price Performance, Valuation and Estimates
Shares of NU have gained 13.6% over the past three months, outperforming the broader industry and the S&P 500 Composite.
From a valuation standpoint, NU trades at a forward price-to-earnings of 13.06X, above the industry’s 11.04X. It carries a Value Score of D.
NU’s estimates for both 2026 and 2027 have increased over the past month. The figures also suggest a year-over-year increase of 38.7% and 35.1%, respectively.
Image Source: Zacks Investment Research
NU stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Nu's Global Strategy Takes Shape: Can Cross-Border Banking Add Growth?

SoFi Technologies SOFI is putting stablecoin settlement into a business that already has meaningful payments scale. SoFi Bank has begun moving its debit and credit card program onto SoFiUSD settlement through Mastercard, with the program expected to process more than $25 billion in annualized volume. Transactions are already live on blockchain rails.
The rollout lands as card activity is accelerating. In second-quarter 2026, SoFi reported more than $28 billion of annualized spend across money and credit cards, while interchange fee revenues rose 67% year over year and 25% sequentially. Credit card revenues also more than doubled from a year earlier. Moving this high-volume transaction flow to SoFiUSD could make settlement faster and more efficient.
SoFiUSD was already being used before the Mastercard launch. During second-quarter 2026, SoFi began settling its crypto trading business in SoFiUSD, while Big Business Banking started processing transactions through the SoFi Exchange Network. Management said these products could create additional fee-based revenues and net interest income over time.
The merchant opportunity could broaden that revenue base. SoFi says businesses using Big Business Banking can receive settlement funds instantly, convert them to cash around the clock and avoid holding stablecoins themselves. The company is also discussing stablecoin-based settlement with large U.S. merchants and exploring cross-border payments and remittances with Mastercard.
The timing matters because SoFi is expanding beyond lending. Second-quarter 2026 adjusted net revenues rose 40% to $1.2 billion, while fee-based revenues reached $472 million, or 39% of total revenues. Financial Services and Technology Platform produced $551 million, or 46% of adjusted net revenues, potentially giving SoFiUSD another route to support that mix.
SoFi Peers Expand Blockchain Payments as Digital Money Grows
PayPal Holdings, Inc. PYPL is also pushing blockchain deeper into payments through PYUSD and its Pay with Crypto service. PayPal Holdings lets U.S. merchants accept crypto from global buyers with local-currency settlement. In second-quarter 2026, PayPal Holdings posted $8.7 billion in revenues, up 5%, while broadening digital-payment options for business customers.
Block, Inc. XYZ is taking a Bitcoin-led approach through Square, which enables eligible U.S. sellers to accept Bitcoin payments and settle in dollars or Bitcoin. Block charges 0% processing through 2026 across its seller network. In second-quarter 2026, Block reported $3.17 billion in gross profit, up 25% year over year.
SOFI’s Price Performance, Valuation and Estimates
Shares of SOFI have gained 2.8% over the past six months, underperforming the broader industry and the S&P 500 Index.
From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 22.68, well above the industry’s 15.63. It carries a Value Score of F.
SOFI’s estimate revisions reflect a favorable trend for full-year 2026. The Zacks Consensus Estimate for full-year 2026 EPS has gained a cent to 60 cents over the past two months.
Image Source: Zacks Investment Research
SOFI stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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SoFi Brings SoFiUSD to Mastercard: Can It Unlock a New Growth Engine?

SoFi Technologies’ SOFI credit performance holds up even as lending activity reached record levels. In the second quarter of 2026, total loan originations climbed 69% year over year to $14.8 billion. Personal loans accounted for $10.7 billion, while student and home loan originations reached $2.7 billion and $1.4 billion, respectively.
The key question is whether credit quality can remain steady as those volumes rise. Excluding the impact of delinquent loan sales, SoFi estimated that the all-in annualized personal-loan net charge-off rate would have been approximately 3.7%, improving 70 basis points (bps) from the previous quarter and 80 bps from a year earlier. Including the impact of delinquent-loan sales, the reported personal loan annualized net charge-off rate fell to 2.62% from 3.03% in the prior quarter.
Delinquency trends also remained controlled. Personal-loan 90-day delinquency stood at 40 bps, down seven bps sequentially, while the student-loan rate was only 11 bps. The student-loan annualized charge-off rate declined to 61 bps from 65 bps in the prior quarter.
SoFi’s lending economics continue to provide room for credit costs. Management said its core personal-loan portfolio generated an approximately 6.1% risk-adjusted margin in the second quarter, based on a 12.9% weighted-average coupon, 3.1% funding cost and 3.7% annualized losses. Lending-adjusted net revenues rose 59% year over year to $712 million.
Still, loan growth means credit trends remain important to watch. SoFi continues to support a 7-8% maximum cumulative net loss assumption for personal loans. Vintages originated from the fourth quarter of 2022 through the third quarter of 2025 had net cumulative losses of 4.68%, with 35% of unpaid principal still outstanding, giving investors another measure to track as the portfolio seasons.
How Are Competitors Faring?
Happen Inc. HAPN competes with SoFi in digital consumer lending, particularly in unsecured personal loans and debt consolidation. Its credit performance has remained resilient, supported by disciplined underwriting and improving loss trends. In the second quarter of 2026, Happen’s net charge-off ratio on total loans and leases held for investment improved to 3.2% from 3.8% a year earlier, reflecting stronger credit performance.
Ally Financial ALLY competes with SoFi across digital banking and consumer lending, led by its auto-finance platform. Improving delinquencies, lower charge-offs and disciplined underwriting indicate resilient borrower performance, while its scale provides diversification across credit cycles. In second-quarter 2026, Ally’s consumer auto net charge-off ratio was 1.6%, versus 1.7% a year earlier.
SOFI’s Price Performance, Valuation and Estimates
Shares of SOFI have gained 0.7% in the past six months, underperforming the broader industry and the S&P 500 Index.
From a valuation standpoint, SOFI trades at a forward price-to-earnings ratio of 22.45X, well above the industry’s 15.63X. It carries a Value Score of F.
SOFI’s estimate revisions reflect a favorable trend for full-year 2026. The Zacks Consensus Estimate for full-year 2026 EPS gained a cent to 60 cents over the past two months.
Image Source: Zacks Investment Research
SOFI stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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