SoFi Stock Slips Ahead Of Robinhood Earnings: What To Know

SoFi Technologies Inc (NASDAQ:SOFI) stock is trading marginally lower Tuesday afternoon, dropping despite a lack of fresh company-specific headlines after a volatile stretch over the past two weeks. Here’s what investors need to know.

• SoFi Technologies stock is trending lower. Why is SOFI stock trading lower?

Earnings Beat, Guidance Sparks Volatility

Tuesday’s pullback follows a late-January earnings beat in which the fintech reported fourth-quarter earnings of 13 cents per share, topping Wall Street's 12-cent consensus, while revenue climbed about $274 million year-over-year.

Management paired the results with an ambitious 2026 outlook calling for roughly 30% adjusted net revenue growth, about 34% adjusted EBITDA margins and approximately 60 cents in adjusted EPS.

That strong guide initially sent shares sharply higher before profit-taking set in and the stock gave back a chunk of its post-earnings surge.

Analysts Still See Upside For SoFi Stock

Since the report, Wall Street has grown more constructive. JPMorgan Chase upgraded SoFi to Overweight with a $31 price target, arguing that "momentum in the business is undeniable" as the company continues to add members and deposits at a record pace and lifting its 2026–2027 EPS estimates.

Citizens Financial Group followed with an Outperform rating and $30 target, highlighting 35% year-over-year membership growth, nine straight quarters of GAAP profitability and more than $3 billion in incremental capital raised.

Why Robinhood Earnings Matter For SoFi Stock

Traders and investors are now watching Robinhood Markets Inc’s (NASDAQ:HOOD) earnings after the bell Tuesday for clues about the broader app-based trading and digital-banking backdrop. Both platforms target similar, digitally native retail investors and generate revenue from investing, cash management and crypto.

Strong Robinhood numbers on customer growth, trading activity or cash balances could reinforce the bullish case for SoFi's own investing and banking franchises, while weaker metrics might pressure sentiment across the fintech peer group even without new SoFi news.

Technical Picture Mixed For SoFi

Technical indicators reveal that SoFi is currently trading 12.4% below its 20-day simple moving average (SMA) and 21.8% below its 100-day SMA, showcasing a challenging short-term outlook.

However, shares have increased 40.69% over the past 12 months, positioning them closer to their 52-week highs than lows, which may attract long-term investors.

The RSI is at 34.93, indicating neutral momentum, while the MACD is below its signal line, suggesting bearish pressure on the stock.

This combination reflects a mixed momentum scenario, as the stock navigates through potential resistance levels.

• Key Resistance: $22.50
• Key Support: $20.00

SoFi Shares Edge Lower Tuesday Afternoon

SOFI Price Action: SoFi Technologies shares were down 0.89% at $21.17 at the time of publication on Tuesday, according to Benzinga Pro data.

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