SOFI (SoFi Technologies, Inc.) NASDAQ pre-market Jan 27 2026: Jan 30 earnings in focus
SoFi Technologies, Inc. (SOFI) trades pre-market at $25.80 in the United States on NASDAQ ahead of its Jan 30, 2026 earnings release. SOFI stock is near its 50-day average of $27.32 and a year high of $32.73. Volume is modest at 36,320,327 shares so far. We use Meyka AI-powered market analysis platform data to isolate the key earnings catalysts that can move the share price in the short term.
Pre-market snapshot and trading setup for SOFI stock
SOFI stock opened at $25.90 with a day low of $25.77 and a day high of $26.40. The stock shows a one-day change of -0.05 and a relative volume of 0.57 versus an average volume of 62,022,303. Technical indicators show RSI 50.00 and Bollinger middle band $27.01, so the market is neutral ahead of earnings.
Earnings preview and catalysts for SoFi Technologies, Inc.
SoFi reports on Jan 30, 2026 at 08:30 ET. Investors will focus on revenue growth, margin trends across Lending and Technology Platform, and forward guidance. Management commentary on product adoption, deposit growth and Galileo/Apex contract wins would be immediate catalysts for SOFI stock movement.
Valuation and core financial metrics affecting SOFI stock
SoFi shows EPS 0.56 and PE 46.07, with market cap around $32.52B. Key ratios: price-to-sales 7.36, price-to-book 3.46, return on equity 8.88% and debt-to-equity 0.32. Cash per share is 4.82 while free cash flow per share is negative at -1.54, a reminder liquidity and cash conversion remain watch items.
Analyst consensus, price targets and what they mean for SOFI stock
Wall Street shows mixed views: the consensus sits near a Hold with an average price target $25.50. Notable targets range from $18.00 to $38.00 in recent reports. Upgrade/downgrade counts show 6 Buys, 4 Holds, 2 Sells, so any beat or miss on Jan 30 could compress that dispersion and move SOFI stock toward the nearer-term mean target.
Technical view and short-term trading levels for SOFI stock
Technicals point to support around the Bollinger lower band $25.42 and resistance at the upper band $28.60. The 50-day average sits near $27.32 and the 200-day average at $22.34. Short-term traders should watch ATR 1.36 and on-balance volume of 391,766,861 for conviction on any breakout ahead of earnings.
Meyka stock grade and model outlook for SoFi Technologies, Inc.
Meyka AI rates SOFI with a score out of 100: 73.31/100 (Grade B+, Suggestion: BUY). This grade factors in S&P 500 comparison, sector performance, financial growth, key metrics, and analyst consensus. Meyka AI’s forecast model projects a monthly price $26.74, a quarterly price $30.54, and a yearly price $26.38. Forecasts are model-based projections and not guarantees.
Final Thoughts
Key takeaways: SOFI stock trades at $25.80 pre-market with earnings due Jan 30, 2026. The company reports solid revenue growth history but carries a high PE 46.07 and negative free cash flow per share -1.54. Analysts remain mixed with an average target $25.50, while Citigroup and Mizuho have higher targets near $37.00 and $38.00 respectively. Meyka AI’s forecast model projects a yearly target of $26.38, implying an upside of approximately 2.26% versus the current price $25.80. A quarterly projection of $30.54 implies a larger upside of 18.38% but carries greater model risk. For traders, watch revenue, net margin and deposits on the call. For longer-term investors, monitor cash conversion and Galileo/Apex contract momentum. Forecasts are model-based projections and not guarantees. For timely reference see the NASDAQ quote and MarketBeat coverage source and source. Meyka AI provides this analysis as an AI-powered market analysis platform; grades are informational and not investment advice.
FAQs
When does SoFi report earnings and how can it move SOFI stock?
SoFi reports earnings on Jan 30, 2026 at 08:30 ET. Revenue upside, margin improvement, or stronger guidance could lift SOFI stock. A miss on guidance or slowing deposits could press the shares lower.
What valuation metrics should I watch for SOFI stock after earnings?
Key metrics: PE 46.07, price-to-sales 7.36, EPS 0.56, and cash per share 4.82. Watch free cash flow per share and guidance for next fiscal year to assess re-rating potential for SOFI stock.
How does Meyka AI view SOFI stock right now?
Meyka AI rates SOFI with 73.31/100 (B+, BUY) and projects a yearly price $26.38. This grade combines benchmark comparisons, sector analysis, growth and analyst consensus. Grades are informational, not advice.
What are realistic near-term price targets for SOFI stock?
Near-term scenarios: conservative $24.00, base $30.00, bull $38.00. A beat on Jan 30 could push price quickly to the base target; a miss could test the lower support near $25.42.
Disclaimer:
Stock markets involve risks. This content is for informational purposes only. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.
