SOFI (SoFi Technologies, NASDAQ) trading $24.60 intraday 29 Jan 2026: Jan 30 earnings could shift analyst targets
SOFI stock is trading at $24.60 intraday on 29 Jan 2026 after a -3.38% move today as investors position ahead of SoFi Technologies’ Jan 30, 2026 earnings call. Volume is 48,776,069 shares versus an average of 58,890,529, showing active trading ahead of the report. Key headline metrics include EPS $0.56, PE 43.89, market cap $30.98B, a 50-day average of $27.08, and a 200-day average of $22.49. We focus this earnings spotlight on how revenue cadence, Galileo/Apex platform growth, and guidance could change valuation and near-term price targets.
SOFI stock: earnings snapshot and timing
SoFi Technologies (SOFI) reports quarterly results on Jan 30, 2026 with the company scheduled to discuss results at 08:30 EST. Expectations center on loan originations, deposit growth in cash management, and Galileo/Apex revenue contribution. The market is pricing sensitivity into guidance after recent volatility: intraday $24.60, day range $24.57–$25.79, and year high $32.73.
Financials and valuation lookahead
Trailing metrics show EPS $0.56, PE 43.89, price-to-sales 7.02, and price-to-book 3.30, pointing to premium fintech multiples. SoFi’s TTM free cash flow per share is negative -1.54, while cash per share is 4.82, so liquidity is a partial buffer to growth spending. Revenue growth was 27.82% for FY 2024, yet operating cash flow per share remains -1.34, which keeps valuation hinged on continued top-line momentum.
Meyka AI rates SOFI with a score out of 100 and forecast
Meyka AI rates SOFI with a score out of 100: 73.31 / 100, Grade B+, Suggestion: BUY. This grade factors in S&P 500 benchmark comparison, sector performance, financial growth, key metrics, and analyst consensus. Meyka AI’s forecast model projects a monthly $23.01, quarterly $27.05, and one-year $41.587 target; the one-year projection implies an upside of 69.02% from $24.60. Forecasts are model-based projections and not guarantees.
Analyst consensus, price targets and market view
Broker tape shows 6 Buys, 4 Holds, 2 Sells with a consensus score of 3.00, indicating mixed sentiment. Short-term technical anchors include the 50-day average $27.08 and 200-day average $22.49; a break above $27.05 (quarterly forecast) would signal tactical upside. Use the company’s revenue growth and Galileo/Apex contract cadence as catalysts that could move analyst price targets after the report.
Technical setup and trading signals
Momentum indicators are neutral: RSI 50.00, MACD histogram 0.11, and ADX 10.29 showing no strong trend. Volatility is reflected in ATR 1.36 and Bollinger band middle $27.01 with lower band $25.42; intraday sellers are testing support near $24.57. Traders should watch volume spikes and on-balance volume 391,766,861 for conviction following earnings.
Risks, opportunities and sector context
SoFi sits in Financial Services, Credit Services sub-industry where peers face interest-rate sensitivity and regulatory scrutiny; this creates both upside from higher net interest margin and downside if originations slow. Key risks are continued negative free cash flow per share -1.54, tight current ratio 0.17, and high PE that assumes sustained growth. Opportunities center on cross-selling financial services, tech-platform deals at Galileo/Apex, and international expansion via Technisys.
Final Thoughts
Key takeaways: SOFI stock trades $24.60 intraday on 29 Jan 2026 with heavy attention on the Jan 30 earnings release that can move multiples. Fundamentals show strong revenue growth 27.82% but negative free cash flow per share -1.54, producing a premium valuation at PE 43.89 and price-to-sales 7.02. Meyka AI’s forecast model projects a one-year target of $41.587, implying +69.02% upside versus current price; shorter-horizon monthly and quarterly projections are $23.01 and $27.05 respectively. Meyka AI’s B+ grade (73.31/100) reflects growth potential offset by cash-flow and valuation risk. Investors should weigh guidance on loan originations, deposit trends, and Galileo/Apex contract commentary in the earnings call, use confirmed volume and a move above $27.05 for tactical entries, and treat model outputs as probabilities, not guarantees. Meyka AI, an AI-powered market analysis platform, flags both opportunity and volatility in SOFI stock ahead of the print.
FAQs
When does SoFi (SOFI) report earnings and what matters most?
SoFi reports on Jan 30, 2026 at 08:30 EST. Investors will focus on loan originations, deposit growth, Galileo/Apex revenue, and forward guidance for margins and expenses.
What is Meyka AI’s short and one-year SOFI stock forecast?
Meyka AI’s forecast model projects monthly $23.01, quarterly $27.05, and one-year $41.587, implying about +69.02% upside versus the current $24.60. Forecasts are projections, not guarantees.
What are the main risks to SOFI stock after earnings?
Main risks include weaker-than-expected originations, slower Galileo/Apex growth, continued negative free cash flow per share -1.54, and guidance that fails to support current multiples.
How should traders use technical signals for SOFI stock post-earnings?
Watch volume spikes and a breakout above $27.05 (quarterly forecast) for bullish confirmation; monitor RSI near 50 and support at $24.57 for risk management.
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.
