SOFI

SoFi Technologies is expected to report Q3 2026 earnings on October 27 with consensus estimates of $0.17 EPS (up 54.6% YoY) and $1.26B in revenues (up 32.4% YoY). The stock has a positive Earnings ESP of +2.42% combined with a Zacks Rank #3, suggesting a likely earnings beat. The company has beaten consensus estimates in 3 of the last 4 quarters.

PayPal and SoFi Technologies represent different stages of fintech maturity. PayPal dominates global payments with 439 million active accounts and a 15.8% net margin but faces slow 4.3% revenue growth.

SoFi has evolved into a full-service digital bank with impressive 28.8% revenue growth and a new stablecoin settlement model, though it carries a higher valuation multiple. While PayPal trades at a cheaper valuation (P/E 10.68), SoFi offers better growth potential despite neither stock appearing especially compelling compared to broader market performance.

SoFi Technologies (SOFI) closed at $14.30, down 1.72% while the S&P 500 gained 0.41%. The stock has lost 14.21% over the past month, underperforming the broader market.

Upcoming earnings on October 27, 2026 are expected to show strong growth with EPS up 54.55% and revenue up 32.36% year-over-year. However, the stock carries a Zacks Rank of #3 (Hold) with a premium Forward P/E ratio of 24.27 compared to its industry average of 10.82.