Now: All Under $20 Per Share[Eric Bleeker | Feb 19, 2026 at 12:47 PM EST Companies trading under $20 per share often draw institutional and retail investor attention. People like cheap stocks. If you're looking for some…]## SoFi Technologies Reverses Course and Falls After Beat-and-Raise Q4[Rich Duprey | Jan 30, 2026 at 11:26 AM EST SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) reported impressive fourth- quarter 2025 earnings this morning, significantly exceeding Wall Street estimates and…]## Nea ...

Core Insights - SoFi Technologies reported a significant increase in profitability and revenue, achieving over $1 billion in adjusted net revenue for the first time, driven by steady loan activity and growth in fee-based operations [1][2][8] Financial Performance - Adjusted net revenue reached approximately $1.013 billion, a 37% increase year-over-year [2] - Adjusted earnings per share doubled to 13 cents from 5 cents a year ago, with GAAP net income at $174 million [5] - Adjusted EBITDA rose 60% to $318 million, achieving a 31% margin, marking the ninth consecutive profitable quarter [5] Revenue Segments - Fee-based revenue surged 53% year-over-year to a record $443 million, contributing significantly to overall revenue [2][3] - The Financial Services segment, including credit cards and investing products, saw revenue increase by 78% to about $457 million [3] - Total loan originations reached a record $10.5 billion, up 46% from the previous year, with strong demand for personal, student, and home loans [4] User Growth and Engagement - SoFi added 1 million new members in the quarter, bringing the total to 13.7 million, a 35% year-over-year increase [6] - Product relationships expanded 37% to 20.2 million, with a cross-buy rate of 40%, indicating increased customer engagement [6] Strategic Outlook - The company projects at least 30% annual revenue growth through 2028, supported by innovation in payments, crypto, and business banking [8] - CEO Anthony Noto highlighted the resilience provided by fee-based growth amid potential regulatory changes [7]

Core Insights - Fintech is a rapidly evolving sector, with SoFi Technologies and Nu Holdings as prominent players, showcasing the shift towards digital-first banking solutions [1][2] SoFi Technologies (SOFI) - SoFi has expanded its services from student loan refinancing to a comprehensive suite including lending, investing, and banking [1] - In Q3 2025, SoFi reported record adjusted EBITDA of $277 million with a 29% margin, and non-lending revenues increased by 57% year over year [3] - The lending segment generated $481 million in revenues, a 23% increase from the previous year, with total loan originations reaching $9.9 billion, up 57% year over year [3] - SoFi raised $1.7 billion in new capital and increased total deposits by $3.4 billion to $32.9 billion, enhancing funding stability [4] - The company anticipates adding approximately 3.5 million members, reflecting a 34% growth rate, up from an earlier forecast of 30% [5] - Adjusted net revenue is projected at $3.54 billion, indicating a 36% year-over-year growth, surpassing the previous estimate of $3.375 billion [6] - Adjusted EBITDA is now guided to $1.035 billion, with adjusted net income expected at $455 million and adjusted EPS of $0.37 [6] - SoFi's tangible book value growth is forecasted at $2.5 billion, significantly above the earlier target of $640 million, indicating enhanced capital strength [6] - The company is embedding blockchain technology into cross-border payments, aiming to provide faster and cheaper international remittances [9] - SoFi's valuation reflects strong growth potential, with a forward P/E of 46.33X, justified by its accelerating profitability and diversified services [21] Nu Holdings (NU) - Nu Holdings has expanded its customer base to 127 million, adding over 4 million new users in Q3 2025, with an activity rate above 83% [11] - The company achieved a 39% year-over-year revenue growth on a currency-neutral basis, reaching $4.2 billion [12] - Nu's revenue model focuses on high-engagement products, avoiding high-risk credit, which helps stabilize performance during economic fluctuations [13] - The technology-led platform allows for efficient scaling of revenues, translating additional product sales into operating leverage [14] - Nu Holdings is projected to achieve a sales growth of about 36% and an EPS growth of 31%, trailing SoFi's projected EPS growth [18] Comparative Analysis - Both SoFi and Nu Holdings are recognized as high-quality fintech platforms with strong execution [7][22] - SoFi is viewed as the better investment currently due to its transition from growth to scalable profitability, supported by a diversified ecosystem [22] - SoFi's improving operating leverage and expanding fee-based revenues provide clearer visibility into sustainable earnings power compared to Nu Holdings [22]

Core Viewpoint - The Toronto-Dominion Bank (TD) is recognized as a strong investment opportunity, particularly due to its recent dividend increase and positive earnings outlook despite challenges in the operating environment [1][4]. Group 1: Dividend and Earnings Performance - On December 4, TD announced a 3% increase in its quarterly dividend to C$1.08 per share, reflecting management's confidence in the bank's growth and earnings potential [3][5]. - TD's earnings have improved, driven by stronger capital markets activity and solid volume growth in Canadian banking, with an expectation of adjusted earnings per share growth between 6% and 8% in fiscal 2026 [4]. Group 2: Analyst Upgrades and Market Position - National Bank analyst Gabriel Dechaine upgraded TD to Outperform from Sector Perform, setting a price target of C$134 [2]. - TD maintains a capital position well above regulatory minimums, which is a positive indicator of its financial health [4]. Group 3: Management and Strategic Focus - Raymond Chun, the new president and CEO, is focused on cutting expenses and enhancing anti-money-laundering controls following a historic settlement with US authorities [5]. - The bank offers a diverse range of products and services, including investing, mortgages, everyday banking, and small business solutions, supported by its online banking platform [6].

Company Overview - Wealthfront is going public on NASDAQ under the ticker symbol WLTH, pricing its IPO at $14 per share, which is the top end of the expected range [1] - The company serves over 1.3 million customers across various financial products including savings, investing, borrowing, and planning [3] Customer Profile - The customer base has evolved from primarily young software engineers to a more diverse demographic, including mid-30s to early 40s professionals [3] - The median age of new clients joining the platform in recent years is 23 to 24 years old, indicating a younger generation is still engaging with the platform [9] Business Strategy - Wealthfront has maintained profitability since the breakup of a deal with UBS, achieving over 40% monthly Ubida margins [5] - The company focuses on long-term sustainable growth rather than catering to speculative trading, aligning with a philosophy of diversified, tax-efficient investing [8][11] Market Position - Wealthfront differentiates itself as a tech-first platform, aiming to provide a seamless digital experience that meets the needs of modern consumers [12][13] - The company emphasizes the importance of a user-friendly digital interface that operates consistently across different times of the day, catering to the lifestyle of its target demographic [14]

Core Viewpoint - Wealthfront is preparing for an initial public offering (IPO) aiming for a valuation of up to $2.05 billion and plans to raise $485 million by offering shares priced between $12 and $14 each [1][2]. Group 1: IPO Details - Wealthfront will issue 21,468,038 shares, while existing stockholders will offer 13,147,346 shares, with the company not receiving proceeds from the latter [2]. - The IPO is contingent upon the effectiveness of the registration statement filed with the SEC, and no sales will occur until it is effective [2]. - Underwriters have a 30-day option to purchase an additional 5,192,308 shares at the IPO price, minus underwriting discounts and commissions [3]. Group 2: Underwriters and Management - Goldman Sachs & Co and JP Morgan are the lead book-running managers for the IPO, with Citigroup, Wells Fargo Securities, and RBC Capital Markets as active book-running managers [3]. - Citizens Capital Markets, Keefe, Bruyette & Woods, A Stifel Company, and KeyBanc Capital Markets are acting as co-managers for the offering [3]. Group 3: Company Background - Founded in 2008, Wealthfront is a technology-driven financial platform that provides investing, borrowing, cash management, and financial planning solutions [4]. - The company utilizes automation to deliver low-cost diversified portfolios and aims for rapid and convenient service delivery [4]. - In January 2022, UBS intended to acquire Wealthfront for up to $1.4 billion in cash, but the deal was mutually terminated later that year [4].

Core Viewpoint - Wealthfront has initiated the roadshow for its proposed initial public offering (IPO) of common stock, filing a registration statement with the SEC to offer 34,615,384 shares to the public, with an expected price range of $12.00 to $14.00 per share [1]. Group 1: IPO Details - The offering includes 21,468,038 shares from Wealthfront and 13,147,346 shares from existing stockholders, with Wealthfront not receiving proceeds from the latter [1]. - Wealthfront plans to grant underwriters a 30-day option to purchase an additional 5,192,308 shares at the IPO price, less underwriting discounts and commissions [1]. - The company has applied to list its common stock on the Nasdaq Global Select Market under the ticker symbol "WLTH" [1]. Group 2: Underwriters - Goldman Sachs & Co. LLC and J.P. Morgan are the lead book-running managers for the offering [1]. - Citigroup, Wells Fargo Securities, and RBC Capital Markets are acting as active book-running managers, while Citizens Capital Markets, Keefe, Bruyette & Woods, A Stifel Company, and KeyBanc Capital Markets are co-managers [1]. Group 3: Company Overview - Wealthfront is a tech-driven financial platform that assists digital natives in turning their savings into wealth [4]. - The company offers a broad suite of products, including cash management, investing, borrowing, and financial planning solutions, catering to diverse client needs [4]. - Wealthfront is known for pioneering automation to provide low-cost diversified portfolios, leveraging its software-driven platform for quick and convenient solutions [4].

Core Insights - SoFi Technologies (SOFI) stock is demonstrating strong price performance, remaining above key moving averages and showing signs of accumulation [1][7] - The company does not pay dividends, but investors can create their own income through options strategies [1][6] Options Strategy - A covered call strategy involves buying 100 shares of SoFi and selling a call option, which generates income through option premiums [2][4] - Selling a long-term call option with a strike price of $35, expiring on September 18, 2026, can yield a premium of approximately $660 per contract, reducing the net cost of the investment [4][5] - This strategy results in a yield of 27.6% over 311 days, or 32.3% annualized, which is competitive compared to current market dividend yields [5] Performance Metrics - If SoFi stock closes above $35 at expiration, the total return could reach 46.4%, or 54.3% annualized [5] - If the stock closes below $35, investors can continue to generate income by selling additional call options [6] Company Overview - SoFi Technologies is ranked second in its group by Investor's Business Daily, with a Composite Rating of 95, an Earnings Per Share Rating of 80, and a Relative Strength Rating of 95 [7] - The company offers a range of digital financial services, including lending, investing, banking, and insurance, aimed at helping members achieve financial independence [7][8]

Core Insights - SoFi Technologies, Inc. (NASDAQ:SOFI) has been recognized for its strong performance and has developed a reputation for consistently outperforming estimates [1][2] - The recent rally in SoFi's stock is attributed to genuinely impressive financial results, indicating that the company is not finished with its upward trajectory [1] Company Overview - SoFi Technologies, Inc. provides a range of digital financial services, including lending, investing, and banking products, aimed at helping members manage their finances effectively [2] Investment Perspective - While SoFi shows potential as an investment, there are opinions suggesting that certain AI stocks may offer greater upside potential with less downside risk [3]

Company Overview - SoFi Technologies, Inc. (NASDAQ:SOFI) offers a wide range of financial services, including lending, banking, investing, credit cards, insurance, and financial management tools [2]. Investment Insights - Jim Cramer highlighted SoFi as a strong investment, recalling that it was recommended at a price of $4, indicating confidence in its potential [1]. - Cramer advised against buying back into SoFi immediately after booking profits, emphasizing the importance of not turning a great investment into a bad trade [1]. Market Context - There is a recognition of the potential of SoFi as an investment, but some analysts suggest that certain AI stocks may offer greater upside potential and carry less downside risk [3].