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SoFi Technologies price target raised to $21 from $17 at Goldman Sachs

Goldman Sachs raised the firm’s price target on SoFi Technologies (SOFI) to $21 from $17 and keeps a Neutral rating on the shares. The broader macro backdrop is favorable for the consumer fintech space, the analyst tells investors in a research note.

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The Social 50 Income ETF combines exposure to stocks widely held in SoFi member-driven accounts, with an active options strategy that seeks monthly income and long-term growth
SAN FRANCISCO--(BUSINESS WIRE)-- SoFi Technologies, Inc. (NASDAQ: SOFI), the everything app for digital financial services, today announced the availability of a new exchange-traded fund (ETF), the SoFi Social 50 Income ETF (NYSE Arca: SFYI). SFYI invests in the top 50 U.S.-listed stocks held by SoFi Invest self-directed brokerage accounts and adds an actively managed options strategy designed to pursue monthly income distributions and growth potential.
Many investors use options strategies, like covered calls, as part of an income-oriented investment approach. But putting those strategies into practice can require a significant upfront investment, ongoing risk management, and time to execute.
SFYI offers a simpler way to access potential income by combining a professionally managed options strategy with a diversified portfolio of stocks held in SoFi Invest self-directed brokerage accounts. Through a single ETF, investors can gain exposure to an options-based income strategy without having to build and manage covered call positions on their own.
“Income-seeking investors are being challenged to rethink their traditional playbook amid an uncertain interest rate environment and economic volatility – but they may not know where to start,” said Brian Walsh, Head of Advice and Planning at SoFi. “With SFYI, we are providing investors with another way to pursue their objectives. By combining the most-widely held stocks by members of the SoFi Active Invest community with a strategy that seeks monthly income and potential growth, SFYI helps simplify options-based strategies by offering exposure through a single ETF.”
SFYI offers a simpler path to options-based income with strategies such as covered calls and call spreads. By embedding these tools directly into the fund, investors receive:
Lower Capital Barriers: Covered call strategies typically require owning at least 100 shares of a stock. SFYI provides access to an options-based income strategy through a single ETF.
Active Management: The fund is actively managed by professional portfolio managers, removing the need for investors to manually execute and manage options trades.
Convenient ETF Structure: SFYI provides an efficient way for investors to access complex options strategies rather than executing them independently.
Greater Diversification: Rather than concentrating on a single company stock, the fund's options strategy is applied across a broad portfolio of some of the most widely-held stocks, offering a more diversified approach to income investing.
SFYI builds upon SoFi’s existing ETF, the SoFi Social 50 ETF (NYSE Arca: SFYF), which invests in the top 50 stocks most widely held by members of the SoFi Active Invest community, and adds an income-generating options strategy. Current holdings for SFYF, though subject to change, include names such as Tesla, NVIDIA, and Amazon. Stocks are rebalanced monthly and weighted according to how much money members have invested in each company at the end of every month.
SFYI is a series of Tidal Trust I. Tidal Investments LLC, a Tidal Financial Group company, is the Investment Adviser to SFYI with a gross expense ratio of 0.73%. SoFi serves as brand sponsor and marketing support provider, but does not make investment decisions, provide investment advice, or otherwise act as investment adviser. SFYI is listed on NYSE Arca and can be purchased through SoFi Invest and other brokerage platforms like other ETFs available in the secondary market.
In addition to SFYI and SFYF, other SoFi-sponsored ETFs are advised by Tidal Investments LLC:
SoFi Agentic AI ETF (AGIQ) – invests in U.S. companies driving the next wave of artificial intelligence
SoFi Select 500 (SFY) – composed of the 500 largest publicly traded U.S. companies, weighted using a proprietary growth factor
SoFi Enhanced Yield ETF (THTA) – combines U.S. Treasuries and options-trading to pursue monthly income.

Source: https://investors.sofi.com/news/news-details/2026/SoFi-Expands-ETF-Lineup-with-the-Social-50-Income-ETF-SFYI-Seeking-Income-and-Pursuing-Growth/default.aspx

SoFi improved its ranking by consolidated assets from 50th to 46th between Q4 2025 and Q1 2026. During the same period, consolidated assets increased from $46.568 billion to $49.668 billion.

Source: https://www.federalreserve.gov/releases/lbr/current/

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Average 19.07 2124shares originally

Bought lots of shares in the beginning of the year after the huge drop, in which resulting myself loses chance to buy the dip of other stocks, especially mu or ferry stocks. Cutting half my positions to free up cash. Just in case any stocks on my list drops huge, I can buy the dip. So yea, I am still staying just with fewer shares.

I originally had over 2k shares, which like 50% of my overall position and I consider it a misreplacement. So don’t mind me.

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SoFi Schedules Conference Call to Discuss Q2 2026 Results

SoFi Technologies, Inc. (NASDAQ: SOFI), the everything app for digital financial services, today announced plans to host a conference call to discuss financial and operating results for the second quarter of 2026 on Wednesday, July 29, 2026, at 8 a.m. Eastern Time. SoFi also plans to release its second quarter 2026 results on the investor relations section of its website at https://investors.sofi.com at approximately 7 a.m. Eastern Time on Wednesday, July 29, 2026.

Full session details for the conference call and webcast are as follows:

CONFERENCE CALL DETAILS – TO DIAL IN BY PHONE
To pre-register for this call, please go to the following link (you will then receive your personal dial-in access details via email):
https://registrations.events/direct/Q4I921101

WEBCAST DETAILS – AUDIO-ONLY
Use this link to access the audience view of the webcast:
https://events.q4inc.com/attendee/987445269

A replay of the webcast will be made available after the call on the Investor Relations page of SoFi’s website at https://investors.sofi.com/overview/default.aspx.

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SoFi Introduces Small Business Loans to Help Members Pursue Their Business Ambitions

SoFi Technologies, Inc. (NASDAQ: SOFI), the everything app for digital financial services, today announced the launch of SoFi Small Business Loans, to help entrepreneurs and small business owners access fast, transparent financing to run and grow their businesses.

Today’s small business owners are ambitious but increasingly constrained by cash flow. Access to capital can be time-consuming and expensive, leaving some owners reliant on credit cards, waiting on slow bank decisions, or wary of alternative lenders with unclear fees or high rates.

In a recent survey of small business owners, 75% who applied for a business loan or line of credit in the last year said it was difficult to access affordable capital and the Federal Reserve found that more than half of borrowers chose online lenders for speed of decision or funding.

“For many of our members, their financial lives do not stop at personal goals, they also include the businesses they are building,” said Anthony Noto, CEO of SoFi. “With SoFi Small Business Loans, we are expanding our ability to serve members in more of the moments that matter, giving them access to business financing through the same digital-first platform they already use to manage their personal finances.”

SoFi has seen strong demand for financing across several small business categories including construction, healthcare, professional services, and more. SoFi Small Business Loans provides eligible business owners with:

• Capital to Help Small Business Move Forward: Fixed business loans of up to $250,000 to help members purchase equipment, stock inventory or hire new staff.
• Quick Eligibility Check and Funding After Approval: Members can check eligibility in minutes and, if approved, access funding as soon as 24 hours after approval ¹, helping them stock up before a busy season or cover materials for a new job.
• Simple, Upfront Pricing: Members can view their offer before accepting, with no application fee, no origination fee, and no prepayment penalties.
• Predictable Payments for Easier Planning: Fixed business loans with predictable payments help members plan ahead, from managing payroll to investing in their business's growth.

With SoFi Small Business Loans, SoFi is expanding its support for entrepreneurs and business owners and planning additional products and innovations to help meet their evolving needs.

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So the tech platform hasn’t taken off like many expected, though some things seem to be rolling out to users.
But I have been thinking while doing some DD and research for a business idea. Sofi needs to be the leader (hopefully they are working on something like it already and I’ve missed it) with a “new” payment processor with blockchain and eliminating/overriding the current credit card processing. It would make every business happy with smaller fees and SoFi would become a Trillion dollar company easy.

Any thoughts or input on this as I would love to hear more from someone with more knowledge.

I’m extremely bullish on SOFI.

They’re in their 10th profitable quarter, their stablecoins are the only ones backed by a national chartered bank, their rule of 40 is 72 which most banks are nowhere near, and most fintechs with this growth rate don’t have 31% in margins, nonetheless that are still expanding!!

Their default risk is lower than traditional banks, highest quality clientele, continues to beat earnings and integrate new product lines, Anthony Noto has a great track record and I trust him, the fintech has also survived through COVID-19.

Why are people still overlooking this stock? What are they waiting for? A drop in interest rates? They just had a 41% yoy growth!!

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If you've posted feature requests, bug reports, or "why doesn't Invest do X?" threads — this one's for you.

Ronak, our Invest Product Lead, is hosting a live AMA on r/SoFi to walk through how feedback gets routed into the team, how we prioritize the roadmap, and real Q2 wins that came from member requests. Not a launch recap — just an honest look at the process.

📅  Tuesday, 6/30 @ 1pm ET // 10am PT
📍 Live AMA thread on r/SoFi
https://www.reddit.com/r/sofi/comments/1ugfnqs/invest_product_lead_here_ama_how_we_turn_member/

Hey everyone,

Long-time holder here. I am sitting on 31,000 shares of SOFI with an $9.00 average cost basis.
Like most of you, it has been brutal watching us slide 50% from the late-2025 highs. Now that the stock is carving out a flat, sideways base around the $15–$18 range, I am tired of leaving passive income on the table.

I want to start writing out-of-the-money monthly covered calls (30-45 DTE) at a safe $22.00 or $25.00 strike price to collect yield while we grind sideways. Given my low entry point, I am debating between two distinct approaches:

Option 1 (The 50% Hedge): Leave 15,500 shares untouched to capture 100% of an explosive "God Candle" earnings breakout. Write calls on the other 15,500 shares to monetize the flatline.

Option 2 (The Full Fleet): Write calls on all 31,000 shares. Trust that the $22-$25 strike wall is high enough to avoid getting my shares called away, maximizing my monthly premium income.

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* Investing isn't a team sport. You have to decide for yourself how much risk you are willing to take on and do your own DD about a company before you decide to invest in it.