NEW YORK, June 25, 2026, 05:05 (EDT)
- SoFi shares ended Wednesday at $17.31, off the session high of $18.43. Trading volume finished 74% higher than the 65-day average, according to .
- The stock crossed FactSet’s $18 median target during the session but finished 3.8% under that level.
- SoFi gets a new AI investing product with the Composer deal. But Wall Street’s 2026 EPS estimates haven’t moved in the last month.
SoFi Technologies, Inc. (NASDAQ:SOFI) slipped after a brief surge tied to its Composer AI deal. The stock jumped past the median Wall Street target, touching $18.43 on Wednesday, but couldn’t keep the gain. SOFI ended at $17.31, up 0.12%. Volume ran heavy at 119.99 million shares, well above the 65-day average of 69.04 million, according to WSJ/FactSet.
The close topped the S&P 500’s 0.10% decline and a 1.09% slide in financials. As of 05:02 a.m. EDT Thursday, SoFi traded at $17.52 pre-market, up 1.21% ahead of the Nasdaq open at 9:30 a.m. ET.
$18 is the key price in play. FactSet puts the median analyst target at $18, the average at $20.75. The consensus is Hold. As it stands, there are 8 Buys, 13 Holds, 1 Underweight, and 4 Sells, according to FactSet data.
SoFi’s earnings estimates are holding steady despite the AI headlines. FactSet still lists 2026 EPS at 60 cents, flat from a month ago and a penny below where it was three months back. At Wednesday’s close, SoFi trades around 29 times the projected 2026 earnings.
SoFi announced June 23 it bought Composer Securities LLC and rolled out Composer by SoFi, its new AI investing platform. The product allows users to create automated investing strategies in plain language, according to the company. Users are able to search more than 2,000 strategies built by the community. Reuters said deal details weren’t disclosed.
Chief Executive Anthony Noto told Reuters investors can begin in “plain English.” “Members are staying engaged through volatility and looking for opportunities rather than retreating from the market,” he said. Reuters
The base is big, but the investment product trails SoFi’s main banking lines. SoFi Invest counted 3.67 million products as of March 31, up 37% from a year ago. SoFi Money and Relay were each around 7.32 million products. Composer is supposed to close that gap.
Brokerage fee revenue more than doubled in Q1, the company said. Financial Services revenue was up 41% at $428.5 million. Total fee-based revenue increased 23% to $386.8 million. Composer’s first measurable stock impact may have to come from that segment, rather than product copy.
Loans remain the core of the business. SoFi’s first-quarter originations jumped 68% to $12.18 billion. Personal loans were $8.34 billion. Net interest income climbed 39% to $693.0 million. SoFi stays exposed to credit appetite and funding costs, even with new AI tools.
Unchanged guidance remains an issue for the stock. William Blair’s Andrew Jeffrey noted SoFi “uncharacteristically did not flow through first-quarter revenue and EBITDA upside” after Q1 results. Reuters said shares fell 12% on the day the company left its 2026 forecast unchanged. Reuters
Rivals are shifting as well. Reuters said last month that Robinhood Markets, Inc. (NASDAQ:HOOD) plans to allow users to open dedicated trading accounts and use AI agents to trade stocks for them.
SoFi is set to report second-quarter results on Aug. 4, according to WSJ/FactSet. Investors watching Composer may look for any shift in Invest product count or brokerage fee revenue when numbers drop.
