SoFi (SOFI) Stock; Eyes Upside as $713M Funding Boost Supports Earnings

TLDRs;

• SoFi’s lower-cost deposit funding could provide a significant earnings tailwind as the company pursues its ambitious 2026 EBITDA target.
• Strong deposit growth is helping SoFi reduce funding expenses while expanding lending and strengthening its financial performance.
• SOFI shares remain below analyst targets, although rising personal-loan defaults and weaker technology revenue create important risks.
• Investors may increasingly focus on SoFi’s funding efficiency as deposit growth and credit quality shape its next earnings phase.

SoFi Technologies (SOFI) stock could have room to recover as the company’s expanding deposit base delivers a substantial funding advantage that may support earnings growth through 2026.

SoFi shares closed at $18.29 on Friday, August 14, after declining 0.76%. The move came as the broader S&P 500 fell 0.17%, while the Russell 2000 gained 0.51%. Despite the modest pullback, the financial technology company continues to show strong operating momentum, with lower-cost deposits emerging as an increasingly important component of its earnings strategy.

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