SOFI stock draws bulls as stablecoin and growth story accelerate. JACK KELLOGG - UPDATED OCT. 15, 2026, 4:47 PM ET SoFi Technologies Inc. stocks have been trading up by 5.98 percent after upbeat earnings and strong user growth lifted investor confidence. Key takeaways. * Bank unit is shifting a $25B annualized card program onto blockchain rails using its own SoFiUSD stablecoin across Mastercard's global network, a first for a national bank. * StoneX began coverage of SoFi Technologies with a Buy rating and $25 price target, pointing to +40% Q2 adjusted net revenue growth and record user and deposit gains. * Record Q2 2026 results showed $1.2B in net revenue and $157M in net income as SOFI expanded into digital assets and private markets with partners like Kraken and AngelList. * Analyst caution remains, with Goldman Sachs and TD Cowen trimming SOFI price targets ahead of Q3 earnings on 2026/10/27. * Tech arm SoFi Tech Solutions is teaming with Orbi and Mastercard on a crypto-linked card in Mexico, positioning SoFiUSD for future cross-border payments and remittances. Live Update At 16:46:52 EDT: On Thursday, October 15, 2026 SoFi Technologies Inc. stock [NASDAQ: SOFI] is trending up by 5.98%! Discover the key drivers behind this movement as well as its expert analysis in the detailed breakdown below. Quick financial overview. SOFI has been choppy but resilient on the chart. Over the past few weeks, the stock faded from the 17s down toward the mid-15s, with recent daily closes clustering between $15.00 and $16.00. That tells traders SOFI is digesting gains after a prior run, not falling apart. On the latest day, SOFI opened near $13.89 and pushed to $15.13 before closing at $15.09, a strong intraday range that signals active trading and dip buying. Intraday 5-minute data shows a steady grind higher from the low-14s in the morning toward the mid-15s into the close. That kind of staircase price action is what momentum traders want to see - higher lows, controlled pullbacks, and no violent rejection at the highs. Fundamentals back the price action. SoFi Technologies delivered Q2 2026 revenue of $1.2B and net income of $157M, a solid profit for a fintech that was bleeding cash not long ago. Key ratios show a price-to-sales near 4.7 and a P/E around 32, rich versus old-school banks but typical for a high-growth platform. With revenue growing above 30% annually and return on equity creeping over 7%, traders are watching to see if SOFI can hold this profitable growth lane. Why traders are watching SOFI right now. SOFI is suddenly at the center of two big stories: real profits and real blockchain use in mainstream finance. SoFi Bank is moving its entire $25B annualized debit and credit card program to blockchain-based settlement using its own SoFiUSD stablecoin. That is not a whitepaper idea. It is already live on Mastercard's global network, and it makes SoFiUSD the first stablecoin from a nationally chartered bank settling directly on that rail. For traders, that matters. If stablecoin settlement lowers costs, speeds up clearing, and locks big merchants into the SoFi ecosystem, SOFI gains leverage most neobanks can only pitch on slides. Execution and regulation are still key risks, but this is a bold swing. Wall Street is taking notice. StoneX just initiated SoFi Technologies with a Buy rating and a $25 price target, even though the stock is roughly 40% down year-to-date. Their note leans on over 40% year-over-year growth in Q2 adjusted net revenue, plus record member, product, deposit, and profit additions. The message to traders: if SOFI keeps converting sales growth into stable earnings, the market may re-rate the stock higher. At the same time, Goldman Sachs cut its SOFI target from $18 to $15 with a Neutral stance, and TD Cowen nudged its target down to $17.50 while staying at Hold. That split view creates exactly the kind of tension active traders like - strong growth and innovation against cautious expectations, a setup where surprise beats or stumbles can trigger big moves. Layer on expansion via SoFi Tech Solutions, which is partnering with Mexican fintech Orbi and Mastercard on a crypto-linked card in Mexico. That deal quietly positions SoFiUSD for future remittances and payments in Latin America. Add SoFi's own survey work touting its "everything app" appeal with younger, digital-first customers, plus partnerships with Kraken, CAZ Investments, and AngelList in digital assets and private markets. The result is a fintech platform story with multiple optionality threads for SOFI traders to track. Conclusion. SOFI is not trading like a sleepy bank stock anymore. It is trading like a fintech platform trying to outrun the pack, using profits, product breadth, and now a regulated stablecoin to do it. Q2 2026 numbers - $1.2B in revenue, $157M in net income, and member growth north of 30% - show that SoFi Technologies is scaling its "everything app" strategy, not just talking about it. But traders cannot ignore the other side of the tape. A P/E in the low-30s, heavy reinvestment, and a big push into stablecoins, digital assets, and private markets mean SOFI is still a high-expectation name. Goldman Sachs and TD Cowen trimming their price targets is a reminder that not everyone on the Street buys the full long-term story yet. The real test hits on 2026/10/27, when SoFi Technologies reports Q3 results and updates the market on SoFiUSD settlement, the Orbi crypto card rollout, and broader product traction. Active traders should focus on revenue growth, profitability trends, and any concrete metrics around stablecoin and international volumes. As Tim Sykes likes to say, "Patterns repeat because human nature doesn't change - your job is to recognize the pattern early and manage risk like a pro." As millionaire penny stock trader and teacher Tim Sykes, says, "There is always another play around the corner; don't chase just because you feel FOMO.". With SOFI sitting at the crossroads of strong growth, bold innovation, and mixed analyst views, the pattern here is volatility around catalysts. For educational and research-focused traders, that is exactly where you pay attention - and where disciplined risk management matters most. This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Its content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. 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Pineapple Financial rebrands as Pentiv, launches US mortgage broker intelligence platform. The Canadian-based company hired former SoFi executive Usman Maher as it seeks growth in the U.S. Article Summary. Pentiv, the new name for Pineapple Financial, has launched an intelligence platform aimed at mortgage brokerages. It's designed to sit above existing systems and unify data and workflows across recruiting, renewals and other brokerage functions. The Canadian-based firm is shifting to an asset-light, recurring-revenue model and will use Pineapple as an internal proof environment before extending the platform to external brokerages. AI Summary Canadian-based Pineapple Financial Inc. announced that it has rebranded as Pentiv and has launched an intelligence platform aimed at U.S. mortgage brokerages, part of its shift to an asset-light, platform-driven operating model focused on commercializing its technology beyond its existing brokerage network. The company said in a press release on Thursday that the platform is designed to sit on top of existing origination systems, unifying brokerage data and workflows while applying intelligence to core operating functions that drive growth. Pentiv will begin trading on the New York Stock Exchange under its new ticker symbol, PTIV, on Oct. 12. Rather than competing with loan origination systems, Pentiv's architecture is built to aggregate data from disparate tools and processes that independent brokerages already use. The goal is to centralize brokerage operations in a single "system of record" and then layer in applications for recruiting and renewals. Over time, the company plans to add other brokerage life cycle functions such as onboarding, retention and borrower engagement. The move comes as mortgage technology investment has largely focused on automating the loan file - from underwriting to document processing and funding - while the brokerage layer remains fragmented. Pentiv is targeting that gap, betting that independent brokerages will pay for intelligence tools that help them scale production and retention without replacing their core origination infrastructure. The company said it will run an asset-light model with a growing base of recurring platform revenue, positioning itself more as a software and intelligence provider rather than as a traditional brokerage operator. Pentiv's digital asset treasury and broader treasury strategy are intended to support a longer-term thesis that artificial intelligence and on-chain finance will converge, giving the company economic exposure to the blockchain infrastructure it expects to rely on. Usman Maher named to leadership roles. As part of the transition, Pentiv appointed Usman Maher as chief financial officer and chief strategy officer. Maher brings more than a decade of experience across private equity, special situations credit and high-growth fintechs, according to the announcement. Before joining Pentiv, Maher served as senior director of strategic finance at SoFi, where he built the finance function for the company's member platform and helped scale it into a meaningful contributor to the firm's profit-and-loss model. At Pentiv, Maher will oversee financial operations and strategic direction - including platform strategy, capital allocation, reporting, governance and execution against the company's commercial milestones. "At a time when many AI solutions in mortgage appear designed to automate brokerage professionals out of the process, we believe human judgment, trust, and relationships remain essential," Maher said in a statement. "Pentiv is launching a solution that helps brokerages harness AI to compete with large technology platforms while strengthening the professionals at the center of the mortgage process. We will prove the economics inside Pineapple, extend the platform to external brokerages, and scale adoption to build a durable intelligence company and long-term shareholder value." Focus on recruiting and alternative renewals. Pentiv's first applications - a Recruitment Agent and an Alternative Mortgage Renewal Agent - are already live within Pineapple+, the integrated application environment used by Pineapple Financial's mortgage professionals, according to the company. The Recruitment Agent is built to help brokerage leaders identify promising mortgage professionals, prioritize outreach and manage recruiting workflows. The Alternative Mortgage Renewal Agent is designed to surface upcoming or at-risk alternative mortgage renewals, suggest outreach steps, manage documentation and help professionals retain more borrowers. Both tools draw on integrated systems, mortgage data and day-to-day brokerage workflows inside Pineapple. Pentiv plans to use performance and adoption metrics from these internal deployments as proof points before expanding to external brokerages and networks.

A Motley Fool article suggests five stocks for investors with $1,000 to spend: Palantir Technologies, AGNC, Eli Lilly, SoFi Technologies, and Berkshire Hathaway. Splitting the money five ways means $200 each, so fractional shares are needed for pricier names. Palantir is the growth pick. Its second-quarter revenue rose 93% year over year, though it trades at 178 times trailing-12-month earnings. AGNC, a mortgage real estate investment trust, is the income pick, with a dividend yield of 16.6%. Eli Lilly, the only healthcare company worth $1 trillion, saw second-quarter sales climb 48%. SoFi is the fintech pick, with adjusted net revenue up 40%. Berkshire Hathaway, now led by Greg Abel, is the stability pick.