SoFi and PayPal Head Into Q3 Reports: What Analysts Expect

what happened

SoFi Technologies and PayPal Holdings will both publish third-quarter results before the market opens on Tuesday, and retail traders are watching the two fintech stocks closely. Citing Fiscal.ai data, Stocktwits reports that analysts expect SoFi revenue of $1.26 billion, up from $949.63 million, and EPS of $0.17 versus $0.11 a year earlier. For PayPal, revenue estimates stand at $8.71 billion and EPS at $1.31, compared with $1.34 in the comparable quarter.

Monness Crespi started coverage of SoFi with a Buy rating and a $20 price target. Truist cut its SoFi target to $16 from $19 and kept a Hold rating. On PayPal, Clear Street raised its target to $60 from $55 with a Hold rating, while Truist lifted its target to $58 from $53.

why it matters

SoFi shares are down more than 47% in 2026, while PayPal has lost about 5% over the same period. Earnings and target revisions tend to set the tone for the fintech group, so the reaction to these reports could spill over into other payments and digital lending stocks.

market impact

SOFI, PYPL: quarterly reports and target revisions set sentiment for fintech stocks

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