SoFi Technologies, Inc. (NASDAQ:SOFI) Given Consensus Rating of “Hold” by Analysts

Shares of SoFi Technologies, Inc. (NASDAQ:SOFI) have earned an average rating of “Hold” from the twenty-two ratings firms that are currently covering the company, Marketbeat.com reports. Two investment analysts have rated the stock with a sell recommendation, twelve have issued a hold recommendation, seven have given a buy recommendation and one has issued a strong buy recommendation on the company. The average 12 month target price among brokers that have covered the stock in the last year is $25.6875.

Several research analysts recently weighed in on the company. Barclays upped their price target on SoFi Technologies from $21.00 to $23.00 and gave the company an “outperform” rating in a research report on Wednesday, October 29th. The Goldman Sachs Group increased their price target on shares of SoFi Technologies from $24.00 to $27.00 and gave the stock a “neutral” rating in a research report on Wednesday, October 29th. Needham & Company LLC raised their price target on shares of SoFi Technologies from $29.00 to $36.00 and gave the stock a “buy” rating in a report on Wednesday, October 29th. Citigroup boosted their price objective on shares of SoFi Technologies from $28.00 to $37.00 and gave the company a “buy” rating in a research report on Wednesday, October 29th. Finally, Mizuho set a $38.00 target price on shares of SoFi Technologies in a research report on Thursday, October 30th.

Trending Headlines about SoFi Technologies

Here are the key news stories impacting SoFi Technologies this week:

• Positive Sentiment: SoFi announced a new stablecoin (SoFiUSD); markets reacted immediately and the stock rose as investors priced in new product revenue, broader crypto/payments exposure and the credibility of a federally chartered bank issuing a publicly tradable stablecoin. SoFi’s Stablecoin Launch And What It Means For Financial Institutions
• Positive Sentiment: Report on SoFi launching stablecoin infrastructure — provides context on how the product will be delivered (infrastructure + issuance), supporting the view that this is more than a marketing play and could drive payment fees, custody/FX or new deposit flows. SoFi launches stablecoin infrastructure
• Positive Sentiment: MarketWatch coverage on SoFiUSD clarifies the product name and public launch details — helps investor adoption narrative and discoverability for institutional partners. SoFi Technologies to Offer SoFiUSD Stablecoin
• Positive Sentiment: Local economic incentives approved for SoFi’s planned 250‑job expansion in Ballantyne (Mecklenburg County) — signals continued capital investment and hiring that supports revenue/member growth targets. Mecklenburg County approves incentives for SoFi’s 250-job expansion in Ballantyne
• Positive Sentiment: Analyst/press notes and Motley Fool pieces highlight that SoFi was a top performer in 2025 and that Q4 earnings (Jan. 26) are expected to beat estimates again, which supports the bullish sentiment tied to product momentum and member growth. Interested in SoFi Technologies? Mark Your Calendar for Jan. 26.
• Neutral Sentiment: Longer‑term price/earnings forecasts and multi‑year models (2026–2030) emphasize aggressive growth assumptions (CEO targets: ~30% member growth, ~20% revenue growth). These support upside but depend on execution and monetization of new products like SoFiUSD. SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2026-2030 (Dec 19)
• Neutral Sentiment: Earlier analysis questioned whether product additions (e.g., a SoFi smart card) deepen the ecosystem or dilute focus — a reminder investors should watch execution and margin implications as SoFi scales new offerings. Is SoFi’s New Smart Card Deepening Its Ecosystem Advantage or Diluting Focus for Investors (SOFI)?

Insider Activity at SoFi Technologies

In related news, insider Arun Pinto sold 46,132 shares of the business’s stock in a transaction that occurred on Friday, November 21st. The stock was sold at an average price of $24.76, for a total value of $1,142,228.32. Following the completion of the sale, the insider owned 138,396 shares of the company’s stock, valued at approximately $3,426,684.96. The trade was a 25.00% decrease in their position. The sale was disclosed in a filing with the SEC, which can be accessed through this link. Also, EVP Kelli Keough sold 10,340 shares of the firm’s stock in a transaction that occurred on Thursday, November 20th. The shares were sold at an average price of $26.43, for a total transaction of $273,286.20. Following the transaction, the executive vice president directly owned 265,034 shares in the company, valued at approximately $7,004,848.62. The trade was a 3.75% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last three months, insiders sold 66,508 shares of company stock valued at $1,699,834. 2.60% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On SoFi Technologies

Several institutional investors have recently bought and sold shares of the stock. Strategic Investment Solutions Inc. IL boosted its stake in shares of SoFi Technologies by 693.5% during the 3rd quarter. Strategic Investment Solutions Inc. IL now owns 1,230 shares of the company’s stock worth $32,000 after acquiring an additional 1,075 shares in the last quarter. Allworth Financial LP lifted its holdings in SoFi Technologies by 390.7% in the 3rd quarter. Allworth Financial LP now owns 117,925 shares of the company’s stock worth $3,116,000 after purchasing an additional 93,892 shares during the last quarter. Swiss Life Asset Management Ltd boosted its position in SoFi Technologies by 1,120.3% during the third quarter. Swiss Life Asset Management Ltd now owns 329,637 shares of the company’s stock worth $8,709,000 after purchasing an additional 302,625 shares during the period. Liontrust Investment Partners LLP bought a new stake in SoFi Technologies during the third quarter worth approximately $10,608,000. Finally, CIBC Private Wealth Group LLC grew its holdings in SoFi Technologies by 12.5% during the third quarter. CIBC Private Wealth Group LLC now owns 62,626 shares of the company’s stock valued at $1,655,000 after purchasing an additional 6,959 shares during the last quarter. 38.43% of the stock is currently owned by institutional investors.

SoFi Technologies Trading Up 3.6%

SoFi Technologies stock opened at $27.24 on Friday. SoFi Technologies has a 52 week low of $8.60 and a 52 week high of $32.73. The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80. The firm has a market capitalization of $32.85 billion, a price-to-earnings ratio of 50.45 and a beta of 1.93. The company has a 50 day moving average price of $28.18 and a 200 day moving average price of $24.22.

SoFi Technologies (NASDAQ:SOFI) last announced its earnings results on Tuesday, October 28th. The company reported $0.11 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.09 by $0.02. The company had revenue of $949.63 million for the quarter, compared to the consensus estimate of $880.33 million. SoFi Technologies had a net margin of 19.29% and a return on equity of 5.12%. The company’s revenue was up 37.7% on a year-over-year basis. During the same period in the previous year, the business earned $0.05 EPS. SoFi Technologies has set its FY 2025 guidance at 0.370-0.370 EPS. Research analysts forecast that SoFi Technologies will post 0.26 EPS for the current year.

About SoFi Technologies

SoFi Technologies, Inc (NASDAQ: SOFI) is a diversified financial services company that provides consumer-focused lending, banking, investing and financial technology products. The company’s core offerings include student loan refinancing and private student loans, personal loans, mortgage lending, and credit card products. In addition to credit and lending, SoFi operates consumer-facing deposit and cash management accounts, an investing and trading platform, and an insurance marketplace through partner relationships, all designed to serve individuals seeking an integrated digital financial experience.

SoFi has grown beyond direct-to-consumer lending by building technology and infrastructure capabilities.