SoFi Technologies, Inc. (NASDAQ:SOFI) Receives Average Rating of “Hold” from Analysts

SoFi Technologies, Inc. (NASDAQ:SOFI) has been given an average rating of “Hold” by the twenty brokerages that are presently covering the stock, Marketbeat.com reports. Three investment analysts have rated the stock with a sell rating, ten have given a hold rating, six have assigned a buy rating and one has assigned a strong buy rating to the company. The average 1 year price objective among analysts that have covered the stock in the last year is $25.4412.

A number of research firms recently weighed in on SOFI. JPMorgan Chase & Co. raised SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 target price on the stock in a research report on Tuesday, February 3rd. The Goldman Sachs Group decreased their price objective on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a report on Tuesday, January 6th. Truist Financial cut their target price on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a research note on Tuesday, November 25th. Jefferies Financial Group reiterated a “buy” rating and set a $35.00 price target on shares of SoFi Technologies in a research note on Tuesday, October 28th. Finally, Mizuho set a $38.00 price target on shares of SoFi Technologies in a report on Thursday, October 30th.

Key SoFi Technologies News

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

• Positive Sentiment: Q4 beat and bullish 2026 outlook — SoFi reported its first $1B revenue quarter, record profitability, and guided to roughly 30% revenue growth and 52% adj. EBITDA growth for 2026, supporting a shift toward higher‑margin, fee‑based revenues. SoFi Technologies: Pound The Table Moment As Upgrades From Large Banks Roll In
• Positive Sentiment: Broker upgrade — JPMorgan upgraded SoFi to Overweight, adding institutional credibility that can attract flows. JPMorgan Chase & Co. Upgrades SoFi Technologies (NASDAQ:SOFI) to Overweight
• Positive Sentiment: Insider buying — EVP Eric Schuppenhauer purchased 5,000 shares at ~$19.93, increasing his stake; insider buys often signal management confidence. Eric Schuppenhauer Acquires 5,000 Shares of SoFi Technologies (NASDAQ:SOFI) Stock
• Positive Sentiment: Analyst commentary and buy‑case pieces highlight opportunity after the pullback — multiple notes and SA writeups argue the correction creates a buying opportunity given durable cross‑sell, tranche demand in lending, and margin expansion. SoFi: Recent Pullback Creates Opportunity As 2026 Catalysts Line Up
• Neutral Sentiment: Investor interest/coverage pieces — Zacks and other outlets are flagging SOFI as a highly searched stock and debating buy/hold/sell after Q4; useful context but not a direct catalyst. Is Most-Watched Stock SoFi Technologies, Inc. (SOFI) Worth Betting on Now?
• Neutral Sentiment: Market recap and institutional flows — MarketBeat notes Q4 beats, mixed analyst targets and some hedge‑fund rebalancing; institutional buying can support the run but consensus rating remains around “Hold.” SoFi Technologies Trading Coverage
• Negative Sentiment: Analyst downgrades and prior sharp pullback — Some firms have issued downgrades and lower targets, and the stock had a >20% pullback after earnings, leaving it below key moving averages and keeping risk elevated (high beta). SoFi Technologies (NASDAQ:SOFI) Shares Down 1.4% Following Analyst Downgrade
• Negative Sentiment: Bear-case reminders — Skeptical pieces emphasize valuation (PE >50), execution risk as growth normalizes, and sensitivity to macro/credit conditions. SoFi Technologies: Back To Earth After Meltdown – Correction Buying Opportunity

SoFi Technologies Trading Up 7.2%

Shares of SOFI stock opened at $20.86 on Friday. The firm has a market capitalization of $25.16 billion, a P/E ratio of 54.90, a price-to-earnings-growth ratio of 1.28 and a beta of 2.13. SoFi Technologies has a 1 year low of $8.60 and a 1 year high of $32.73. The firm’s fifty day simple moving average is $26.20 and its 200 day simple moving average is $26.29. The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.12 by $0.01. SoFi Technologies had a net margin of 13.34% and a return on equity of 6.48%. The company had revenue of $1.01 billion for the quarter, compared to analyst estimates of $984.75 million. During the same period last year, the business posted $0.05 EPS. The business’s quarterly revenue was up 39.6% on a year-over-year basis. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. As a group, sell-side analysts predict that SoFi Technologies will post 0.26 EPS for the current year.

Insider Transactions at SoFi Technologies

In related news, EVP Eric Schuppenhauer acquired 5,000 shares of the firm’s stock in a transaction on Thursday, February 5th. The shares were bought at an average cost of $19.93 per share, with a total value of $99,650.00. Following the completion of the acquisition, the executive vice president owned 228,768 shares of the company’s stock, valued at $4,559,346.24. This trade represents a 2.23% increase in their ownership of the stock. The acquisition was disclosed in a document filed with the SEC, which is available through this hyperlink. Also, CTO Jeremy Rishel sold 91,837 shares of the firm’s stock in a transaction that occurred on Wednesday, December 17th. The stock was sold at an average price of $26.64, for a total value of $2,446,537.68. Following the transaction, the chief technology officer owned 794,598 shares of the company’s stock, valued at $21,168,090.72. This trade represents a 10.36% decrease in their position. The SEC filing for this sale provides additional information. Over the last three months, insiders have sold 167,245 shares of company stock valued at $4,362,815. Corporate insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

A number of hedge funds have recently made changes to their positions in the company. Vanguard Group Inc. grew its stake in SoFi Technologies by 3.6% during the fourth quarter. Vanguard Group Inc. now owns 111,003,107 shares of the company’s stock worth $2,906,061,000 after buying an additional 3,900,895 shares during the last quarter. State Street Corp boosted its holdings in shares of SoFi Technologies by 30.7% in the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company’s stock worth $642,019,000 after acquiring an additional 5,708,053 shares in the last quarter. Dimensional Fund Advisors LP boosted its holdings in shares of SoFi Technologies by 0.7% in the 3rd quarter. Dimensional Fund Advisors LP now owns 9,792,807 shares of the company’s stock worth $258,821,000 after acquiring an additional 67,504 shares in the last quarter. Norges Bank bought a new stake in SoFi Technologies during the 2nd quarter worth approximately $164,068,000. Finally, Marshall Wace LLP increased its holdings in SoFi Technologies by 88.2% during the 2nd quarter. Marshall Wace LLP now owns 7,997,146 shares of the company’s stock valued at $145,628,000 after purchasing an additional 3,748,817 shares in the last quarter. Institutional investors and hedge funds own 38.43% of the company’s stock.

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.