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

SoFi Technologies, Inc. (NASDAQ:SOFI) has been given an average rating of “Hold” by the eighteen ratings firms that are covering the firm, Marketbeat reports. Three research analysts have rated the stock with a sell rating, eight have given a hold rating and seven have assigned a buy rating to the company. The average twelve-month price objective among brokerages that have updated their coverage on the stock in the last year is $26.3438.

A number of equities research analysts have recently commented on SOFI shares. Truist Financial reduced their target price on shares of SoFi Technologies from $28.00 to $21.00 and set a “hold” rating for the company in a research report on Wednesday, February 18th. UBS Group set a $24.50 price objective on shares of SoFi Technologies in a research note on Monday, February 2nd. Citizens Jmp raised shares of SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 target price on the stock in a research note on Monday, February 9th. Bank of America assumed coverage on SoFi Technologies in a report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 target price on the stock. Finally, JPMorgan Chase & Co. upgraded SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 price target for the company in a research report on Tuesday, February 3rd.

SoFi Technologies Stock Performance

NASDAQ SOFI opened at $18.70 on Thursday. The company has a debt-to-equity ratio of 0.17, a current ratio of 0.78 and a quick ratio of 0.18. The stock’s 50 day simple moving average is $23.28 and its 200-day simple moving average is $25.93. The company has a market cap of $23.85 billion, a PE ratio of 49.21 and a beta of 2.20. SoFi Technologies has a 1-year low of $8.60 and a 1-year high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last issued its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, topping the consensus estimate of $0.12 by $0.01. The firm had revenue of $1.01 billion during the quarter, compared to analysts’ expectations of $984.75 million. SoFi Technologies had a return on equity of 5.88% and a net margin of 13.34%.The firm’s revenue for the quarter was up 39.6% on a year-over-year basis. During the same period in the previous year, the business earned $0.05 earnings per share. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. As a group, equities research analysts anticipate that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insider Buying and Selling

In other news, CTO Jeremy Rishel sold 91,837 shares of the business’s stock in a transaction dated Wednesday, December 17th. The shares were sold at an average price of $26.64, for a total transaction of $2,446,537.68. Following the transaction, the chief technology officer owned 794,598 shares of the company’s stock, valued at approximately $21,168,090.72. The trade was a 10.36% decrease in their position. The sale was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, Director Steven J. Freiberg sold 94,225 shares of the firm’s stock in a transaction dated Friday, February 6th. The stock was sold at an average price of $20.31, for a total transaction of $1,913,709.75. Following the sale, the director owned 588,849 shares of the company’s stock, valued at approximately $11,959,523.19. The trade was a 13.79% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold 214,753 shares of company stock worth $5,045,087 over the last quarter. Corporate insiders own 2.60% of the company’s stock.

Institutional Trading of SoFi Technologies

A number of hedge funds and other institutional investors have recently made changes to their positions in the company. Brighton Jones LLC lifted its holdings in SoFi Technologies by 2.0% in the fourth quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock valued at $11,077,000 after acquiring an additional 14,281 shares during the last quarter. Caxton Associates LLP purchased a new stake in SoFi Technologies in the first quarter valued at $129,000. Empowered Funds LLC lifted its stake in shares of SoFi Technologies by 5.2% in the 1st quarter. Empowered Funds LLC now owns 33,126 shares of the company’s stock valued at $385,000 after purchasing an additional 1,631 shares during the last quarter. Envestnet Asset Management Inc. grew its holdings in shares of SoFi Technologies by 6.5% during the 2nd quarter. Envestnet Asset Management Inc. now owns 74,223 shares of the company’s stock worth $1,352,000 after purchasing an additional 4,505 shares during the period. Finally, Strs Ohio grew its holdings in shares of SoFi Technologies by 1.1% during the 2nd quarter. Strs Ohio now owns 85,570 shares of the company’s stock worth $1,558,000 after purchasing an additional 972 shares during the period. Institutional investors and hedge funds own 38.43% of the company’s stock.

SoFi Technologies News Summary

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

• Positive Sentiment: Mastercard will provide settlement for SoFiUSD transactions and enable SoFiUSD as a settlement currency across Mastercard’s global payments network — this materially boosts SoFi’s stablecoin utility, distribution and potential transaction/settlement revenue. Mastercard to provide settlement for SoFi stablecoin transactions
• Positive Sentiment: Multiple outlets report SoFi will offer SoFiUSD settlement across Mastercard’s network (additional coverage highlights the same partnership), reinforcing the scale and credibility of the initiative — a clear product/corporate development that can drive future growth. SoFi to Offer SoFiUSD as Settlement Currency Across Mastercard Network
• Positive Sentiment: CEO Anthony Noto purchased roughly $1 million of SOFI stock — insider buying signals management confidence after the selloff and often supports near-term sentiment and analyst conviction. SoFi’s stock rises as CEO Anthony Noto reacts to recent selloff with a $1 million purchase
• Positive Sentiment: Seeking Alpha reports a buy rating/upgrade citing Q4 beats, bullish guidance, attractive valuation metrics (low PEG, reasonable forward P/E) and the recent insider buy — this can attract value/contrarian investors. SoFi: The Rebound Has Started (Rating Upgrade)
• Neutral Sentiment: A valuation/assessment piece examines recent volatility and re-rates SoFi after big swings — useful context for investors weighing fundamentals vs. market sentiment but not a direct catalyst. Assessing SoFi Technologies (SOFI) Valuation After Recent Share Price Swings
• Negative Sentiment: Coverage notes a “rough start to 2026” and that shares still trade well below their peak — the recent ~30% selloff and technicals (50/200-day averages) are headwinds that could limit near-term upside despite positive headlines. SoFi CEO Just Bought $1 Million of His Own Stock — And Analysts Think It Could Hit $26

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.