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

SoFi Technologies, Inc. (NASDAQ:SOFI) has been assigned a consensus rating of “Hold” from the twenty-one research firms that are covering the firm, MarketBeat.com reports. Three analysts have rated the stock with a sell recommendation, eleven have given a hold recommendation and seven have issued a buy recommendation on the company. The average 1 year price objective among brokerages that have issued ratings on the stock in the last year is $22.5556.

SOFI has been the subject of several recent research reports. Needham & Company LLC reduced their price target on SoFi Technologies from $33.00 to $25.00 and set a “buy” rating for the company in a research report on Thursday, April 30th. Stephens lowered their price target on SoFi Technologies from $26.00 to $25.00 and set an “overweight” rating on the stock in a research report on Thursday, April 30th. Truist Financial dropped their price objective on SoFi Technologies from $20.00 to $17.00 and set a “hold” rating on the stock in a research note on Tuesday, May 12th. Deutsche Bank Aktiengesellschaft reissued a “hold” rating and issued a $18.00 target price on shares of SoFi Technologies in a research note on Thursday, April 30th. Finally, The Goldman Sachs Group restated a “neutral” rating and set a $17.00 target price on shares of SoFi Technologies in a report on Thursday, April 30th.

SoFi Technologies Stock Down 4.6%

Shares of SOFI stock opened at $17.75 on Wednesday. The firm’s fifty day moving average price is $16.87 and its two-hundred day moving average price is $19.62. The company has a current ratio of 0.75, a quick ratio of 0.13 and a debt-to-equity ratio of 0.17. SoFi Technologies has a 1 year low of $14.92 and a 1 year high of $32.73. The firm has a market capitalization of $22.77 billion, a P/E ratio of 40.34 and a beta of 2.14.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings data on Wednesday, April 29th. The company reported $0.12 EPS for the quarter, hitting analysts’ consensus estimates of $0.12. The company had revenue of $1.09 billion during the quarter, compared to the consensus estimate of $1.05 billion. SoFi Technologies had a net margin of 14.65% and a return on equity of 6.25%. The company’s quarterly revenue was up 42.6% on a year-over-year basis. During the same period in the prior year, the business posted $0.06 EPS. SoFi Technologies has set its FY 2026 guidance at 0.600- EPS. On average, equities analysts predict that SoFi Technologies will post 0.59 EPS for the current fiscal year.

Key Headlines Impacting SoFi Technologies

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

• Positive Sentiment: SoFi launched the Social 50 Income ETF (SFYI), expanding its ETF lineup and adding another way to monetize its investing platform by combining stock exposure with an options-income strategy. SoFi Expands ETF Lineup with the Social 50 Income ETF (SFYI), Seeking Income and Pursuing Growth
• Positive Sentiment: Articles on SoFi’s AI push with “Coach” and “Composer” suggest the company is using new digital tools to deepen engagement, which could support more product adoption and revenue growth over time. SOFI Innovation: Are Coach and Composer the Next Growth Layer?
• Positive Sentiment: Cathie Wood reportedly bought more SoFi shares, a signal some investors may view as supportive of the company’s long-term growth story. Cathie Wood Doubles Down on Tesla and SoFi With Fresh Million-Dollar Buys
• Neutral Sentiment: Market commentary is debating whether SoFi has “bottomed” after a steep year-to-date decline, indicating improving sentiment but no clear confirmation of a durable turnaround yet. SoFi Survived the Short Sellers. Has the Stock Finally Bottomed?
• Neutral Sentiment: Broader fintech coverage continues to highlight SoFi as a key player in AI, digital payments, and investing, but these stories are more thematic than company-specific catalysts. Fintech Stocks in Focus as AI and Digital Payments Reshape Finance
• Negative Sentiment: Several articles note that SoFi remains significantly below earlier levels, reminding investors that the stock is still trying to recover from a difficult first half and that sentiment can remain volatile. Down 43%, Is SoFi Stock a Generational Buying Opportunity Right Now?

Insider Activity

In related news, CTO Jeremy Rishel sold 102,123 shares of SoFi Technologies stock in a transaction dated Wednesday, June 17th. The stock was sold at an average price of $17.78, for a total transaction of $1,815,746.94. Following the completion of the transaction, the chief technology officer owned 895,089 shares in the company, valued at approximately $15,914,682.42. This trade represents a 10.24% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, EVP Kelli Keough sold 10,954 shares of the business’s stock in a transaction that occurred on Monday, June 22nd. The stock was sold at an average price of $17.35, for a total value of $190,051.90. Following the transaction, the executive vice president directly owned 378,682 shares in the company, valued at approximately $6,570,132.70. This trade represents a 2.81% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 134,044 shares of company stock valued at $2,370,056 in the last quarter. Company insiders own 2.50% of the company’s stock.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently made changes to their positions in the business. Vanguard Group Inc. increased its holdings in shares of SoFi Technologies by 3.6% during the 4th quarter. Vanguard Group Inc. now owns 111,003,107 shares of the company’s stock worth $2,906,061,000 after acquiring an additional 3,900,895 shares during the last quarter. State Street Corp lifted its holdings in SoFi Technologies by 6.7% during the 4th quarter. State Street Corp now owns 25,937,928 shares of the company’s stock valued at $679,055,000 after purchasing an additional 1,637,430 shares during the last quarter. Geode Capital Management LLC boosted its position in SoFi Technologies by 9.0% during the fourth quarter. Geode Capital Management LLC now owns 23,642,936 shares of the company’s stock worth $618,395,000 after purchasing an additional 1,951,248 shares during the period. Morgan Stanley boosted its position in SoFi Technologies by 33.6% during the fourth quarter. Morgan Stanley now owns 13,323,366 shares of the company’s stock worth $348,806,000 after purchasing an additional 3,350,258 shares during the period. Finally, Norges Bank acquired a new position in shares of SoFi Technologies in the fourth quarter valued at $321,515,000. 38.43% of the stock is currently owned by institutional investors.

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.