SoFi Technologies (NASDAQ:SOFI) Shares Down 6.4% – Here’s What Happened

SoFi Technologies, Inc. (NASDAQ:SOFI) shares dropped 6.4% on Friday . The stock traded as low as $22.31 and last traded at $22.81. Approximately 130,615,874 shares changed hands during mid-day trading, an increase of 140% from the average daily volume of 54,514,688 shares. The stock had previously closed at $24.36.

SoFi Technologies News Summary

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

• Positive Sentiment: Q4 beat and record quarter — SoFi reported $0.13 EPS (above consensus) and roughly $1.0B in revenue, its first $1B quarter, driven by strong loan originations and fee‑based revenue growth. Business Wire: SoFi Reports Fourth Quarter 2025
• Positive Sentiment: Membership and margins acceleration — Management added ~1M members in Q4, fee‑based revenue and adjusted EBITDA expanded (record adjusted EBITDA and margin improvement), supporting the cross‑sell thesis. 247WallSt: Scorecard on SOFI Q4
• Positive Sentiment: Raised FY‑2026 targets — SoFi nudged FY EPS and revenue guidance above Street expectations (FY EPS ~0.60 vs. ~0.56 consensus; revenue guided ~$4.7B vs. ~$4.5B consensus), which underpins forward expectations if execution continues. MarketBeat: SOFI earnings and guidance
• Neutral Sentiment: Q1 guidance roughly in line — SoFi gave Q1 EPS guidance (0.12) and ~$1.0B revenue guidance that track Street estimates, reducing near‑term surprise risk but not adding upside. MarketBeat: SOFI Q1 guidance
• Neutral Sentiment: Earnings call / details available — Management commentary and the transcript provide color on product adoption, capital allocation and margins; watch the call for specifics on buybacks, M&A or continued equity issuance. Seeking Alpha: Q4 2025 Earnings Call Transcript
• Negative Sentiment: Capital‑raise and dilution concerns — Recent equity raises (~$3B previously) and management’s capital allocation plan remain a focal point; some investors see dilution risk or uncertainty about whether cash funds organic growth vs. M&A. Invezz: CEO defends capital raise
• Negative Sentiment: Execution and valuation risk — Management’s upgraded FY targets raise the bar; skeptics note valuation and the need for continued high growth and margin expansion to justify current multiples. Investing.com: Profitability streak faces test

Wall Street Analysts Forecast Growth

Several brokerages have recently commented on SOFI. Barclays lifted their target price on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Tuesday, January 6th. JPMorgan Chase & Co. increased their target price on SoFi Technologies from $24.00 to $26.00 and gave the stock a “neutral” rating in a research report on Friday, October 24th. BTIG Research reissued a “neutral” rating on shares of SoFi Technologies in a report on Wednesday, October 29th. Mizuho set a $38.00 price target on shares of SoFi Technologies in a research report on Thursday, October 30th. Finally, UBS Group lifted their price objective on shares of SoFi Technologies from $20.50 to $27.50 and gave the company a “neutral” rating in a research report on Thursday, October 30th. One investment analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating, twelve have assigned a Hold rating and three have given a Sell rating to the company. According to data from MarketBeat, the company has a consensus rating of “Hold” and a consensus price target of $25.50.

SoFi Technologies Stock Down 6.4%

The firm has a market cap of $27.51 billion, a price-to-earnings ratio of 42.24, a price-to-earnings-growth ratio of 1.54 and a beta of 1.92. The stock’s 50 day moving average is $27.00 and its 200 day moving average is $26.26. The company has a quick ratio of 0.16, a current ratio of 0.80 and a debt-to-equity ratio of 0.31.

SoFi Technologies (NASDAQ:SOFI) last issued its quarterly earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The firm had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. During the same period last year, the company posted $0.05 EPS. The firm’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. Analysts forecast that SoFi Technologies, Inc. will post 0.26 EPS for the current year.

Insider Transactions at SoFi Technologies

In related news, EVP Kelli Keough sold 10,340 shares of the business’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 value of $273,286.20. Following the sale, the executive vice president directly owned 265,034 shares in the company, valued at $7,004,848.62. The trade was a 3.75% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, insider Arun Pinto sold 46,132 shares of the firm’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 transaction of $1,142,228.32. Following the sale, the insider owned 138,396 shares of the company’s stock, valued at $3,426,684.96. The trade was a 25.00% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders have sold 167,245 shares of company stock valued at $4,362,815 in the last quarter. Insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

Hedge funds have recently modified their holdings of the stock. Blue Trust Inc. lifted its stake in SoFi Technologies by 655.2% during the fourth quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock valued at $26,000 after buying an additional 878 shares in the last quarter. Central Pacific Bank Trust Division acquired a new stake in shares of SoFi Technologies during the fourth quarter valued at approximately $28,000. Salomon & Ludwin LLC purchased a new stake in shares of SoFi Technologies in the 3rd quarter valued at approximately $29,000. Thurston Springer Miller Herd & Titak Inc. acquired a new position in SoFi Technologies in the 4th quarter worth approximately $29,000. Finally, SJS Investment Consulting Inc. grew its position in SoFi Technologies by 840.3% during the 3rd quarter. SJS Investment Consulting Inc. now owns 1,119 shares of the company’s stock worth $30,000 after purchasing an additional 1,000 shares in the last quarter. 38.43% of the stock is owned by hedge funds and other 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.