SoFi Technologies, Inc. (NASDAQ:SOFI) Stock Rated “Hold” by Wall Street Brokerages

Shares of SoFi Technologies, Inc. (NASDAQ:SOFI) have earned a consensus recommendation of “Hold” from the twenty-three analysts that are covering the firm, Marketbeat Ratings reports. Three research analysts have rated the stock with a sell rating, eleven have issued a hold rating and nine have issued a buy rating on the company. The average 12 month price target among brokers that have updated their coverage on the stock in the last year is $22.52.

Several equities research analysts have issued reports on SOFI shares. Truist Financial boosted their price objective on shares of SoFi Technologies from $18.00 to $19.00 and gave the company a “hold” rating in a research report on Wednesday, August 12th. Mizuho lowered their target price on SoFi Technologies from $29.00 to $22.00 and set an “outperform” rating for the company in a report on Friday, July 31st. Needham & Company LLC cut their price target on SoFi Technologies from $25.00 to $24.00 and set a “buy” rating on the stock in a research note on Thursday, July 30th. Wells Fargo & Company dropped their target price on shares of SoFi Technologies from $18.00 to $17.00 and set an “equal weight” rating on the stock in a report on Thursday, July 30th. Finally, Loop Capital assumed coverage on shares of SoFi Technologies in a report on Tuesday, September 8th. They issued a “hold” rating and a $22.00 price target for the company.

More SoFi Technologies News

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

• Positive Sentiment: SoFi’s broader “everything app” strategy continues to attract bullish attention. The company has expanded beyond lending into banking, credit cards, investing and financial technology infrastructure, while operating metrics cited in recent commentary suggest customer and product growth remains healthy. SoFi Built a Bank, a Card Program, and a Stablecoin
• Positive Sentiment: Recent bullish articles argue that the selloff has created a potential buying opportunity before earnings. SoFi’s latest quarterly results showed 42.5% year-over-year revenue growth, $1.21 billion in revenue and adjusted earnings above expectations, supporting the case for continued operating momentum. Should You Buy SoFi Stock Before October 27?
• Positive Sentiment: SoFi’s partnership with Mastercard to settle card transactions using its dollar-backed SoFiUSD stablecoin could eventually support fee revenue, cross-border payments and remittances. However, the financial impact has not yet been quantified.
• Neutral Sentiment: Investor sentiment remains mixed. The consensus rating is Hold, with a reported average price target of $22.52 versus shares near $16.58, while analysts differ significantly on the company’s valuation and execution prospects.
• Neutral Sentiment: Reports on short interest are contradictory: one article describes elevated short interest, while another lists zero shares short. The inconsistency limits the usefulness of short-interest data as a near-term trading signal.
• Negative Sentiment: SoFi has participated in a broader selloff in consumer-lending stocks, suggesting concerns about credit risk, borrowing demand and sector valuation rather than company-specific news alone. Consumer Lending Stocks Slide
• Negative Sentiment: Chief Technology Officer Jeremy Rishel and EVP Kelli Keough sold shares worth approximately $326,000 and $173,000, respectively. Both transactions were conducted under pre-arranged Rule 10b5-1 plans, reducing—but not eliminating—their negative signaling value. Kelli Keough Insider Sale

Insiders Place Their Bets

In other SoFi Technologies news, EVP Kelli Keough sold 10,203 shares of the stock in a transaction on Monday, September 21st. The stock was sold at an average price of $16.99, for a total transaction of $173,348.97. Following the sale, the executive vice president owned 408,073 shares of the company’s stock, valued at approximately $6,933,160.27. This trade represents a 2.44% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CTO Jeremy Rishel sold 18,624 shares of SoFi Technologies stock in a transaction on Monday, September 21st. The shares were sold at an average price of $17.50, for a total value of $325,920.00. Following the completion of the transaction, the chief technology officer owned 912,650 shares in the company, valued at $15,971,375. This represents a 2.00% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last 90 days, insiders have sold 51,067 shares of company stock valued at $890,716. 2.50% of the stock is owned by company insiders.

Institutional Trading of SoFi Technologies

A number of institutional investors have recently modified their holdings of SOFI. BlackRock Inc. purchased a new stake in SoFi Technologies in the second quarter valued at approximately $1,298,925,000. Norges Bank acquired a new stake in SoFi Technologies during the 4th quarter worth about $321,515,000. Bank of America Corp DE acquired a new stake in SoFi Technologies during the 2nd quarter worth about $163,808,000. Mitsubishi UFJ Asset Management Co. Ltd. purchased a new position in shares of SoFi Technologies during the 2nd quarter valued at approximately $93,937,000. Finally, Bank of New York Mellon Corp purchased a new position in shares of SoFi Technologies during the 2nd quarter valued at approximately $72,531,000. 38.43% of the stock is currently owned by institutional investors.

SoFi Technologies Price Performance

SoFi Technologies stock opened at $16.58 on Monday. SoFi Technologies has a 12-month low of $14.88 and a 12-month high of $32.73. The company has a current ratio of 0.74, a quick ratio of 0.10 and a debt-to-equity ratio of 0.30. The firm has a 50-day moving average price of $17.60 and a 200-day moving average price of $17.29. The firm has a market capitalization of $21.41 billion, a PE ratio of 34.54, a price-to-earnings-growth ratio of 1.39 and a beta of 2.20.

SoFi Technologies (NASDAQ:SOFI) last issued its quarterly earnings results on Wednesday, July 29th. The company reported $0.12 EPS for the quarter, beating the consensus estimate of $0.11 by $0.01. The company had revenue of $1.21 billion for the quarter, compared to the consensus estimate of $1.11 billion. SoFi Technologies had a net margin of 14.78% and a return on equity of 6.22%. The firm’s revenue was up 42.5% compared to the same quarter last year. During the same period in the prior year, the firm posted $0.08 EPS. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. As a group, equities research analysts forecast that SoFi Technologies will post 0.6 EPS for the current year.

SoFi Technologies Company Profile

SoFi Technologies, Inc is a financial technology company that provides digital financial services to consumers in the United States. The company began in 2011 as a platform focused on student loan refinancing and has expanded into a broader range of lending, banking and investment products.

Through its SoFi platform, the company offers personal loans, student loans, home loans, checking and savings accounts, credit cards, brokerage and investing services, and financial planning tools. Its products are primarily delivered through digital channels, including its website and mobile applications.

SoFi also operates a technology platform business through Galileo Financial Technologies and Technisys, which provide payment, account-management and other financial infrastructure to banks, fintech companies and other businesses.