Brokerages Set SoFi Technologies, Inc. (NASDAQ:SOFI) Target Price at $25.44

SoFi Technologies, Inc. (NASDAQ:SOFI) has earned a consensus recommendation of “Hold” from the twenty ratings firms that are currently covering the company, MarketBeat Ratings reports. Three investment analysts have rated the stock with a sell recommendation, nine have issued a hold recommendation, seven have issued a buy recommendation and one has given a strong buy recommendation to the company. The average 1 year price objective among analysts that have issued a report on the stock in the last year is $26.2059.

SOFI has been the topic of a number of analyst reports. Truist Financial reduced their price objective on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a research report on Tuesday, November 25th. UBS Group set a $24.50 price target on SoFi Technologies in a report on Monday, February 2nd. Keefe, Bruyette & Woods boosted their price target on shares of SoFi Technologies from $18.00 to $20.00 and gave the company an “underperform” rating in a research report on Wednesday, October 29th. The Goldman Sachs Group dropped their price objective on shares of SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating for the company in a report on Tuesday, January 6th. Finally, Barclays raised their price objective on shares of SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Tuesday, January 6th.

SoFi Technologies Stock Performance

NASDAQ:SOFI opened at $21.18 on Friday. The company has a market cap of $25.54 billion, a P/E ratio of 55.74 and a beta of 2.13. SoFi Technologies has a twelve month low of $8.60 and a twelve month high of $32.73. The company’s 50-day moving average price is $25.88 and its 200-day moving average price is $26.33. 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 released its quarterly earnings data on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. The company had revenue of $1.01 billion during the quarter, compared to the consensus estimate of $984.75 million. SoFi Technologies had a net margin of 13.34% and a return on equity of 6.48%. SoFi Technologies’s quarterly revenue was up 39.6% on a year-over-year basis. During the same quarter in the prior year, the firm earned $0.05 EPS. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. On average, sell-side analysts forecast that SoFi Technologies will post 0.26 earnings per share for the current fiscal year.

Key Stories Impacting SoFi Technologies

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

• Positive Sentiment: Citizens JMP upgraded SOFI to Outperform with a $30 price target, which has become a headline catalyst driving renewed buy interest. Read More.
• Positive Sentiment: Several bullish pieces and analyst notes argue the pullback makes SOFI attractive — they cite strong member growth, rising fee revenue, high net interest margins and operating leverage supporting multi‑year EPS upside. Read More.
• Positive Sentiment: Coverage that SOFI’s post‑earnings insider and executive buying signals management confidence and helped intraday gains after the quarter. Read More.
• Neutral Sentiment: Broader upgrade chatter and Nasdaq strength have provided sector tailwinds for SOFI, but these are market‑wide dynamics rather than company‑specific catalysts. Read More.
• Neutral Sentiment: Analyst/feature comparisons to peers (e.g., PayPal) and coverage of SoFi’s crypto/blockchain moves raise longer‑term opportunity themes but are more thematic than immediate catalysts. Read More.
• Neutral Sentiment: Reports highlight SoFi’s growing crypto initiatives and potential upside if execution succeeds — interesting for long‑term investors but adds execution risk in the near term. Read More.
• Negative Sentiment: Director Steven Freiberg sold 94,225 shares (~$1.9M) in a Feb. 6 filing, reducing his stake ~13.8% — a notable insider sale that can be read as a short‑term negative by some investors. Read More.
• Negative Sentiment: Despite adjusted beats, some analysts cut targets or stayed cautious after GAAP profit weakness; UBS trimmed its PT and others retained neutral/hold ratings, limiting near‑term consensus upside. Read More.
• Negative Sentiment: Short‑term pressure has also come from traders rotating ahead of Robinhood’s results and broader software/fintech volatility, prompting the intraday pullback. Read More.

Insider Buying and Selling at SoFi Technologies

In other news, CTO Jeremy Rishel sold 91,837 shares of SoFi Technologies stock in a transaction that occurred on 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 sale, 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 transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. Also, EVP Eric Schuppenhauer acquired 5,000 shares of the firm’s stock in a transaction that occurred on Thursday, February 5th. The stock was acquired at an average price of $19.93 per share, for a total transaction of $99,650.00. Following the completion of the acquisition, the executive vice president directly owned 228,768 shares of the company’s stock, valued at $4,559,346.24. The trade was a 2.23% increase in their position. The disclosure for this purchase is available in the SEC filing. Over the last three months, insiders have sold 261,470 shares of company stock worth $6,276,524. Insiders own 2.60% of the company’s stock.

Hedge Funds Weigh In On SoFi Technologies

A number of hedge funds have recently modified their holdings of the business. TD Asset Management Inc raised its holdings in SoFi Technologies by 16.8% in the 4th quarter. TD Asset Management Inc now owns 219,314 shares of the company’s stock valued at $5,742,000 after buying an additional 31,624 shares during the period. WCG Wealth Advisors LLC acquired a new stake in shares of SoFi Technologies during the fourth quarter valued at about $1,029,000. Shepherd Street Advisors LLC acquired a new stake in shares of SoFi Technologies during the fourth quarter valued at about $466,000. CIBC Asset Management Inc raised its stake in shares of SoFi Technologies by 72.7% in the 4th quarter. CIBC Asset Management Inc now owns 53,443 shares of the company’s stock valued at $1,399,000 after acquiring an additional 22,495 shares during the period. Finally, Mccarter Private Wealth Services LLC lifted its holdings in shares of SoFi Technologies by 15.1% in the 4th quarter. Mccarter Private Wealth Services LLC now owns 12,276 shares of the company’s stock worth $321,000 after acquiring an additional 1,613 shares during the last quarter. 38.43% of the stock is currently 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.