SoFi Technologies (NASDAQ:SOFI) Trading 3.6% Higher – Should You Buy?

SoFi Technologies, Inc. (NASDAQ:SOFI)’s stock price was up 3.6% on Friday . The company traded as high as $27.37 and last traded at $27.24. Approximately 43,597,969 shares traded hands during mid-day trading, a decline of 32% from the average daily volume of 64,031,098 shares. The stock had previously closed at $26.29.

Key SoFi Technologies News

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

• Positive Sentiment: SoFi launched a bank-backed stablecoin (SoFiUSD) and underlying infrastructure, positioning a federally chartered bank to issue digital currency on public blockchains — a strategic, revenue- and ecosystem-expanding move that prompted an immediate share reaction. SoFi launches stablecoin infrastructure
• Positive Sentiment: Market coverage highlighted the stablecoin launch as the key catalyst for the rally, noting shares jumped ~4% as investors priced in the implications of a bank-issued digital USD. This commentary helps explain near-term buying interest. SoFi’s Stablecoin Launch And What It Means For Financial Institutions
• Positive Sentiment: Local incentives approved for a 250-job expansion in Ballantyne (Mecklenburg County), which supports growth in operations/staffing and is a concrete sign of physical expansion. Mecklenburg County approves incentives for SoFi’s 250-job expansion in Ballantyne
• Neutral Sentiment: Analysts and outlets note SoFi was one of 2025’s top-performing financial stocks — positive momentum but also raises expectations; investors should monitor valuation and sustainability of outperformance. These 2 Financial Stocks Beat the Market by 208% and 55% in 2025
• Neutral Sentiment: Management has public targets of ~30% member growth and ~20% revenue growth (CEO comments), a positive long-term target but subject to execution risk — useful for modeling upside if achieved. SoFi Technologies (SOFI) Price Prediction and Forecast 2026-2030
• Neutral Sentiment: SoFi is scheduled to report Q4 results on Jan. 26; previews expect EPS to beat estimates again, so the next earnings release is a potential catalyst (either reinforcing the rally or testing it). Interested in SoFi Technologies? Mark Your Calendar for Jan. 26.
• Neutral Sentiment: Background pieces (e.g., about SoFi’s smart card/ecosystem) remain relevant to the thesis of cross-selling members to higher-margin products, but are older and less likely to move the stock immediately. Is SoFi’s New Smart Card Deepening Its Ecosystem Advantage or Diluting Focus for Investors (SOFI)?

Wall Street Analyst Weigh In

A number of equities research analysts have commented on SOFI shares. Truist Financial decreased their price objective on shares of SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a report on Tuesday, November 25th. Mizuho set a $38.00 target price on shares of SoFi Technologies in a research report on Thursday, October 30th. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Wednesday, October 8th. The Goldman Sachs Group boosted their price objective on shares of SoFi Technologies from $24.00 to $27.00 and gave the stock a “neutral” rating in a research report on Wednesday, October 29th. Finally, JPMorgan Chase & Co. increased their price objective on SoFi Technologies from $24.00 to $26.00 and gave the company a “neutral” rating in a research report on Friday, October 24th. One analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating, twelve have issued a Hold rating and two have issued a Sell rating to the stock. According to data from MarketBeat.com, the stock currently has an average rating of “Hold” and an average price target of $25.69.

SoFi Technologies Stock Performance

The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31. The company has a market cap of $32.85 billion, a price-to-earnings ratio of 50.45 and a beta of 1.93. The stock has a 50 day moving average price of $28.16 and a two-hundred day moving average price of $24.13.

SoFi Technologies (NASDAQ:SOFI) last released its quarterly earnings data on Tuesday, October 28th. The company reported $0.11 EPS for the quarter, beating analysts’ consensus estimates of $0.09 by $0.02. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The business had revenue of $949.63 million during the quarter, compared to the consensus estimate of $880.33 million. During the same quarter in the prior year, the company posted $0.05 earnings per share. The firm’s revenue was up 37.7% on a year-over-year basis. SoFi Technologies has set its FY 2025 guidance at 0.370-0.370 EPS. Analysts predict that SoFi Technologies, Inc. will post 0.26 EPS for the current year.

Insider Activity at SoFi Technologies

In other news, EVP Kelli Keough sold 10,340 shares of SoFi Technologies stock in a transaction on Thursday, November 20th. The shares were sold at an average price of $26.43, for a total transaction of $273,286.20. Following the transaction, the executive vice president directly owned 265,034 shares of the company’s stock, valued at $7,004,848.62. This trade represents a 3.75% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is available through this hyperlink. Also, insider Arun Pinto sold 46,132 shares of the company’s stock in a transaction on Friday, November 21st. The shares were sold at an average price of $24.76, for a total transaction of $1,142,228.32. Following the completion of the sale, the insider owned 138,396 shares of the company’s stock, valued at approximately $3,426,684.96. This represents a 25.00% decrease in their position. The disclosure for this sale is available in the SEC filing. Insiders have sold a total of 66,508 shares of company stock worth $1,699,834 in the last three months. 2.60% of the stock is owned by insiders.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently added to or reduced their stakes in SOFI. Strategic Investment Solutions Inc. IL raised its position in shares of SoFi Technologies by 693.5% during the third quarter. Strategic Investment Solutions Inc. IL now owns 1,230 shares of the company’s stock worth $32,000 after purchasing an additional 1,075 shares during the period. Allworth Financial LP raised its holdings in SoFi Technologies by 390.7% during the 3rd quarter. Allworth Financial LP now owns 117,925 shares of the company’s stock worth $3,116,000 after buying an additional 93,892 shares during the period. Swiss Life Asset Management Ltd lifted its stake in SoFi Technologies by 1,120.3% in the third quarter. Swiss Life Asset Management Ltd now owns 329,637 shares of the company’s stock valued at $8,709,000 after buying an additional 302,625 shares in the last quarter. Liontrust Investment Partners LLP bought a new position in SoFi Technologies in the third quarter valued at approximately $10,608,000. Finally, CIBC Private Wealth Group LLC boosted its holdings in shares of SoFi Technologies by 12.5% in the third quarter. CIBC Private Wealth Group LLC now owns 62,626 shares of the company’s stock valued at $1,655,000 after buying an additional 6,959 shares during the period. 38.43% of the stock is owned by institutional investors and hedge funds.

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.