SoFi Technologies (NASDAQ:SOFI) Trading Down 1.8% – Time to Sell?

SoFi Technologies, Inc. (NASDAQ:SOFI)’s stock price fell 1.8% during trading on Friday . The stock traded as low as $18.12 and last traded at $18.90. 74,672,286 shares were traded during trading, an increase of 20% from the average session volume of 62,390,031 shares. The stock had previously closed at $19.25.

Key SoFi Technologies News

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

• Positive Sentiment: Mastercard partnership expands SoFiUSD settlement reach, positioning SoFi to capture cross-border and merchant settlement flows and boosting credibility for its fully reserved stablecoin; a material distribution channel if adoption grows. SoFi (SOFI), Mastercard (MA) Partner to Integrate SoFiUSD Stablecoin for Global Settlement
• Positive Sentiment: SoFi selected BitGo to power custody/distribution for SoFiUSD, lowering execution risk for launches and signaling institutional-grade infrastructure behind the stablecoin. SoFi Selects BitGo to Power Bank-Issued Stablecoin
• Positive Sentiment: SoFiUSD has been enabled across Mastercard’s payments network in multiple announcements — this repetition in press coverage highlights distribution momentum that could translate into payments volume and new revenue streams. SoFi’s stablecoin joins Mastercard’s network
• Positive Sentiment: Unusual options activity: a large uptick in call purchases suggests short-term bullish positioning by traders, which can amplify intraday moves if sentiment continues. (Intraday options volume data)
• Neutral Sentiment: SoFi is running member-facing product initiatives (e.g., private-market access via Templum) that diversify revenue and deepen member engagement, supporting long-term monetization but with uncertain short-term earnings impact. Templum to Offer Private Market Opportunities to SoFi Members
• Neutral Sentiment: Several bullish long-term narratives and retail-targeted features appear in opinion pieces (The Motley Fool, others), which can support investor interest but are speculative and not guaranteed to move near-term fundamentals. Is SoFi Technologies Stock Your Ticket to Becoming a Millionaire?
• Negative Sentiment: Analysts remain mixed: Truist reaffirmed a Hold and cut its price target, and consensus ratings skew toward Hold — that analyst caution keeps downward pressure on the stock while investors wait for consistent margin/earnings beats to justify current multiples. Analyst Opinion Mixed on SoFi Technologies (SOFI) Stock

Analysts Set New Price Targets

Several research firms recently weighed in on SOFI. Citizens Jmp upgraded SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 price target on the stock in a research note on Monday, February 9th. UBS Group set a $24.50 target price on SoFi Technologies in a research note on Monday, February 2nd. Barclays lifted their price target 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. Bank of America initiated coverage on shares of SoFi Technologies in a research report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price objective on the stock. Finally, Needham & Company LLC decreased their target price on shares of SoFi Technologies from $36.00 to $33.00 and set a “buy” rating for the company in a report on Monday, February 2nd. Seven investment analysts have rated the stock with a Buy rating, eight have assigned a Hold rating and three have issued a Sell rating to the company’s stock. Based on data from MarketBeat, the stock has a consensus rating of “Hold” and an average price target of $26.34.

SoFi Technologies Price Performance

The stock has a market capitalization of $24.10 billion, a P/E ratio of 49.74 and a beta of 2.20. The company has a debt-to-equity ratio of 0.17, a quick ratio of 0.18 and a current ratio of 0.78. The firm has a fifty day moving average price of $23.11 and a two-hundred day moving average price of $25.89.

SoFi Technologies (NASDAQ:SOFI) last announced its earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.12 by $0.01. SoFi Technologies had a net margin of 13.34% and a return on equity of 5.88%. The company had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. During the same period in the previous year, the business posted $0.05 earnings per share. The firm’s quarterly revenue was up 39.6% compared to the same quarter last year. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. As a group, analysts expect that SoFi Technologies, Inc. will post 0.26 EPS for the current fiscal year.

Insider Activity

In other SoFi Technologies news, General Counsel Robert S. Lavet purchased 5,000 shares of the firm’s stock in a transaction on Friday, February 6th. The shares were acquired at an average cost of $21.04 per share, with a total value of $105,200.00. Following the completion of the acquisition, the general counsel directly owned 17,172 shares in the company, valued at $361,298.88. The trade was a 41.08% increase in their ownership of the stock. The purchase was disclosed in a legal filing with the SEC, which is available through the SEC website. Also, EVP Kelli Keough sold 9,755 shares of the company’s stock in a transaction dated Friday, February 20th. The stock was sold at an average price of $18.87, for a total value of $184,076.85. Following the completion of the transaction, the executive vice president directly owned 293,725 shares of the company’s stock, valued at approximately $5,542,590.75. This trade represents a 3.21% decrease in their position. The disclosure for this sale is available in the SEC filing. Over the last ninety days, insiders sold 214,753 shares of company stock worth $5,045,087. 2.60% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Large investors have recently added to or reduced their stakes in the business. Vanguard Group Inc. raised its position 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 valued at $2,906,061,000 after buying an additional 3,900,895 shares in the last quarter. State Street Corp increased its stake in SoFi Technologies by 6.7% during the fourth quarter. State Street Corp now owns 25,937,928 shares of the company’s stock worth $679,055,000 after acquiring an additional 1,637,430 shares during the last quarter. Geode Capital Management LLC increased its stake 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 acquiring an additional 1,951,248 shares during the last quarter. Morgan Stanley lifted its stake in shares of SoFi Technologies by 33.6% in the 4th quarter. Morgan Stanley now owns 13,323,366 shares of the company’s stock valued at $348,806,000 after purchasing an additional 3,350,258 shares during the last quarter. Finally, Norges Bank bought a new stake in shares of SoFi Technologies in the 4th quarter valued at approximately $321,515,000. 38.43% of the stock is owned by hedge funds and other institutional investors.

SoFi Technologies Company Profile

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.