Traders Purchase Large Volume of Call Options on SoFi Technologies (NASDAQ:SOFI)

SoFi Technologies, Inc. (NASDAQ:SOFI) was the target of unusually large options trading activity on Wednesday. Traders purchased 439,067 call options on the stock. This represents an increase of approximately 14% compared to the average volume of 386,767 call options.

Insider Activity at SoFi Technologies

In related news, EVP Kelli Keough sold 10,954 shares of SoFi Technologies stock in a transaction that occurred on Monday, July 20th. The shares were sold at an average price of $17.19, for a total value of $188,299.26. Following the transaction, the executive vice president directly owned 367,728 shares of the company’s stock, valued at $6,321,244.32. This trade represents a 2.89% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CEO Anthony Noto acquired 15,545 shares of the stock in a transaction on Monday, May 11th. The shares were purchased at an average price of $16.00 per share, with a total value of $248,720.00. Following the completion of the transaction, the chief executive officer owned 11,946,619 shares of the company’s stock, valued at approximately $191,145,904. This represents a 0.13% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. Insiders have sold 135,256 shares of company stock valued at $2,370,822 over the last three months. 2.50% of the stock is owned by insiders.

Institutional Trading of SoFi Technologies

Several institutional investors have recently modified their holdings of SOFI. Capital Advisors Wealth Management LLC increased its holdings in SoFi Technologies by 0.4% in the fourth quarter. Capital Advisors Wealth Management LLC now owns 109,483 shares of the company’s stock valued at $2,866,000 after purchasing an additional 401 shares during the period. First Horizon Corp lifted its holdings in SoFi Technologies by 14.9% during the 4th quarter. First Horizon Corp now owns 3,116 shares of the company’s stock worth $82,000 after buying an additional 405 shares during the period. Cigna Investments Inc. New grew its position in shares of SoFi Technologies by 3.8% in the 4th quarter. Cigna Investments Inc. New now owns 11,440 shares of the company’s stock valued at $299,000 after buying an additional 416 shares during the last quarter. Wealthspan Partners LLC grew its position in shares of SoFi Technologies by 2.4% in the 4th quarter. Wealthspan Partners LLC now owns 18,901 shares of the company’s stock valued at $495,000 after buying an additional 450 shares during the last quarter. Finally, ORG Partners LLC grew its position in shares of SoFi Technologies by 31.6% in the 4th quarter. ORG Partners LLC now owns 1,892 shares of the company’s stock valued at $50,000 after buying an additional 454 shares during the last quarter. Institutional investors own 38.43% of the company’s stock.

Key Stories Impacting SoFi Technologies

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

• Positive Sentiment: Quarterly results exceeded expectations. SoFi reported second-quarter revenue of $1.21 billion, up 42.5% year over year and above the $1.11 billion consensus estimate. Adjusted EPS of $0.12 also topped expectations of $0.11, compared with $0.08 a year earlier. SoFi quarterly earnings report
• Positive Sentiment: Growth metrics remained strong. Membership increased 35% to 15.8 million, while total loan originations reached a record $14.8 billion. Existing members generated 51% of new products, supporting SoFi’s strategy of cross-selling banking, lending and investment services. SoFi record revenue and membership growth
• Positive Sentiment: Revenue outlook was raised. SoFi now expects 2026 revenue of approximately $4.8 billion to $4.9 billion, above the roughly $4.7 billion analyst consensus. Management also highlighted artificial intelligence investments intended to improve engineering productivity and customer service over the long term. Reuters SoFi forecast update
• Neutral Sentiment: Options activity signals heightened speculation. Traders purchased 439,067 call options, about 14% above average call volume. The activity may indicate bullish interest, but it also underscores elevated volatility around the earnings report.
• Negative Sentiment: Profit guidance was left unchanged. Despite the revenue increase, SoFi maintained full-year 2026 EPS guidance at $0.60, only modestly above the $0.59 consensus. Investors may view the lack of an earnings upgrade as evidence that incremental growth could require continued spending or face margin pressure.
• Negative Sentiment: Investors remain concerned about execution and rates. Uncertainty over U.S. interest rates, lending economics, credit performance and the cost of supporting rapid expansion is weighing on sentiment. SoFi’s elevated valuation makes the stock particularly sensitive when strong revenue growth does not translate into higher profit expectations. MarketWatch analysis of SoFi stock reaction

SoFi Technologies Trading Down 8.7%

Shares of SoFi Technologies stock traded down $1.46 on Wednesday, hitting $15.28. The stock had a trading volume of 170,959,194 shares, compared to its average volume of 70,452,164. The stock has a 50 day moving average of $17.27 and a 200 day moving average of $18.61. The firm has a market capitalization of $19.60 billion, a P/E ratio of 34.86 and a beta of 2.14. SoFi Technologies has a twelve month low of $14.01 and a twelve month high of $32.73. The company has a debt-to-equity ratio of 0.17, a quick ratio of 0.13 and a current ratio of 0.75.

SoFi Technologies (NASDAQ:SOFI) last posted its earnings results on Wednesday, July 29th. The company reported $0.12 EPS for the quarter, topping the consensus estimate of $0.11 by $0.01. SoFi Technologies had a net margin of 14.65% and a return on equity of 6.25%. The business had revenue of $1.21 billion for the quarter, compared to the consensus estimate of $1.11 billion. During the same period last year, the company earned $0.08 EPS. The firm’s revenue was up 42.5% compared to the same quarter last year. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. Sell-side analysts expect that SoFi Technologies will post 0.59 earnings per share for the current fiscal year.

Analyst Ratings Changes

SOFI has been the topic of several research analyst reports. Weiss Ratings lowered SoFi Technologies from a “hold (c)” rating to a “hold (c-)” rating in a research note on Tuesday, May 26th. Argus assumed coverage on SoFi Technologies in a research note on Wednesday, April 15th. They set a “hold” rating for the company. UBS Group dropped their target price on shares of SoFi Technologies from $24.50 to $21.00 and set a “neutral” rating for the company in a report on Thursday, April 30th. Mizuho set a $29.00 price target on shares of SoFi Technologies in a research note on Wednesday, May 6th. Finally, Deutsche Bank Aktiengesellschaft reaffirmed a “hold” rating and set a $18.00 price target on shares of SoFi Technologies in a report on Thursday, April 30th. Seven investment analysts have rated the stock with a Buy rating, eleven have issued a Hold rating and three have given a Sell rating to the company. According to MarketBeat.com, the stock presently has a consensus rating of “Hold” and a consensus price target of $22.83.

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.