SoFi Technologies (NASDAQ:SOFI) Rating Increased to Overweight at JPMorgan Chase & Co.

JPMorgan Chase & Co. upgraded shares of SoFi Technologies (NASDAQ:SOFI) from a neutral rating to an overweight rating in a report issued on Tuesday morning, MarketBeat reports. They currently have $31.00 price objective on the stock.

A number of other research analysts have also issued reports on SOFI. Weiss Ratings restated a “hold (c)” rating on shares of SoFi Technologies in a research report on Thursday, January 22nd. Truist Financial reduced their price target on shares of SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a report on Tuesday, November 25th. UBS Group set a $24.50 price objective on shares of SoFi Technologies in a report on Monday. Needham & Company LLC reduced their target price on shares of SoFi Technologies from $36.00 to $33.00 and set a “buy” rating for the company in a research note on Monday. Finally, Keefe, Bruyette & Woods upped their target price on shares of SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a research report on Wednesday, October 29th. One research analyst has rated the stock with a Strong Buy rating, six have assigned a Buy rating, eleven have issued a Hold rating and three have issued a Sell rating to the company. According to MarketBeat, SoFi Technologies has a consensus rating of “Hold” and a consensus target price of $25.44.

SoFi Technologies Stock Down 1.4%

SOFI stock opened at $21.76 on Tuesday. The firm has a market cap of $26.24 billion, a price-to-earnings ratio of 57.26, a PEG ratio of 1.36 and a beta of 2.13. SoFi Technologies has a 1-year low of $8.60 and a 1-year high of $32.73. The firm has a fifty day moving average price of $26.72 and a two-hundred day moving average price of $26.34. The company has a debt-to-equity ratio of 0.31, a current ratio of 0.80 and a quick ratio of 0.16.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Friday, January 30th. The company reported $0.13 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 6.48%. The business 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 EPS. The company’s quarterly revenue was up 39.6% on a year-over-year basis. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. Research analysts predict that SoFi Technologies will post 0.26 EPS for the current year.

Insider Buying and Selling

In other news, insider Arun Pinto sold 46,132 shares of the company’s stock in a transaction on Friday, November 21st. The stock was 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 directly owned 138,396 shares of the company’s stock, valued at $3,426,684.96. This represents a 25.00% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is available at the SEC website. Also, CTO Jeremy Rishel sold 91,837 shares of the company’s stock in a transaction dated 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 directly owned 794,598 shares of the company’s stock, valued at $21,168,090.72. This represents a 10.36% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders have sold 167,245 shares of company stock worth $4,362,815 in the last ninety days. 2.60% of the stock is currently owned by corporate insiders.

Institutional Trading of SoFi Technologies

Several large investors have recently added to or reduced their stakes in the company. Blue Trust Inc. lifted its stake in SoFi Technologies by 655.2% in the 4th quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock worth $26,000 after acquiring an additional 878 shares in the last quarter. Central Pacific Bank Trust Division purchased a new stake in shares of SoFi Technologies in the fourth quarter worth approximately $28,000. Thurston Springer Miller Herd & Titak Inc. acquired a new stake in shares of SoFi Technologies during the fourth quarter worth approximately $29,000. SJS Investment Consulting Inc. grew its position in SoFi Technologies by 840.3% during the third quarter. SJS Investment Consulting Inc. now owns 1,119 shares of the company’s stock valued at $30,000 after purchasing an additional 1,000 shares in the last quarter. Finally, Salomon & Ludwin LLC acquired a new position in SoFi Technologies in the 3rd quarter valued at approximately $29,000. 38.43% of the stock is owned by institutional investors and hedge funds.

Key SoFi Technologies News

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

• Positive Sentiment: J.P. Morgan upgraded SOFI from Neutral to Overweight and set a $31 price target, citing “undeniable momentum” across the business — a clear buy-side catalyst that supports upside from current levels. SoFi upgraded to Overweight at J.P. Morgan on ‘undeniable’ momentum
• Positive Sentiment: Quarterly results were strong: >$1B revenue in Q4, ~$174M net income, double-digit adjusted net income margin and 53% fee-based revenue growth — data points that validate the company’s cross‑sell strategy and support management’s bullish FY2026 guidance. Earnings strength is a fundamental tailwind. SoFi Technologies: Blowout Q4 Earnings Meet Fearful Market
• Positive Sentiment: Multiple bullish analyses argue the recent pullback is overdone given improving execution (originations, deposits, fee revenue) — this narrative can attract value/momentum buyers on dips. SoFi: Selloff Looks Well Overdone As Execution Keeps Improving
• Neutral Sentiment: SoFi announced the planned liquidation and closure of the SoFi Next 500 ETF (SFYX) with final trading expected Feb 18 — a corporate/brand item with limited direct impact on core banking/lending operations. SoFi Announces Plan to Liquidate and Close the SoFi Next 500 ETF (SFYX)
• Neutral Sentiment: Industry coverage notes fintechs (including SoFi) benefit from digital payments, AI and blockchain trends; sector tailwinds are supportive but not unique to SOFI. Fintech Stocks Offer a Resilient Path Toward Sustainable Returns
• Negative Sentiment: Despite the beat, shares slid in recent trading as some investors focused on stretched valuation metrics (high P/E and P/S vs. peers) and used earnings as a chance to take profits. That market reaction is pressuring near-term performance. SoFi Slides In Monday Premarket Despite Q4 Earnings Beat, Strong Growth Outlook
• Negative Sentiment: Analyst positioning is mixed: Needham trimmed its price target from $36 to $33 (still a Buy), which signals some downward revision risk in near-term estimates despite bullish longer-term views. SoFi Technologies (SOFI) PT Lowered to $33 at Needham

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.