SoFi Technologies (NASDAQ:SOFI) Trading Down 1.4% on Analyst Downgrade

Shares of SoFi Technologies, Inc. (NASDAQ:SOFI) fell 1.4% during mid-day trading on Tuesday after Needham & Company LLC lowered their price target on the stock from $36.00 to $33.00. Needham & Company LLC currently has a buy rating on the stock. SoFi Technologies traded as low as $21.02 and last traded at $21.76. 91,823,922 shares traded hands during mid-day trading, an increase of 62% from the average session volume of 56,695,797 shares. The stock had previously closed at $22.08.

Several other equities analysts have also recently weighed in on SOFI. Truist Financial lowered their price target on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating on the stock in a report on Tuesday, November 25th. The Goldman Sachs Group dropped their target price on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a research report on Tuesday, January 6th. Weiss Ratings restated a “hold (c)” rating on shares of SoFi Technologies in a research note on Thursday, January 22nd. Mizuho set a $38.00 price objective on shares of SoFi Technologies in a research note on Thursday, October 30th. Finally, BTIG Research reissued a “neutral” rating on shares of SoFi Technologies in a report on Wednesday, October 29th. One research analyst has rated the stock with a Strong Buy rating, six have issued a Buy rating, eleven have assigned a Hold rating and three have given a Sell rating to the company. Based on data from MarketBeat.com, the company currently has a consensus rating of “Hold” and an average target price of $25.44.

Insider Activity at SoFi Technologies

In other SoFi Technologies news, insider Arun Pinto sold 46,132 shares of the company’s stock in a transaction that occurred on Friday, November 21st. The shares were sold at an average price of $24.76, for a total value of $1,142,228.32. Following the completion of the transaction, the insider directly owned 138,396 shares in the company, valued at $3,426,684.96. This represents a 25.00% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available through this hyperlink. Also, EVP Kelli Keough sold 10,340 shares of the stock in a transaction on Thursday, November 20th. The stock was sold at an average price of $26.43, for a total transaction of $273,286.20. Following the completion of the sale, the executive vice president directly owned 265,034 shares of the company’s stock, valued at approximately $7,004,848.62. This trade represents a 3.75% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last ninety days, insiders sold 167,245 shares of company stock worth $4,362,815. 2.60% of the stock is owned by company insiders.

Key Headlines Impacting SoFi Technologies

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

Institutional Investors Weigh In On SoFi Technologies

A number of institutional investors have recently bought and sold shares of the business. Norges Bank bought a new position in shares of SoFi Technologies in the second quarter worth about $164,068,000. Vanguard Group Inc. lifted its holdings in SoFi Technologies by 6.8% in the 3rd quarter. Vanguard Group Inc. now owns 107,102,212 shares of the company’s stock worth $2,829,640,000 after purchasing an additional 6,814,727 shares in the last quarter. Quadrature Capital Ltd bought a new position in SoFi Technologies in the 2nd quarter worth approximately $115,188,000. State Street Corp boosted its stake in SoFi Technologies by 30.7% in the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company’s stock worth $642,019,000 after purchasing an additional 5,708,053 shares during the period. Finally, Marshall Wace LLP grew its holdings in SoFi Technologies by 88.2% during the 2nd quarter. Marshall Wace LLP now owns 7,997,146 shares of the company’s stock valued at $145,628,000 after buying an additional 3,748,817 shares in the last quarter. Hedge funds and other institutional investors own 38.43% of the company’s stock.

SoFi Technologies Stock Performance

The firm’s 50-day moving average price is $26.72 and its 200-day moving average price is $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. The stock has a market cap of $26.24 billion, a P/E ratio of 57.26, a PEG ratio of 1.36 and a beta of 2.13.

SoFi Technologies (NASDAQ:SOFI) last issued its earnings results on Friday, January 30th. The company reported $0.13 earnings per share for the quarter, topping analysts’ consensus estimates of $0.12 by $0.01. The firm had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. SoFi Technologies had a net margin of 13.34% and a return on equity of 6.48%. SoFi Technologies’s revenue for the quarter was up 39.6% on a year-over-year basis. During the same quarter in the prior year, the business earned $0.05 earnings per share. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. Sell-side analysts expect that SoFi Technologies, Inc. will post 0.26 earnings per share for the current fiscal year.

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.