SoFi Technologies (NASDAQ:SOFI) Trading Up 7.2% on Insider Buying Activity

SoFi Technologies, Inc. (NASDAQ:SOFI)’s stock price shot up 7.2% on Friday after an insider bought additional shares in the company. The company traded as high as $21.16 and last traded at $20.86. 66,202,694 shares were traded during mid-day trading, an increase of 12% from the average session volume of 59,261,832 shares. The stock had previously closed at $19.46.

Specifically, General Counsel Robert S. Lavet purchased 5,000 shares of the company’s stock in a transaction on Friday, February 6th. The shares were purchased at an average price of $21.04 per share, with a total value of $105,200.00. Following the purchase, the general counsel directly owned 17,172 shares of the company’s stock, valued at $361,298.88. This trade represents a 41.08% increase in their position. The transaction was disclosed in a filing with the SEC, which can be accessed through this link. Also, EVP Eric Schuppenhauer bought 5,000 shares of the company’s stock in a transaction that occurred on Thursday, February 5th. The stock was purchased at an average cost of $19.93 per share, for a total transaction of $99,650.00. Following the transaction, the executive vice president owned 228,768 shares in the company, valued at $4,559,346.24. The trade was a 2.23% increase in their position. The SEC filing for this purchase provides additional information.

Analyst Upgrades and Downgrades

SOFI has been the subject of a number of recent analyst reports. Weiss Ratings reiterated a “hold (c)” rating on shares of SoFi Technologies in a research note on Thursday, January 22nd. Mizuho set a $38.00 target price on shares of SoFi Technologies in a research note on Thursday, October 30th. 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 research report on Tuesday, November 25th. Keefe, Bruyette & Woods raised their price objective on SoFi Technologies from $18.00 to $20.00 and gave the company an “underperform” rating in a research report on Wednesday, October 29th. Finally, Needham & Company LLC reduced their target price on SoFi Technologies from $36.00 to $33.00 and set a “buy” rating for the company in a research note on Monday, February 2nd. One equities research analyst has rated the stock with a Strong Buy rating, six have assigned a Buy rating, ten have given a Hold rating and three have given a Sell rating to the company. According to data from MarketBeat, SoFi Technologies currently has an average rating of “Hold” and a consensus price target of $25.44.

More SoFi Technologies News

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

• Positive Sentiment: Q4 beat and bullish 2026 outlook — SoFi reported its first $1B revenue quarter, record profitability, and guided to roughly 30% revenue growth and 52% adj. EBITDA growth for 2026, supporting a shift toward higher‑margin, fee‑based revenues. SoFi Technologies: Pound The Table Moment As Upgrades From Large Banks Roll In
• Positive Sentiment: Broker upgrade — JPMorgan upgraded SoFi to Overweight, adding institutional credibility that can attract flows. JPMorgan Chase & Co. Upgrades SoFi Technologies (NASDAQ:SOFI) to Overweight
• Positive Sentiment: Insider buying — EVP Eric Schuppenhauer purchased 5,000 shares at ~$19.93, increasing his stake; insider buys often signal management confidence. Eric Schuppenhauer Acquires 5,000 Shares of SoFi Technologies (NASDAQ:SOFI) Stock
• Positive Sentiment: Analyst commentary and buy‑case pieces highlight opportunity after the pullback — multiple notes and SA writeups argue the correction creates a buying opportunity given durable cross‑sell, tranche demand in lending, and margin expansion. SoFi: Recent Pullback Creates Opportunity As 2026 Catalysts Line Up
• Neutral Sentiment: Investor interest/coverage pieces — Zacks and other outlets are flagging SOFI as a highly searched stock and debating buy/hold/sell after Q4; useful context but not a direct catalyst. Is Most-Watched Stock SoFi Technologies, Inc. (SOFI) Worth Betting on Now?
• Neutral Sentiment: Market recap and institutional flows — MarketBeat notes Q4 beats, mixed analyst targets and some hedge‑fund rebalancing; institutional buying can support the run but consensus rating remains around “Hold.” SoFi Technologies Trading Coverage
• Negative Sentiment: Analyst downgrades and prior sharp pullback — Some firms have issued downgrades and lower targets, and the stock had a >20% pullback after earnings, leaving it below key moving averages and keeping risk elevated (high beta). SoFi Technologies (NASDAQ:SOFI) Shares Down 1.4% Following Analyst Downgrade
• Negative Sentiment: Bear-case reminders — Skeptical pieces emphasize valuation (PE >50), execution risk as growth normalizes, and sensitivity to macro/credit conditions. SoFi Technologies: Back To Earth After Meltdown – Correction Buying Opportunity

SoFi Technologies Stock Performance

The company has a fifty day moving average of $26.20 and a two-hundred day moving average of $26.26. The firm has a market capitalization of $25.16 billion, a price-to-earnings ratio of 54.90, a PEG ratio of 1.19 and a beta of 2.13. The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80.

SoFi Technologies (NASDAQ:SOFI) last released its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, topping analysts’ consensus estimates 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 for the quarter, compared to analyst estimates of $984.75 million. During the same period last year, the firm earned $0.05 earnings per share. SoFi Technologies’s revenue for the quarter 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, equities research analysts predict that SoFi Technologies, Inc. will post 0.26 earnings per share for the current fiscal year.

Institutional Inflows and Outflows

Institutional investors have recently added to or reduced their stakes in the company. Mitsubishi UFJ Asset Management Co. Ltd. increased its stake in shares of SoFi Technologies by 12.5% in the 2nd quarter. Mitsubishi UFJ Asset Management Co. Ltd. now owns 4,879,959 shares of the company’s stock valued at $88,864,000 after acquiring an additional 540,610 shares in the last quarter. Blair William & Co. IL boosted its stake in SoFi Technologies by 443.9% during the second quarter. Blair William & Co. IL now owns 335,698 shares of the company’s stock worth $6,113,000 after acquiring an additional 273,972 shares in the last quarter. Vestmark Advisory Solutions Inc. acquired a new stake in SoFi Technologies in the second quarter worth $209,000. Quantbot Technologies LP bought a new stake in SoFi Technologies in the second quarter valued at $25,699,000. Finally, Marex Group plc acquired a new position in shares of SoFi Technologies during the second quarter valued at about $11,179,000. 38.43% of the stock is currently 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.