SoFi Technologies (NASDAQ:SOFI) Rating Increased to Outperform at Citizens Jmp

Citizens Jmp upgraded shares of SoFi Technologies (NASDAQ:SOFI) from a market perform rating to an outperform rating in a research note released on Monday, MarketBeat Ratings reports. The brokerage currently has $30.00 price target on the stock.

A number of other equities analysts have also commented on SOFI. JPMorgan Chase & Co. upgraded shares of SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 price target on the stock in a research report on Tuesday, February 3rd. Needham & Company LLC lowered their price target 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. BTIG Research reissued a “neutral” rating on shares of SoFi Technologies in a research note on Wednesday, October 29th. Truist Financial decreased their price objective 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. Finally, UBS Group set a $24.50 target price on SoFi Technologies in a research report on Monday, February 2nd. One equities research analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating, nine have assigned a Hold rating and three have issued a Sell rating to the stock. According to MarketBeat.com, the stock presently has a consensus rating of “Hold” and an average target price of $26.21.

SoFi Technologies Price Performance

Shares of NASDAQ SOFI opened at $21.35 on Monday. The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80. The company has a market capitalization of $25.75 billion, a price-to-earnings ratio of 56.19 and a beta of 2.13. The company has a 50 day simple moving average of $26.05 and a two-hundred day simple moving average of $26.33. SoFi Technologies has a fifty-two week low of $8.60 and a fifty-two week high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last posted its 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 return on equity of 6.48% and a net margin of 13.34%.The business had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. During the same quarter last year, the company earned $0.05 EPS. The company’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. Analysts expect that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insider Buying and Selling at SoFi Technologies

In related news, insider Arun Pinto sold 46,132 shares of SoFi Technologies stock in a transaction dated 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 owned 138,396 shares of the company’s stock, valued at $3,426,684.96. The trade was 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 company’s stock in a transaction that occurred on Thursday, November 20th. The shares were sold at an average price of $26.43, for a total value of $273,286.20. Following the completion of the sale, the executive vice president owned 265,034 shares in the company, valued at approximately $7,004,848.62. This represents a 3.75% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last 90 days, insiders sold 261,470 shares of company stock valued at $6,276,524. Corporate insiders own 2.60% of the company’s stock.

Institutional Trading of SoFi Technologies

Several hedge funds and other institutional investors have recently added to or reduced their stakes in the company. Valley Wealth Managers Inc. purchased a new stake in shares of SoFi Technologies in the fourth quarter valued at approximately $25,000. Blue Trust Inc. grew its holdings in SoFi Technologies by 655.2% in the 4th quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock valued at $26,000 after buying an additional 878 shares in the last quarter. Central Pacific Bank Trust Division acquired a new stake in shares of SoFi Technologies in the 4th quarter worth $28,000. Salomon & Ludwin LLC acquired a new stake in shares of SoFi Technologies in the 3rd quarter worth $29,000. Finally, Thurston Springer Miller Herd & Titak Inc. purchased a new position in shares of SoFi Technologies during the 4th quarter worth $29,000. Institutional investors and hedge funds own 38.43% of the company’s stock.

Key Headlines Impacting SoFi Technologies

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

• Positive Sentiment: Citizens JMP upgraded SOFI to Outperform with a $30 price target (about 40% upside vs. recent levels), a catalyst driving fresh buy interest and headline momentum. SoFi Technologies Stock Could Rise 40%, Say Analysts. The Fintech Is a Buy.
• Positive Sentiment: Insider/executive buying after the earnings release is being read as management confidence and helped spark intraday gains. SoFi Stock Surges 7% as Executives Buy Shares After Earnings
• Positive Sentiment: Multiple bullish writeups argue the pullback makes SOFI attractive: analysts point to strong member growth, rising fee revenue, high net interest margins, and operating leverage that should drive outsized EPS growth over 2026–27. These narratives are supporting renewed buyer interest. 3 reasons why SoFi’s stock now looks like a buy SoFi Is Much Cheaper Than It Looks
• Neutral Sentiment: Coverage noting SoFi versus peers (eg. PayPal) and broader fintech comparisons is drawing attention but is more thematic than immediate catalyst‑driven. SoFi or PayPal: J.P. Morgan Selects the Superior Fintech Stock to Buy
• Neutral Sentiment: Operational pieces highlight a customer surge that tests SoFi’s blockchain initiatives and global expansion plans — signals of growth potential but also execution risk and integration work. SoFi Customer Surge Tests Blockchain Push And Global Expansion Ambitions
• Negative Sentiment: Shares had been pressured after earnings: GAAP profit fell even as adjusted metrics and membership grew, prompting price‑target cuts and some analyst downgrades/neutral ratings that keep upside dependent on execution. SoFi (SOFI) Is Down 8.5% After GAAP Profit Fell Despite Strong Adjusted Growth And Membership Expansion SoFi Technologies (SOFI) receives price target cuts post earnings
• Negative Sentiment: UBS trimmed its price target (to $24.50) and maintained a Neutral view after mixed quarter results, signaling some analyst caution that limits immediate consensus upside. UBS Lowers SoFi Technologies (SOFI) PT to $24.50 Following Mixed Performance

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.