The Goldman Sachs Group Has Lowered Expectations for SoFi Technologies (NASDAQ:SOFI) Stock Price

SoFi Technologies (NASDAQ:SOFI) had its price objective dropped by equities research analysts at The Goldman Sachs Group from $25.00 to $20.00 in a note issued to investors on Tuesday,Benzinga reports. The firm presently has a “neutral” rating on the stock. The Goldman Sachs Group’s price objective points to a potential upside of 6.44% from the stock’s current price.

SOFI has been the subject of a number of other research reports. JPMorgan Chase & Co. raised SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 target price for the company in a report on Tuesday, February 3rd. Barclays reduced their target price on SoFi Technologies from $28.00 to $18.00 and set an “equal weight” rating for the company in a report on Monday, April 6th. Keefe, Bruyette & Woods reduced their target price on SoFi Technologies from $20.00 to $17.00 and set an “underperform” rating for the company in a report on Thursday, April 9th. Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Finally, UBS Group set a $24.50 target price on SoFi Technologies in a report on Monday, February 2nd. Seven research analysts have rated the stock with a Buy rating, ten have assigned a Hold rating and three have assigned a Sell rating to the company’s stock. According to MarketBeat.com, the stock currently has a consensus rating of “Hold” and a consensus target price of $24.85.

SoFi Technologies Stock Performance

NASDAQ SOFI opened at $18.79 on Tuesday. The stock has a market capitalization of $23.96 billion, a price-to-earnings ratio of 49.45 and a beta of 2.24. SoFi Technologies has a twelve month low of $10.41 and a twelve month high of $32.73. The company has a current ratio of 0.78, a quick ratio of 0.18 and a debt-to-equity ratio of 0.17. The stock has a 50-day moving average of $17.97 and a 200 day moving average of $24.01.

SoFi Technologies (NASDAQ:SOFI) last announced its earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a return on equity of 5.88% and a net margin of 13.34%.The business had revenue of $1.01 billion during the quarter, compared to analysts’ expectations of $984.75 million. During the same quarter in the prior year, the firm earned $0.05 earnings per share. The business’s 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. Sell-side analysts anticipate that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insiders Place Their Bets

In related news, CEO Anthony Noto purchased 28,900 shares of the company’s stock in a transaction dated Tuesday, March 17th. The stock was acquired at an average cost of $17.32 per share, for a total transaction of $500,548.00. Following the completion of the transaction, the chief executive officer directly owned 11,704,352 shares of the company’s stock, valued at approximately $202,719,376.64. This trade represents a 0.25% increase in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through this link. Also, CTO Jeremy Rishel sold 94,958 shares of the company’s stock in a transaction that occurred on Wednesday, March 18th. The shares were sold at an average price of $17.43, for a total value of $1,655,117.94. Following the completion of the sale, the chief technology officer owned 839,640 shares of the company’s stock, valued at $14,634,925.20. This trade represents a 10.16% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Over the last ninety days, insiders bought 38,900 shares of company stock valued at $705,398 and sold 218,148 shares valued at $4,161,735. 2.60% of the stock is currently owned by company insiders.

Institutional Investors Weigh In On SoFi Technologies

A number of large investors have recently made changes to their positions in the stock. Vanguard Group Inc. grew its position in SoFi Technologies by 6.8% in the third quarter. Vanguard Group Inc. now owns 107,102,212 shares of the company’s stock worth $2,829,640,000 after acquiring an additional 6,814,727 shares during the period. Firsthand Capital Management Inc. grew its position in SoFi Technologies by 60.0% in the third quarter. Firsthand Capital Management Inc. now owns 80,000 shares of the company’s stock worth $2,114,000 after acquiring an additional 30,000 shares during the period. SG Americas Securities LLC grew its position in SoFi Technologies by 161.6% in the fourth quarter. SG Americas Securities LLC now owns 902,392 shares of the company’s stock worth $23,625,000 after acquiring an additional 557,390 shares during the period. Thoroughbred Financial Services LLC grew its position in SoFi Technologies by 212.2% in the third quarter. Thoroughbred Financial Services LLC now owns 40,140 shares of the company’s stock worth $1,060,000 after acquiring an additional 27,283 shares during the period. Finally, Jones Financial Companies Lllp grew its position in SoFi Technologies by 15.2% in the third quarter. Jones Financial Companies Lllp now owns 458,703 shares of the company’s stock worth $12,835,000 after acquiring an additional 60,676 shares during the period. 38.43% of the stock is currently owned by hedge funds and other institutional investors.

Key SoFi Technologies News

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

• Positive Sentiment: Unusual bullish options activity — investors bought ~612,015 call options (≈+53% vs. average daily call volume), a large single-day accumulation that signals short-term bullish positioning and likely contributed to upward price pressure.
• Positive Sentiment: Long-form bullish thesis — a Seeking Alpha piece argues SOFI is a buy-the-dip opportunity citing strong member and revenue growth, expanding margins, and product expansion (stablecoin, Mastercard partnership), reinforcing a positive sentiment narrative for investors. SoFi: This Fintech Leader Is Ready To Rebound
• Positive Sentiment: Brand & customer-engagement initiative — SoFi launched the “Amplify Your Ambitions” contest with Kelsea Ballerini and the CMA, a marketing push that can help member acquisition and brand awareness over time. Business Wire
• Neutral Sentiment: Investor attention pieces — Zacks/Yahoo note elevated user interest in SOFI, which can increase flow and volatility but is information-neutral until it translates into fundamentals or sustained flows. Zacks: SOFI is Attracting Investor Attention
• Neutral Sentiment: ETF product activity — SoFi announced monthly distributions for its SoFi Enhanced Yield ETF (THTA), indicating active asset-management operations but limited direct impact on the SOFI stock valuation. THTA distribution notice
• Neutral Sentiment: New coverage — Argus initiated coverage with a “hold” rating; neutral research can stabilize sentiment but doesn’t provide a strong catalyst. Benzinga: Argus coverage
• Neutral Sentiment: Comparative pieces and tracking — industry comparisons and “head-to-head” surveys are being published, increasing analyst/investor focus but not immediately changing fundamentals. AmericanBankingNews SOFI vs SWKH
• Negative Sentiment: Analyst downgrade/target cut — Goldman Sachs lowered its price target from $25 to $20 and kept a neutral rating, reducing upside expectations and putting near-term valuation pressure on the shares. Benzinga: Goldman price target cut
• Negative Sentiment: Valuation scrutiny around FedNow rollout — coverage highlights that FedNow and related tech growth expectations could test SOFI’s valuation, a cautionary point for investors who worry the market has priced in aggressive growth. Yahoo: FedNow rollout tests valuation

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.