SoFi Technologies, Inc. (NASDAQ:SOFI) Given Average Rating of “Hold” by Brokerages

SoFi Technologies, Inc. (NASDAQ:SOFI) has been assigned a consensus rating of “Hold” from the twenty research firms that are covering the company, MarketBeat reports. Three analysts have rated the stock with a sell rating, ten have issued a hold rating, six have issued a buy rating and one has given a strong buy rating to the company. The average 1-year price objective among brokers that have issued ratings on the stock in the last year is $25.4412.

SOFI has been the subject of a number of research reports. Needham & Company LLC decreased 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, February 2nd. Truist Financial reduced their price objective on SoFi Technologies from $31.00 to $28.00 and set a “hold” rating for the company in a research report on Tuesday, November 25th. Keefe, Bruyette & Woods upped their target price on SoFi Technologies from $18.00 to $20.00 and gave the stock an “underperform” rating in a research report on Wednesday, October 29th. Jefferies Financial Group reiterated a “buy” rating and set a $35.00 price target on shares of SoFi Technologies in a report on Tuesday, October 28th. Finally, Barclays increased their price objective on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a report on Tuesday, January 6th.

Trending Headlines about SoFi Technologies

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

Shares of SoFi Technologies stock opened at $20.86 on Friday. The stock has a market cap of $25.16 billion, a PE ratio of 54.90, a price-to-earnings-growth ratio of 1.28 and a beta of 2.13. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73. The company has a quick ratio of 0.16, a current ratio of 0.80 and a debt-to-equity ratio of 0.31. The business has a fifty day simple moving average of $26.20 and a 200-day simple moving average of $26.29.

SoFi Technologies (NASDAQ:SOFI) last announced its quarterly earnings data on Friday, January 30th. The company reported $0.13 EPS 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 return on equity of 6.48% and a net margin of 13.34%.The business’s quarterly revenue was up 39.6% compared to the same quarter last year. During the same period last year, the company posted $0.05 EPS. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. On average, sell-side analysts anticipate that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insiders Place Their Bets

In other SoFi Technologies news, EVP Eric Schuppenhauer acquired 5,000 shares of the firm’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 completion of the acquisition, the executive vice president owned 228,768 shares of the company’s stock, valued at approximately $4,559,346.24. This trade represents a 2.23% increase in their position. The transaction was disclosed in a document filed with the SEC, which can be accessed through the SEC website. Also, General Counsel Robert S. Lavet bought 5,000 shares of the business’s stock in a transaction on Friday, February 6th. The shares were bought at an average price of $21.04 per share, for a total transaction of $105,200.00. Following the completion of the acquisition, the general counsel owned 17,172 shares of the company’s stock, valued at approximately $361,298.88. This represents a 41.08% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. Insiders have sold 167,245 shares of company stock worth $4,362,815 in the last 90 days. 2.60% of the stock is owned by corporate insiders.

Hedge Funds Weigh In On SoFi Technologies

Several hedge funds and other institutional investors have recently added to or reduced their stakes in the stock. Lake Street Private Wealth LLC grew its stake in SoFi Technologies by 4.9% in the 4th quarter. Lake Street Private Wealth LLC now owns 8,368 shares of the company’s stock valued at $219,000 after buying an additional 390 shares during the last quarter. Xcel Wealth Management LLC boosted its holdings in SoFi Technologies by 0.6% during the third quarter. Xcel Wealth Management LLC now owns 70,932 shares of the company’s stock valued at $1,874,000 after acquiring an additional 392 shares during the period. Capital Advisors Wealth Management LLC grew its position in shares of SoFi Technologies by 0.4% in the fourth quarter. Capital Advisors Wealth Management LLC now owns 109,483 shares of the company’s stock valued at $2,866,000 after purchasing an additional 401 shares during the last quarter. First Horizon Corp increased its stake in shares of SoFi Technologies by 14.9% in the fourth quarter. First Horizon Corp now owns 3,116 shares of the company’s stock worth $82,000 after purchasing an additional 405 shares during the period. Finally, Cigna Investments Inc. New lifted its position in shares of SoFi Technologies by 3.8% during the 4th quarter. Cigna Investments Inc. New now owns 11,440 shares of the company’s stock worth $299,000 after purchasing an additional 416 shares during the last quarter. Institutional investors and hedge funds own 38.43% of the company’s stock.

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.