SoFi Technologies, Inc. (NASDAQ:SOFI) Receives Consensus Recommendation of “Hold” from Brokerages

SoFi Technologies, Inc. (NASDAQ:SOFI) has been assigned a consensus recommendation of “Hold” from the eighteen brokerages that are presently covering the stock, Marketbeat Ratings reports. Three investment analysts have rated the stock with a sell rating, eight have issued a hold rating and seven have assigned a buy rating to the company. The average twelve-month target price among brokerages that have covered the stock in the last year is $26.3438.

SOFI has been the subject of a number of research reports. Bank of America initiated coverage on SoFi Technologies in a report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 target price for the company. JPMorgan Chase & Co. raised shares of SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 price target for the company in a research report on Tuesday, February 3rd. Citizens Jmp upgraded shares of SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 price objective for the company in a research note on Monday, February 9th. Weiss Ratings reaffirmed a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Finally, Barclays increased their price objective on shares of SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research note on Tuesday, January 6th.

SoFi Technologies Trading Up 0.5%

NASDAQ:SOFI opened at $18.70 on Thursday. The company has a market capitalization of $23.85 billion, a P/E ratio of 49.21 and a beta of 2.20. The company has a current ratio of 0.78, a quick ratio of 0.18 and a debt-to-equity ratio of 0.17. SoFi Technologies has a 12 month low of $8.60 and a 12 month high of $32.73. The firm has a fifty day simple moving average of $23.28 and a 200-day simple moving average of $25.93.

SoFi Technologies (NASDAQ:SOFI) last issued its earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.12 by $0.01. The company 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 5.88% and a net margin of 13.34%.The firm’s quarterly revenue was up 39.6% on a year-over-year basis. During the same quarter last year, the business 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, equities research analysts anticipate that SoFi Technologies will post 0.26 earnings per share for the current year.

Insider Activity at SoFi Technologies

In related news, Director Steven J. Freiberg sold 94,225 shares of the firm’s stock in a transaction dated Friday, February 6th. The stock was sold at an average price of $20.31, for a total transaction of $1,913,709.75. Following the sale, the director directly owned 588,849 shares of the company’s stock, valued at $11,959,523.19. This trade represents a 13.79% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, General Counsel Robert S. Lavet purchased 5,000 shares of SoFi Technologies stock in a transaction that occurred on Friday, February 6th. The shares were bought at an average price of $21.04 per share, with a total value of $105,200.00. Following the completion of the transaction, the general counsel owned 17,172 shares of the company’s stock, valued at $361,298.88. This represents a 41.08% increase in their position. The disclosure for this purchase is available in the SEC filing. Insiders sold 214,753 shares of company stock worth $5,045,087 in the last three months. Company insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

A number of hedge funds and other institutional investors have recently made changes to their positions in SOFI. Mitsubishi UFJ Asset Management Co. Ltd. increased its holdings in 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 worth $88,864,000 after acquiring an additional 540,610 shares in the last quarter. Vestmark Advisory Solutions Inc. purchased a new position in SoFi Technologies during the second quarter valued at $209,000. Vanguard Group Inc. grew its position in shares of SoFi Technologies by 6.8% in the third quarter. Vanguard Group Inc. now owns 107,102,212 shares of the company’s stock valued at $2,829,640,000 after purchasing an additional 6,814,727 shares during the period. Quantbot Technologies LP purchased a new stake in shares of SoFi Technologies during the second quarter worth about $25,699,000. Finally, Marex Group plc purchased a new stake in shares of SoFi Technologies during the second quarter worth about $11,179,000. Institutional investors and hedge funds own 38.43% of the company’s stock.

Trending Headlines about SoFi Technologies

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

• Positive Sentiment: Mastercard will provide settlement for SoFiUSD transactions and enable SoFiUSD as a settlement currency across Mastercard’s global payments network — this materially boosts SoFi’s stablecoin utility, distribution and potential transaction/settlement revenue. Mastercard to provide settlement for SoFi stablecoin transactions
• Positive Sentiment: Multiple outlets report SoFi will offer SoFiUSD settlement across Mastercard’s network (additional coverage highlights the same partnership), reinforcing the scale and credibility of the initiative — a clear product/corporate development that can drive future growth. SoFi to Offer SoFiUSD as Settlement Currency Across Mastercard Network
• Positive Sentiment: CEO Anthony Noto purchased roughly $1 million of SOFI stock — insider buying signals management confidence after the selloff and often supports near-term sentiment and analyst conviction. SoFi’s stock rises as CEO Anthony Noto reacts to recent selloff with a $1 million purchase
• Positive Sentiment: Seeking Alpha reports a buy rating/upgrade citing Q4 beats, bullish guidance, attractive valuation metrics (low PEG, reasonable forward P/E) and the recent insider buy — this can attract value/contrarian investors. SoFi: The Rebound Has Started (Rating Upgrade)
• Neutral Sentiment: A valuation/assessment piece examines recent volatility and re-rates SoFi after big swings — useful context for investors weighing fundamentals vs. market sentiment but not a direct catalyst. Assessing SoFi Technologies (SOFI) Valuation After Recent Share Price Swings
• Negative Sentiment: Coverage notes a “rough start to 2026” and that shares still trade well below their peak — the recent ~30% selloff and technicals (50/200-day averages) are headwinds that could limit near-term upside despite positive headlines. SoFi CEO Just Bought $1 Million of His Own Stock — And Analysts Think It Could Hit $26

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.