SoFi Technologies, Inc. (NASDAQ:SOFI) Given Average Recommendation of "Hold" by Analysts

Key Points

• Analysts give SoFi an average recommendation of "Hold" from 20 firms (3 sell, 10 hold, 7 buy) with an average 12‑month price target of about $24.85.
• SoFi beat the last quarter's estimates with $0.13 EPS vs. $0.12 expected and $1.01B revenue (+39.6% YoY), and has guided roughly $0.12 for Q1 2026 and ~$0.60 for FY2026.
• There has been notable insider selling (including large director and CTO sales) in recent months, but major institutions like Norges Bank, Vanguard and State Street have built or increased large positions, with institutional ownership around 38.4%.

SoFi Technologies, Inc. (NASDAQ:SOFI - Get Free Report) has been given an average recommendation of "Hold" by the twenty research firms that are presently covering the stock, MarketBeat Ratings reports. Three research analysts have rated the stock with a sell recommendation, ten have issued a hold recommendation and seven have issued a buy recommendation on the company. The average 12 month price objective among brokers that have issued ratings on the stock in the last year is $24.8529.

Several equities analysts recently issued reports on SOFI shares. UBS Group set a $24.50 price objective on SoFi Technologies in a research report on Monday, February 2nd. Citizens Jmp raised SoFi Technologies from a "market perform" rating to an "outperform" rating and set a $30.00 price objective on the stock in a research report on Monday, February 9th. Keefe, Bruyette & Woods lowered their price objective on SoFi Technologies from $20.00 to $17.00 and set an "underperform" rating on the stock in a research report on Thursday, April 9th. Barclays lowered their price objective on SoFi Technologies from $28.00 to $18.00 and set an "equal weight" rating on the stock in a research report on Monday, April 6th. Finally, Bank of America started coverage on SoFi Technologies in a research report on Tuesday, January 6th. They issued an "underperform" rating and a $20.50 price objective on the stock.

SoFi Technologies Stock Performance

Shares of SOFI opened at $18.32 on Friday. The company has a quick ratio of 0.18, a current ratio of 0.78 and a debt-to-equity ratio of 0.17. The business's 50 day moving average price is $17.80 and its 200-day moving average price is $23.73. SoFi Technologies has a 52 week low of $11.76 and a 52 week high of $32.73. The stock has a market cap of $23.36 billion, a P/E ratio of 48.21 and a beta of 2.24.

SoFi Technologies (NASDAQ:SOFI - Get Free Report) last released its quarterly earnings data on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.12 by $0.01. The business had revenue of $1.01 billion for the quarter, compared to analysts' expectations 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 period in the prior year, the firm 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. Equities research analysts anticipate that SoFi Technologies will post 0.6 earnings per share for the current fiscal year.

Key Stories Impacting SoFi Technologies

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

• Positive Sentiment: SoFi launched a fully digital HELOC experience, formed a Real Estate Advisory Council to expand home-lending capabilities, and announced XRP deposit support — moves that broaden product revenue streams and could increase customer engagement. SoFi Expands HELOC And XRP Offerings As Valuation Premium Persists
• Positive Sentiment: A bullish take argues SoFi is capturing market share and growing quickly despite the pullback, highlighting why long-term investors may view current weakness as opportunity. SoFi Stock Is Down 47% Right Now. Here's What the Bears Are Missing.
• Positive Sentiment: Recent trading showed SoFi outpacing market gains on the last reported session, reflecting intermittent investor interest tied to product/news flow. SoFi Technologies, Inc. (SOFI) Outpaces Stock Market Gains: What You Should Know
• Neutral Sentiment: Analysts and previews note expected earnings growth into the upcoming report but stop short of forecasting a clear beat; investors should watch next week's results and guidance for a decisive catalyst. SoFi Technologies, Inc. (SOFI) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
• Neutral Sentiment: The Q2 2025 earnings call transcript is now available; details on loan growth, margins, and crypto-related deposit balances will matter to traders parsing near-term performance. SoFi (SOFI) Q2 2025 Earnings Call Transcript
• Negative Sentiment: An executive (EVP Kelli Keough) sold 9,742 shares via a pre-arranged Rule 10b5-1 plan; while such plans limit signal strength, insider selling can still pressure sentiment when combined with other headwinds. Kelli Keough Insider Sale
• Negative Sentiment: A comparison piece favors Palantir over SoFi on AI-driven growth and financials, which could push rotational flows away from SoFi toward higher-rated growth names. PLTR vs. SOFI: Which High-Growth Tech Stock is the Better Buy Now?
• Negative Sentiment: Coverage of SoFi adding XRP notes user complaints or limits (“there’s a catch”), raising questions about execution/UX and potential short-term user friction after the rollout. XRP News: SoFi Just Added XRP for 13.7 Million Customers — But Users Say There’s a Catch

Insiders Place Their Bets

In other news, Director Steven J. Freiberg sold 94,225 shares of the stock in a transaction on 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 transaction, the director directly owned 588,849 shares of the company's stock, valued at $11,959,523.19. This represents a 13.79% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through this link. Also, CTO Jeremy Rishel sold 94,958 shares of the stock in a transaction 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 transaction, the chief technology officer directly owned 839,640 shares in the company, valued at $14,634,925.20. The trade was a 10.16% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. In the last three months, insiders purchased 38,900 shares of company stock worth $705,398 and sold 218,422 shares worth $4,105,468. Insiders own 2.60% of the company's stock.

Hedge Funds Weigh In On SoFi Technologies

Several hedge funds and other institutional investors have recently modified their holdings of SOFI. Norges Bank bought a new position in shares of SoFi Technologies during the 4th quarter valued at $321,515,000. Vanguard Group Inc. lifted its holdings in shares of SoFi Technologies by 6.8% during the 3rd quarter. Vanguard Group Inc. now owns 107,102,212 shares of the company's stock valued at $2,829,640,000 after buying an additional 6,814,727 shares during the period. State Street Corp lifted its holdings in shares of SoFi Technologies by 30.7% during the 3rd quarter. State Street Corp now owns 24,300,498 shares of the company's stock valued at $642,019,000 after buying an additional 5,708,053 shares during the period. Marshall Wace LLP lifted its holdings in shares of SoFi Technologies by 372.9% during the 4th quarter. Marshall Wace LLP now owns 6,650,744 shares of the company's stock valued at $174,116,000 after buying an additional 5,244,291 shares during the period. Finally, Morgan Stanley lifted its holdings in shares of SoFi Technologies by 33.6% during the 4th quarter. Morgan Stanley now owns 13,323,366 shares of the company's stock valued at $348,806,000 after buying an additional 3,350,258 shares during the period. 38.43% of the stock is owned by institutional investors.

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.

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