SoFi Technologies (NASDAQ:SOFI) Stock Price Down 4.5% - Here's Why

Key Points

• Shares fell 4.5% to $17.70 on Thursday with about 62.6 million shares traded, leaving SOFI well below its 50‑day ($22.47) and 200‑day ($25.76) averages and roughly 28–33% off recent highs.
• SoFi beat Q4 estimates with $0.13 EPS (vs. $0.12 expected) and $1.01 billion revenue (+39.6% year‑over‑year) and set Q1 2026 guidance of $0.12 EPS and FY2026 guidance of $0.60 EPS.
• Sentiment is mixed: Wall Street's average rating is "Hold" with an average target of $26.34, management showed confidence with CEO Anthony Noto buying ~$1M of shares while other insiders sold ~214,753 shares recently, and analysts warn of valuation and potential dilution risks (PE ~46.6).

SoFi Technologies, Inc. (NASDAQ:SOFI - Get Free Report)'s share price traded down 4.5% on Thursday . The company traded as low as $17.62 and last traded at $17.70. 62,593,629 shares were traded during mid-day trading, a decline of 0% from the average session volume of 62,738,688 shares. The stock had previously closed at $18.53.

More SoFi Technologies News

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

• Positive Sentiment: Zacks: SoFi's 2026 outlook emphasizes margin improvement as scale and deposit funding help convert revenue growth into stronger profitability, supporting a constructive earnings trajectory. SOFI's 2026 Outlook Indicates Stronger Margins to Support Growth
• Positive Sentiment: Insider buy & leadership hire: CEO Anthony Noto purchased ~$1M of SOFI shares and SoFi added a senior financial‑empowerment exec — signals management confidence and a focus on customer engagement that could help retention and cross‑sell. SoFi Insider Buying And Education Push Reframe Growth And Risk Story
• Positive Sentiment: Analyst/market writeups recommend holding SOFI on strong revenue and EPS growth expectations, citing digital banking demand, Galileo adoption and refinancing tailwinds that support sustained top‑line growth. Here's Why You Should Retain SOFI Stock in Your Portfolio Now
• Positive Sentiment: Industry precedent: Market commentary on Upstart’s bank‑charter move cites SoFi as evidence that becoming a bank can materially lower funding costs and boost net interest margins — an important strategic rationale for fintech valuation. Why Upstart’s Bank Charter Bet Could Change Everything
• Neutral Sentiment: Fool / sector comparisons: SoFi is compared with peers (e.g., Nu Holdings) as a high‑growth fintech option; useful for positioning but not a direct catalyst. Better Growth Stock: SoFi Technologies vs. Nu Holdings
• Neutral Sentiment: Short‑term market moves: Recent daily note that SOFI closed up modestly on March 11 (+1.31%) — small intraday moves versus broader trend. SoFi Technologies, Inc. (SOFI) Advances While Market Declines
• Negative Sentiment: Barchart warns valuation and dilution concerns: after a ~30% drop from highs, investor worries about high valuation and potential capital raises (dilution) are pressuring the stock. SoFi Stock Outlook: Can SoFi Technologies Recover After a 30% Drop?
• Negative Sentiment: Macro/sector headwinds and prolonged share weakness: coverage highlights SOFI down ~28–33% over recent periods and industry uncertainty that can limit re‑rating until earnings/capital clarity improves. SoFi Stock Down 28% in Six Months: Is it Time to Start Collecting?

Wall Street Analysts Forecast Growth

Several research analysts have issued reports on SOFI shares. The Goldman Sachs Group cut their price objective on SoFi Technologies from $27.00 to $24.00 and set a "neutral" rating for the company in a research report on Tuesday, January 6th. UBS Group set a $24.50 target price on shares of SoFi Technologies in a research report on Monday, February 2nd. Weiss Ratings reaffirmed a "hold (c)" rating on shares of SoFi Technologies in a research note on Thursday, January 22nd. Barclays increased their price target on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an "equal weight" rating in a report on Tuesday, January 6th. Finally, JPMorgan Chase & Co. upgraded shares of SoFi Technologies from a "neutral" rating to an "overweight" rating and set a $31.00 price objective for the company in a research note on Tuesday, February 3rd. Seven equities research analysts have rated the stock with a Buy rating, eight have issued a Hold rating and three have given a Sell rating to the company's stock. According to MarketBeat, the company presently has an average rating of "Hold" and an average target price of $26.34.

SoFi Technologies Stock Down 4.5%

The firm has a 50 day moving average of $22.47 and a two-hundred day moving average of $25.76. The stock has a market capitalization of $22.57 billion, a PE ratio of 46.58 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 (NASDAQ:SOFI - Get Free Report) 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 5.88% and a net margin of 13.34%.The company had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. During the same period in the previous year, the business earned $0.05 earnings per share. SoFi Technologies'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. Equities research analysts anticipate that SoFi Technologies, Inc. will post 0.26 earnings per share for the current year.

Insiders Place Their Bets

In other SoFi Technologies news, Director Steven J. Freiberg sold 94,225 shares of SoFi Technologies stock in a transaction dated Friday, February 6th. The shares were sold at an average price of $20.31, for a total transaction of $1,913,709.75. Following the completion of the transaction, the director owned 588,849 shares in the company, valued at approximately $11,959,523.19. The trade was a 13.79% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is accessible through this link. Also, EVP Kelli Keough sold 9,755 shares of the company's stock in a transaction dated Friday, February 20th. The shares were sold at an average price of $18.87, for a total transaction of $184,076.85. Following the completion of the sale, the executive vice president directly owned 293,725 shares in the company, valued at $5,542,590.75. This trade represents a 3.21% decrease in their position. The SEC filing for this sale provides additional information. Over the last ninety days, insiders sold 214,753 shares of company stock worth $5,045,087. 2.60% of the stock is owned by company insiders.

Institutional Inflows and Outflows

Several institutional investors have recently modified their holdings of SOFI. Vanguard Group Inc. grew its holdings in SoFi Technologies by 3.6% during the 4th quarter. Vanguard Group Inc. now owns 111,003,107 shares of the company's stock valued at $2,906,061,000 after buying an additional 3,900,895 shares during the last quarter. State Street Corp raised its holdings in shares of SoFi Technologies by 6.7% in the fourth quarter. State Street Corp now owns 25,937,928 shares of the company's stock worth $679,055,000 after acquiring an additional 1,637,430 shares during the last quarter. Geode Capital Management LLC raised its holdings in shares of SoFi Technologies by 9.0% in the fourth quarter. Geode Capital Management LLC now owns 23,642,936 shares of the company's stock worth $618,395,000 after acquiring an additional 1,951,248 shares during the last quarter. Morgan Stanley lifted its position in shares of SoFi Technologies by 33.6% in the fourth quarter. Morgan Stanley now owns 13,323,366 shares of the company's stock valued at $348,806,000 after acquiring an additional 3,350,258 shares in the last quarter. Finally, Norges Bank acquired a new stake in shares of SoFi Technologies during the fourth quarter valued at $321,515,000. 38.43% of the stock is currently owned by institutional investors and hedge funds.

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.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.