SoFi Technologies (NASDAQ:SOFI) Stock Price Down 1.8% – Should You Sell?

SoFi Technologies, Inc. (NASDAQ:SOFI) was down 1.8% during trading on Friday . The company traded as low as $18.12 and last traded at $18.90. Approximately 74,672,286 shares changed hands during mid-day trading, an increase of 20% from the average daily volume of 62,390,031 shares. The stock had previously closed at $19.25.

SoFi Technologies News Roundup

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

• Positive Sentiment: Mastercard partnership expands SoFiUSD settlement reach, positioning SoFi to capture cross-border and merchant settlement flows and boosting credibility for its fully reserved stablecoin; a material distribution channel if adoption grows. SoFi (SOFI), Mastercard (MA) Partner to Integrate SoFiUSD Stablecoin for Global Settlement
• Positive Sentiment: SoFi selected BitGo to power custody/distribution for SoFiUSD, lowering execution risk for launches and signaling institutional-grade infrastructure behind the stablecoin. SoFi Selects BitGo to Power Bank-Issued Stablecoin
• Positive Sentiment: SoFiUSD has been enabled across Mastercard’s payments network in multiple announcements — this repetition in press coverage highlights distribution momentum that could translate into payments volume and new revenue streams. SoFi’s stablecoin joins Mastercard’s network
• Positive Sentiment: Unusual options activity: a large uptick in call purchases suggests short-term bullish positioning by traders, which can amplify intraday moves if sentiment continues. (Intraday options volume data)
• Neutral Sentiment: SoFi is running member-facing product initiatives (e.g., private-market access via Templum) that diversify revenue and deepen member engagement, supporting long-term monetization but with uncertain short-term earnings impact. Templum to Offer Private Market Opportunities to SoFi Members
• Neutral Sentiment: Several bullish long-term narratives and retail-targeted features appear in opinion pieces (The Motley Fool, others), which can support investor interest but are speculative and not guaranteed to move near-term fundamentals. Is SoFi Technologies Stock Your Ticket to Becoming a Millionaire?
• Negative Sentiment: Analysts remain mixed: Truist reaffirmed a Hold and cut its price target, and consensus ratings skew toward Hold — that analyst caution keeps downward pressure on the stock while investors wait for consistent margin/earnings beats to justify current multiples. Analyst Opinion Mixed on SoFi Technologies (SOFI) Stock

Wall Street Analysts Forecast Growth

Several analysts have issued reports on the stock. Bank of America assumed coverage on shares of SoFi Technologies in a research note on Tuesday, January 6th. They set an “underperform” rating and a $20.50 target price on the stock. Needham & Company LLC reduced their price objective 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. 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 research report on Tuesday, February 3rd. UBS Group set a $24.50 price objective on SoFi Technologies in a research note on Monday, February 2nd. Finally, Citizens Jmp raised SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 price objective for the company in a research report on Monday, February 9th. Seven analysts have rated the stock with a Buy rating, eight have issued a Hold rating and three have assigned a Sell rating to the stock. According to MarketBeat.com, the stock presently has an average rating of “Hold” and an average price target of $26.34.

SoFi Technologies Trading Down 1.8%

The firm has a 50-day moving average of $23.11 and a two-hundred day moving average of $25.89. 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 firm has a market capitalization of $24.10 billion, a P/E ratio of 49.74 and a beta of 2.20.

SoFi Technologies (NASDAQ:SOFI) last issued its quarterly earnings data on Friday, January 30th. The company reported $0.13 earnings per share 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 business had revenue of $1.01 billion for the quarter, compared to analyst estimates of $984.75 million. During the same quarter in the previous year, the company posted $0.05 EPS. 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. On average, analysts anticipate that SoFi Technologies, Inc. will post 0.26 EPS for the current year.

Insiders Place Their Bets

In related news, CTO Jeremy Rishel sold 91,837 shares of the stock in a transaction that occurred on Wednesday, December 17th. The stock was sold at an average price of $26.64, for a total transaction of $2,446,537.68. Following the completion of the sale, the chief technology officer directly owned 794,598 shares of the company’s stock, valued at approximately $21,168,090.72. This trade represents a 10.36% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which can be accessed through this link. 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 transaction, the general counsel owned 17,172 shares of the company’s stock, valued at $361,298.88. This trade represents a 41.08% increase in their position. The SEC filing for this purchase provides additional information. Insiders sold a total of 214,753 shares of company stock worth $5,045,087 in the last three months. 2.60% of the stock is owned by corporate insiders.

Hedge Funds Weigh In On SoFi Technologies

Hedge funds and other institutional investors have recently bought and sold shares of the stock. Valley Wealth Managers Inc. bought a new position in SoFi Technologies in the fourth quarter worth $25,000. Blue Trust Inc. boosted its holdings in shares of SoFi Technologies by 655.2% during the 4th quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock valued at $26,000 after buying an additional 878 shares in the last quarter. Vermillion Wealth Management Inc. grew its position in shares of SoFi Technologies by 283.1% in the 4th quarter. Vermillion Wealth Management Inc. now owns 1,000 shares of the company’s stock worth $26,000 after buying an additional 739 shares during the period. Central Pacific Bank Trust Division bought a new position in shares of SoFi Technologies in the 4th quarter worth about $28,000. Finally, Reflection Asset Management bought a new position in shares of SoFi Technologies in the 4th quarter worth about $28,000. Hedge funds and other institutional investors 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.