SoFi Technologies, Inc. (NASDAQ:SOFI) Receives $26.34 Average Target Price from Analysts

SoFi Technologies, Inc. (NASDAQ:SOFI) has received a consensus rating of “Hold” from the eighteen ratings firms that are currently covering the stock, Marketbeat.com reports. Three research analysts have rated the stock with a sell recommendation, eight have given a hold recommendation and seven have issued a buy recommendation on the company. The average 12 month target price among brokers that have updated their coverage on the stock in the last year is $26.3438.

A number of equities analysts recently commented on SOFI shares. UBS Group set a $24.50 price target on SoFi Technologies in a research note on Monday, February 2nd. Needham & Company LLC reduced their target price on SoFi Technologies from $36.00 to $33.00 and set a “buy” rating on the stock in a report on Monday, February 2nd. Barclays lifted their target price on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Tuesday, January 6th. Bank of America initiated coverage on SoFi Technologies in a research report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price target on the stock. Finally, Truist Financial decreased their price objective on shares of SoFi Technologies from $28.00 to $21.00 and set a “hold” rating for the company in a report on Wednesday, February 18th.

Insider Buying and Selling

In other news, EVP Kelli Keough sold 9,755 shares of SoFi Technologies stock in a transaction dated Friday, February 20th. The shares were sold at an average price of $18.87, for a total value of $184,076.85. Following the completion of the transaction, the executive vice president directly owned 293,725 shares of the company’s stock, valued at approximately $5,542,590.75. The trade was a 3.21% decrease in their position. The transaction was disclosed in a filing with the SEC, which is accessible through this hyperlink. Also, General Counsel Robert S. Lavet acquired 5,000 shares of the company’s stock in a transaction that occurred on Friday, February 6th. The shares were acquired at an average price of $21.04 per share, for a total transaction of $105,200.00. Following the purchase, 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 ownership of the stock. Additional details regarding this purchase are available in the official SEC disclosure. In the last 90 days, insiders sold 214,753 shares of company stock worth $5,045,087. Company insiders own 2.60% of the company’s stock.

Institutional Trading of SoFi Technologies

Several hedge funds have recently made changes to their positions in the stock. Valley Wealth Managers Inc. acquired a new stake 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 fourth quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock valued at $26,000 after acquiring an additional 878 shares during the period. Vermillion Wealth Management Inc. grew its position in shares of SoFi Technologies by 283.1% during the fourth quarter. Vermillion Wealth Management Inc. now owns 1,000 shares of the company’s stock worth $26,000 after acquiring an additional 739 shares during the last quarter. Central Pacific Bank Trust Division acquired a new stake in shares of SoFi Technologies in the 4th quarter worth about $28,000. Finally, Reflection Asset Management bought a new stake in SoFi Technologies in the 4th quarter valued at about $28,000. Institutional investors own 38.43% of the company’s stock.

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

SoFi Technologies Stock Down 1.8%

Shares of NASDAQ:SOFI opened at $18.90 on Thursday. 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 company has a fifty day simple moving average of $22.95 and a 200 day simple moving average of $25.87. The firm has a market cap of $24.10 billion, a PE ratio of 49.74 and a beta of 2.20. SoFi Technologies has a 12-month low of $8.60 and a 12-month high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings data on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. The firm had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. SoFi Technologies had a net margin of 13.34% and a return on equity of 5.88%. The firm’s revenue was up 39.6% compared to the same quarter last year. 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. On average, equities research analysts anticipate that SoFi Technologies will post 0.26 EPS for the current fiscal year.

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.