SoFi Technologies (NASDAQ:SOFI) Stock Price Up 3.5% – What’s Next?

SoFi Technologies, Inc. (NASDAQ:SOFI) traded up 3.5% on Monday . The stock traded as high as $18.41 and last traded at $18.39. 73,456,198 shares changed hands during mid-day trading, an increase of 19% from the average session volume of 61,756,785 shares. The stock had previously closed at $17.76.

More SoFi Technologies News

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

• Positive Sentiment: Mastercard will provide settlement support for SoFi’s stablecoin, enabling SoFiUSD to be used across Mastercard’s global payments network — a move that could increase transactional volume, broaden merchant acceptance and lend credibility to SoFi’s crypto/payments strategy. Mastercard to provide settlement for SoFi stablecoin transactions
• Positive Sentiment: CEO Anthony Noto purchased about $1 million of SOFI shares (his first buy since 2024), a classic insider “buy the dip” signal that investors often view as management confidence in the company’s outlook. That buying helped spur near‑term buying interest. SoFi CEO Just Bought $1 Million of His Own Stock — And Analysts Think It Could Hit $26
• Positive Sentiment: Analyst coverage turned constructive: a Seeking Alpha rating upgrade to “Buy” points to a compelling risk/reward after the recent pullback, citing strong Q4 results (dual beat on revenue and EPS), solid guidance and attractive forward multiples. SoFi: The Rebound Has Started (Rating Upgrade)
• Neutral Sentiment: Market write‑ups assessing SoFi’s valuation note wide recent share swings; investors are parsing growth vs. higher short‑term volatility to decide whether current multiples (and the company’s forward guidance) justify a buy. These pieces review both upside scenarios and remaining execution risks. Assessing SoFi Technologies (SOFI) Valuation After Recent Share Price Swings
• Negative Sentiment: Despite the catalysts, SOFI remains well below prior highs (reports cite declines of ~30–43% from peak), underscoring elevated downside risk and continued volatility if growth or crypto/payments adoption disappoints. SoFi (SOFI) Stock: CEO Invests $1M as Shares Trade 43% Under Peak

Wall Street Analysts Forecast Growth

Several research analysts recently commented on SOFI shares. Bank of America began coverage on SoFi Technologies in a research report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price target for the company. Citizens Jmp upgraded SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 price objective on the stock in a research note on Monday, February 9th. Barclays increased their price objective on SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. Truist Financial lowered their target price on shares of SoFi Technologies from $28.00 to $21.00 and set a “hold” rating on the stock in a report on Wednesday, February 18th. Finally, Weiss Ratings restated a “hold (c)” rating on shares of SoFi Technologies in a report on Thursday, January 22nd. Seven investment analysts have rated the stock with a Buy rating, eight have issued a Hold rating and three have assigned a Sell rating to the company’s stock. Based on data from MarketBeat, the stock presently has an average rating of “Hold” and a consensus target price of $26.34.

SoFi Technologies Stock Performance

The stock has a market capitalization of $23.85 billion, a P/E ratio of 49.21 and a beta of 2.20. The stock’s 50-day simple moving average is $23.45 and its 200 day simple moving average is $25.98. The company has a debt-to-equity ratio of 0.17, a current ratio of 0.78 and a quick ratio of 0.18.

SoFi Technologies (NASDAQ:SOFI) last announced its earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, topping the consensus estimate of $0.12 by $0.01. The business had revenue of $1.01 billion during 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%. SoFi Technologies’s revenue was up 39.6% compared to the same quarter last year. During the same quarter in the previous 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. Research analysts expect that SoFi Technologies, Inc. will post 0.26 EPS for the current fiscal year.

Insider Buying and Selling

In other SoFi Technologies news, EVP Kelli Keough sold 9,755 shares of the firm’s stock in a transaction on Friday, February 20th. The stock was sold at an average price of $18.87, for a total transaction of $184,076.85. Following the transaction, the executive vice president owned 293,725 shares in the company, valued at $5,542,590.75. This trade represents a 3.21% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, General Counsel Robert S. Lavet acquired 5,000 shares of the company’s stock in a transaction on Friday, February 6th. The stock was bought at an average cost of $21.04 per share, with a total value of $105,200.00. Following the completion of the acquisition, the general counsel directly owned 17,172 shares in the company, valued at approximately $361,298.88. This represents a 41.08% increase in their ownership of the stock. Additional details regarding this purchase are available in the official SEC disclosure. Insiders have sold a total of 214,753 shares of company stock valued at $5,045,087 in the last 90 days. 2.60% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of hedge funds have recently modified their holdings of SOFI. Vanguard Group Inc. lifted its position in SoFi Technologies by 3.6% during the fourth quarter. Vanguard Group Inc. now owns 111,003,107 shares of the company’s stock worth $2,906,061,000 after purchasing an additional 3,900,895 shares during the period. State Street Corp raised its position in shares of SoFi Technologies by 6.7% in the 4th quarter. State Street Corp now owns 25,937,928 shares of the company’s stock valued at $679,055,000 after buying an additional 1,637,430 shares in the last quarter. Geode Capital Management LLC lifted its holdings in shares of SoFi Technologies by 9.0% during the 4th 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 period. 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 worth $348,806,000 after acquiring an additional 3,350,258 shares during the period. Finally, Norges Bank acquired a new stake in shares of SoFi Technologies during the 4th quarter worth approximately $321,515,000. Institutional investors own 38.43% of the company’s stock.

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.