SoFi Technologies, Inc. (NASDAQ:SOFI) Receives Consensus Rating of “Hold” from Analysts

Shares of SoFi Technologies, Inc. (NASDAQ:SOFI) have received a consensus rating of “Hold” from the twenty-two brokerages that are covering the company, MarketBeat reports. Three investment analysts have rated the stock with a sell rating, ten have issued a hold rating and nine have assigned a buy rating to the company. The average 12-month price objective among analysts that have covered the stock in the last year is $22.5526.

A number of analysts recently issued reports on the company. Mizuho lowered their target price on SoFi Technologies from $29.00 to $22.00 and set an “outperform” rating for the company in a research note on Friday, July 31st. Scotiabank assumed coverage on shares of SoFi Technologies in a report on Wednesday. They issued a “sector outperform” rating and a $25.00 price target for the company. Truist Financial increased their price objective on shares of SoFi Technologies from $18.00 to $19.00 and gave the stock a “hold” rating in a research report on Wednesday, August 12th. The Goldman Sachs Group raised their price objective on shares of SoFi Technologies from $17.00 to $21.00 and gave the stock a “neutral” rating in a report on Thursday, July 9th. Finally, Morgan Stanley lowered their target price on SoFi Technologies from $16.00 to $15.00 and set an “underweight” rating for the company in a report on Thursday, July 30th.

Insider Transactions at SoFi Technologies

In other news, EVP Kelli Keough sold 11,286 shares of the company’s stock in a transaction dated Thursday, August 20th. The stock was sold at an average price of $18.00, for a total transaction of $203,148.00. Following the completion of the transaction, the executive vice president directly owned 356,442 shares of the company’s stock, valued at $6,415,956. This represents a 3.07% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CTO Jeremy Rishel sold 102,123 shares of SoFi Technologies stock in a transaction that occurred on Wednesday, June 17th. The shares were sold at an average price of $17.78, for a total value of $1,815,746.94. Following the completion of the sale, the chief technology officer directly owned 895,089 shares in the company, valued at approximately $15,914,682.42. This represents a 10.24% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Over the last 90 days, insiders sold 136,505 shares of company stock worth $2,418,096. Corporate insiders own 2.50% of the company’s stock.

Hedge Funds Weigh In On SoFi Technologies

A number of large investors have recently modified their holdings of the business. BlackRock Inc. acquired a new stake in shares of SoFi Technologies in the 2nd quarter valued at approximately $1,298,925,000. Vanguard Group Inc. increased its holdings 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 buying an additional 3,900,895 shares during the last quarter. North Dakota State Investment Board bought a new stake in SoFi Technologies during the fourth quarter worth $1,044,000. Brighton Jones LLC raised its position in SoFi Technologies by 2.0% during the fourth quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock worth $11,077,000 after acquiring an additional 14,281 shares in the last quarter. Finally, Alberta Investment Management Corp acquired a new stake in SoFi Technologies in the fourth quarter valued at $13,299,000. 38.43% of the stock is currently owned by institutional investors and hedge funds.

SoFi Technologies Stock Up 4.6%

Shares of NASDAQ SOFI opened at $17.84 on Thursday. SoFi Technologies has a 52-week low of $14.88 and a 52-week high of $32.73. The company has a debt-to-equity ratio of 0.30, a quick ratio of 0.10 and a current ratio of 0.74. The stock has a market cap of $23.04 billion, a P/E ratio of 37.17, a P/E/G ratio of 1.40 and a beta of 2.20. The firm has a 50 day moving average price of $17.86 and a 200 day moving average price of $17.48.

SoFi Technologies (NASDAQ:SOFI) last announced its quarterly earnings results on Wednesday, July 29th. The company reported $0.12 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.11 by $0.01. The company had revenue of $1.21 billion during the quarter, compared to analyst estimates of $1.11 billion. SoFi Technologies had a net margin of 14.78% and a return on equity of 6.22%. The firm’s revenue was up 42.5% on a year-over-year basis. During the same quarter in the previous year, the business earned $0.08 EPS. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. Analysts expect that SoFi Technologies will post 0.61 EPS for the current year.

More SoFi Technologies News

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

• Positive Sentiment: Scotiabank initiated coverage with a “Sector Outperform” rating and a $25 price target, implying substantial upside from recent levels. The initiation provides a new positive valuation signal and may be supporting the stock. Scotiabank Initiates SoFi Technologies at Sector Outperform
• Positive Sentiment: A bullish investment thesis argues that SoFi’s product flywheel, rising cross-selling, expanding non-lending products and growing fee-based revenue are making the business less dependent on loan origination. Its Loan Platform Business could also support growth without adding as much credit risk to SoFi’s balance sheet. Is SoFi’s Product Flywheel Gaining Enough Traction to Lift SOFI Stock?
• Neutral Sentiment: SoFi’s deposit base is viewed as a potential interest-rate hedge, while management’s strategy to expand fee-based revenue could improve resilience. However, the thesis notes that additional revenue investment has not necessarily translated into higher near-term profit targets. SoFi’s Deposits Aren’t a Moat: They’re a Rate Hedge
• Negative Sentiment: Rising Treasury yields are weighing on balance-sheet lenders such as SoFi because higher funding costs and tighter financial conditions can pressure loan demand, margins and credit-sensitive businesses. SoFi and Affirm recently underperformed brokerage-focused fintech companies. SoFi Drops as Yields Hit Balance-Sheet Lenders
• Negative Sentiment: Retail discussion has become less favorable, with some Stocktwits users preferring Robinhood over SoFi. This reflects competitive concerns and weaker short-term sentiment rather than a change in SoFi’s fundamentals. SOFI’s Decline Has Retail Looking Elsewhere

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.