SoFi Technologies, Inc. (NASDAQ:SOFI) Stock Rated “Hold” by Sell-Side Analysts

SoFi Technologies, Inc. (NASDAQ:SOFI) has received a consensus rating of “Hold” from the twenty-five analysts that are covering the company, MarketBeat.com reports. Three research analysts have rated the stock with a sell recommendation, eleven have given a hold recommendation, nine have issued a buy recommendation and two have given a strong buy recommendation to the company. The average 12 month target price among brokerages that have issued ratings on the stock in the last year is $22.20.

A number of equities research analysts recently commented on SOFI shares. Morgan Stanley dropped their price objective on SoFi Technologies from $16.00 to $15.00 and set an “underweight” rating for the company in a report on Thursday, July 30th. Keefe, Bruyette & Woods restated an “underperform” rating on shares of SoFi Technologies in a report on Monday, October 12th. Wells Fargo & Company decreased their target price on SoFi Technologies from $18.00 to $17.00 and set an “equal weight” rating for the company in a research report on Thursday, July 30th. Weiss Ratings lowered SoFi Technologies from a “hold (c)” rating to a “hold (c-)” rating in a research report on Tuesday, October 6th. Finally, TD Cowen lowered their price target on SoFi Technologies from $18.00 to $17.50 and set a “hold” rating for the company in a research note on Tuesday, October 6th.

SoFi Technologies Stock Performance

Shares of SoFi Technologies stock opened at $14.68 on Friday. The firm has a fifty day moving average of $16.95 and a two-hundred day moving average of $17.10. 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 capitalization of $18.96 billion, a price-to-earnings ratio of 30.58, a PEG ratio of 0.83 and a beta of 2.33. SoFi Technologies has a 52 week low of $13.86 and a 52 week high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Wednesday, July 29th. The company reported $0.12 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.11 by $0.01. SoFi Technologies had a return on equity of 6.22% and a net margin of 14.78%. The business had revenue of $1.21 billion for the quarter, compared to analyst estimates of $1.11 billion. During the same period last year, the company earned $0.08 EPS. The firm’s revenue was up 42.5% on a year-over-year basis. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. As a group, equities research analysts predict that SoFi Technologies will post 0.60 EPS for the current year.

Insider Activity at SoFi Technologies

In other SoFi Technologies news, EVP Kelli Keough sold 11,286 shares of the company’s stock in a transaction that occurred on Thursday, August 20th. The shares were sold at an average price of $18.00, for a total value of $203,148.00. Following the completion of the sale, the executive vice president owned 356,442 shares of the company’s stock, valued at approximately $6,415,956. This represents a 3.07% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CTO Jeremy Rishel sold 18,624 shares of the company’s stock in a transaction that occurred on Monday, September 21st. The shares were sold at an average price of $17.50, for a total transaction of $325,920.00. Following the completion of the sale, the chief technology officer directly owned 912,650 shares of the company’s stock, valued at $15,971,375. The trade was a 2.00% 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. Insiders have sold a total of 40,113 shares of company stock worth $702,417 in the last three months. 2.50% of the stock is owned by insiders.

Institutional Investors Weigh In On SoFi Technologies

Several hedge funds have recently bought and sold shares of the company. BlackRock Inc. acquired a new stake in shares of SoFi Technologies in the second quarter valued at approximately $1,298,925,000. Bank of America Corp DE bought a new stake in shares of SoFi Technologies in the second quarter worth $163,808,000. Mitsubishi UFJ Asset Management Co. Ltd. bought a new stake in shares of SoFi Technologies in the second quarter worth $93,937,000. Bank of New York Mellon Corp acquired a new position in SoFi Technologies during the second quarter worth $72,531,000. Finally, Legal & General Group Plc acquired a new position in SoFi Technologies during the second quarter worth $64,706,000. 38.43% of the stock is currently owned by institutional investors and hedge funds.

Key Stories Impacting SoFi Technologies

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

• Positive Sentiment: Benchmark upgraded SoFi Technologies to Strong Buy, adding to bullish analyst sentiment ahead of the company’s earnings release. Benchmark upgrades SoFi Technologies stock to Strong Buy
• Positive Sentiment: Wall Street expects year-over-year earnings growth, while SoFi’s recent combination of revenue growth, profitability and operating momentum could support another earnings beat. The company previously exceeded quarterly EPS and revenue expectations, with revenue rising 42.5% year over year. SoFi Technologies Reports Next Week
• Positive Sentiment: StoneX initiated coverage with a Buy rating, reflecting optimism about SoFi’s transition into a full-service digital bank, its growth profile and newer financial-services initiatives. StoneX initiates coverage of SoFi Technologies with buy rating
• Neutral Sentiment: SoFi is scheduled to release earnings on Tuesday, making the report the stock’s immediate catalyst. Results, guidance and loan-growth trends could determine whether the recent rebound holds. SoFi Technologies Set to Release Earnings
• Negative Sentiment: The shares fell to approximately $14.70, their lowest level since June of the prior year and about 55% below the 2025 high. The decline has occurred despite strong financial results, indicating continued skepticism and technical weakness ahead of earnings. SoFi stock lands at a crucial support as earnings loom
• Negative Sentiment: Keefe Bruyette & Woods reduced its price target to $15, highlighting more cautious expectations and limiting near-term upside relative to bullish ratings. Keefe Bruyette Woods cuts target for SoFi Technologies

SoFi Technologies Company Profile

SoFi Technologies, Inc is a digital financial services company that provides lending, banking, investing and other personal finance products through its online platform and mobile app. The company serves consumers primarily in the United States and aims to provide a centralized alternative to traditional financial institutions.

SoFi’s offerings include personal loans, student loan refinancing, home loans, checking and savings accounts, credit cards, investment products and financial education resources.