Insider Selling: SoFi Technologies (NASDAQ:SOFI) EVP Sells $173,348.97 in Stock

SoFi Technologies, Inc. (NASDAQ:SOFI) EVP Kelli Keough sold 10,203 shares of the stock in a transaction that occurred on Monday, September 21st. The stock was sold at an average price of $16.99, for a total value of $173,348.97. Following the transaction, the executive vice president directly owned 408,073 shares of the company’s stock, valued at approximately $6,933,160.27. This trade represents a 2.44% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.

Kelli Keough also recently made the following trade(s):

• On Thursday, August 20th, Kelli Keough sold 11,286 shares of SoFi Technologies stock. The stock was sold at an average price of $18.00, for a total value of $203,148.00.
• On Monday, July 20th, Kelli Keough sold 10,954 shares of SoFi Technologies stock. The stock was sold at an average price of $17.19, for a total value of $188,299.26.

SoFi Technologies Price Performance

SoFi Technologies stock opened at $16.58 on Friday. The company has a market cap of $21.41 billion, a P/E ratio of 34.54, a price-to-earnings-growth ratio of 1.39 and a beta of 2.20. SoFi Technologies, Inc. has a one year low of $14.88 and a one year high of $32.73. The business has a fifty day moving average of $17.60 and a two-hundred day moving average of $17.29. The company has a debt-to-equity ratio of 0.30, a quick ratio of 0.10 and a current ratio of 0.74.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Wednesday, July 29th. The company reported $0.12 earnings per share for the quarter, topping analysts’ consensus estimates of $0.11 by $0.01. The business had revenue of $1.21 billion for the quarter, compared to analysts’ expectations of $1.11 billion. SoFi Technologies had a net margin of 14.78% and a return on equity of 6.22%. The business’s revenue for the quarter was up 42.5% on a year-over-year basis. During the same period in the prior year, the company posted $0.08 EPS. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. As a group, analysts predict that SoFi Technologies, Inc. will post 0.6 earnings per share for the current fiscal year.

Analyst Upgrades and Downgrades

A number of research analysts have issued reports on SOFI shares. Needham & Company LLC dropped their target price on shares of SoFi Technologies from $25.00 to $24.00 and set a “buy” rating for the company in a report on Thursday, July 30th. Piper Sandler initiated coverage on SoFi Technologies in a research note on Monday, August 17th. They set an “overweight” rating and a $22.00 price target on the stock. Mizuho lowered their price target on SoFi Technologies from $29.00 to $22.00 and set an “outperform” rating on the stock in a report on Friday, July 31st. 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 research note on Thursday, July 30th. Finally, Scotiabank assumed coverage on SoFi Technologies in a report on Wednesday, September 2nd. They set a “sector outperform” rating and a $25.00 price objective for the company. Nine equities research analysts have rated the stock with a Buy rating, eleven have assigned a Hold rating and three have given a Sell rating to the company’s stock. According to MarketBeat.com, the stock currently has a consensus rating of “Hold” and a consensus target price of $22.52.

Key Headlines Impacting SoFi Technologies

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

• Positive Sentiment: SoFi’s broader “everything app” strategy continues to attract bullish attention. The company has expanded beyond lending into banking, credit cards, investing and financial technology infrastructure, while operating metrics cited in recent commentary suggest customer and product growth remains healthy. SoFi Built a Bank, a Card Program, and a Stablecoin
• Positive Sentiment: Recent bullish articles argue that the selloff has created a potential buying opportunity before earnings. SoFi’s latest quarterly results showed 42.5% year-over-year revenue growth, $1.21 billion in revenue and adjusted earnings above expectations, supporting the case for continued operating momentum. Should You Buy SoFi Stock Before October 27?
• Positive Sentiment: SoFi’s partnership with Mastercard to settle card transactions using its dollar-backed SoFiUSD stablecoin could eventually support fee revenue, cross-border payments and remittances. However, the financial impact has not yet been quantified.
• Neutral Sentiment: Investor sentiment remains mixed. The consensus rating is Hold, with a reported average price target of $22.52 versus shares near $16.58, while analysts differ significantly on the company’s valuation and execution prospects.
• Neutral Sentiment: Reports on short interest are contradictory: one article describes elevated short interest, while another lists zero shares short. The inconsistency limits the usefulness of short-interest data as a near-term trading signal.
• Negative Sentiment: SoFi has participated in a broader selloff in consumer-lending stocks, suggesting concerns about credit risk, borrowing demand and sector valuation rather than company-specific news alone. Consumer Lending Stocks Slide
• Negative Sentiment: Chief Technology Officer Jeremy Rishel and EVP Kelli Keough sold shares worth approximately $326,000 and $173,000, respectively. Both transactions were conducted under pre-arranged Rule 10b5-1 plans, reducing—but not eliminating—their negative signaling value. Kelli Keough Insider Sale

Institutional Investors Weigh In On SoFi Technologies

Hedge funds have recently modified their holdings of the company. Vermillion Wealth Management Inc. grew its holdings 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 buying an additional 739 shares in the last quarter. Reflection Asset Management purchased a new position in shares of SoFi Technologies during the fourth quarter valued at approximately $28,000. SHP Wealth Management acquired a new stake in SoFi Technologies during the fourth quarter worth approximately $36,000. Compass Financial Management LLC acquired a new stake in SoFi Technologies during the second quarter worth approximately $34,000. Finally, Cornerstone Planning Group LLC grew its stake in SoFi Technologies by 232.1% in the 1st quarter. Cornerstone Planning Group LLC now owns 2,099 shares of the company’s stock worth $34,000 after acquiring an additional 1,467 shares during the period. 38.43% of the stock is owned by institutional investors and hedge funds.

SoFi Technologies Company Profile

SoFi Technologies, Inc is a financial technology company that provides digital financial services to consumers in the United States. The company began in 2011 as a platform focused on student loan refinancing and has expanded into a broader range of lending, banking and investment products.

Through its SoFi platform, the company offers personal loans, student loans, home loans, checking and savings accounts, credit cards, brokerage and investing services, and financial planning tools. Its products are primarily delivered through digital channels, including its website and mobile applications.

SoFi also operates a technology platform business through Galileo Financial Technologies and Technisys, which provide payment, account-management and other financial infrastructure to banks, fintech companies and other businesses.