SoFi Technologies (NASDAQ:SOFI) Trading Up 1.4% – Time to Buy?

SoFi Technologies, Inc. (NASDAQ:SOFI) shares traded up 1.4% during mid-day trading on Thursday . The stock traded as high as $15.89 and last traded at $15.85. 52,889,929 shares traded hands during trading, a decline of 17% from the average session volume of 64,091,090 shares. The stock had previously closed at $15.63.

SoFi Technologies News Roundup

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

• Positive Sentiment: SoFi launched a business banking product that lets enterprise customers hold deposits, transfer funds and settle transactions through its nationally chartered bank — a move that can grow core deposits, deepen customer relationships and support fee income. SoFi Launches Banking Service for Businesses. Can It Boost the Struggling Stock?
• Positive Sentiment: SoFi expanded its Loan Platform business, securing more than $3.6 billion in personal-loan delivery commitments across three new partners — this shifts revenue mix toward fee-based, lower-capital growth and reduces sensitivity to net interest margin swings. A Look At SoFi Technologies (SOFI) Valuation After Expanding Its Loan Platform Partnerships
• Positive Sentiment: Inclusion in the FTSE All-World index (noted in coverage of the loan-platform expansion) may drive passive inflows and broaden investor base, supporting share demand. A Look At SoFi Technologies (SOFI) Valuation After Expanding Its Loan Platform Partnerships
• Positive Sentiment: The Motley Fool named SoFi among long-term “monster” stock picks, reinforcing a narrative that SoFi is well positioned in digital banking/consumer finance — helpful for retail sentiment. 3 Monster Stocks to Hold for the Next 10 Years
• Neutral Sentiment: SoFi scheduled its Q1 2026 earnings release and conference call for April 29 — an upcoming catalyst where results and guidance will likely drive short-term moves. SoFi Schedules Conference Call to Discuss Q1 2026 Results
• Neutral Sentiment: SoFi has been a “trending” stock in market coverage (higher attention and volume), which can amplify volatility but is not directionally predictive. SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
• Negative Sentiment: Short-seller Muddy Waters alleged improper accounting (unrecorded debt, inflated EBITDA); SoFi has denied the claims and the CEO purchased about $500k of stock — the allegations create material reputational and regulatory risk until resolved. How Investors May Respond To SoFi Technologies (SOFI) Short-Seller Allegations And CEO Stock Purchase
• Negative Sentiment: Coverage noted a recent share-price decline and intraday weakness despite broader market gains, highlighting investor skepticism and near-term volatility risk. SoFi Technologies, Inc. (SOFI) Stock Drops Despite Market Gains: Important Facts to Note

Wall Street Analysts Forecast Growth

A number of analysts recently commented on the stock. Bank of America initiated coverage on shares of SoFi Technologies in a research note on Tuesday, January 6th. They issued an “underperform” rating and a $20.50 target price for the company. Barclays upped their price target on shares of SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a research note on Tuesday, January 6th. Citizens Jmp raised shares of SoFi Technologies from a “market perform” rating to an “outperform” rating and set a $30.00 price target for the company in a report on Monday, February 9th. JPMorgan Chase & Co. upgraded shares of SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 price objective for the company in a research note on Tuesday, February 3rd. Finally, Truist Financial cut their target price on SoFi Technologies from $28.00 to $21.00 and set a “hold” rating on the stock in a research report on Wednesday, February 18th. Seven equities research analysts have rated the stock with a Buy rating, nine have assigned a Hold rating and three have given a Sell rating to the company’s stock. According to data from MarketBeat, SoFi Technologies has a consensus rating of “Hold” and an average target price of $25.91.

SoFi Technologies Trading Up 1.4%

The stock has a 50-day moving average of $19.42 and a 200 day moving average of $24.82. The company has a quick ratio of 0.18, a current ratio of 0.78 and a debt-to-equity ratio of 0.17. The stock has a market cap of $20.21 billion, a PE ratio of 41.71 and a beta of 2.24.

SoFi Technologies (NASDAQ:SOFI) last posted its quarterly earnings results on Friday, January 30th. The company reported $0.13 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a net margin of 13.34% and a return on equity of 5.88%. The company had revenue of $1.01 billion during the quarter, compared to analyst estimates of $984.75 million. During the same period last year, the firm posted $0.05 EPS. SoFi Technologies’s revenue for the quarter was up 39.6% compared to the same quarter last year. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. As a group, sell-side analysts anticipate that SoFi Technologies, Inc. will post 0.26 earnings per share for the current year.

Insider Activity

In related news, Director Steven J. Freiberg sold 94,225 shares of the business’s stock in a transaction on Friday, February 6th. The shares were sold at an average price of $20.31, for a total transaction of $1,913,709.75. Following the completion of the transaction, the director directly owned 588,849 shares in the company, valued at $11,959,523.19. The trade was a 13.79% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available at this hyperlink. Also, EVP Kelli Keough sold 9,755 shares of the company’s stock in a transaction on Friday, February 20th. The shares were sold at an average price of $18.87, for a total transaction of $184,076.85. Following the completion of the sale, the executive vice president directly owned 293,725 shares in the company, valued at approximately $5,542,590.75. The trade was a 3.21% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last quarter, insiders have bought 38,900 shares of company stock valued at $705,398 and have sold 218,148 shares valued at $4,161,735. 2.60% of the stock is currently owned by company insiders.

Institutional Trading of SoFi Technologies

A number of hedge funds have recently modified their holdings of SOFI. Rockefeller Capital Management L.P. lifted its holdings in SoFi Technologies by 2.8% in the fourth quarter. Rockefeller Capital Management L.P. now owns 1,016,199 shares of the company’s stock valued at $26,604,000 after acquiring an additional 27,380 shares during the period. World Investment Advisors grew its stake in shares of SoFi Technologies by 16.8% during the 4th quarter. World Investment Advisors now owns 36,813 shares of the company’s stock worth $964,000 after purchasing an additional 5,287 shares during the period. Corient Private Wealth LLC grew its stake in shares of SoFi Technologies by 25.3% during the 4th quarter. Corient Private Wealth LLC now owns 182,608 shares of the company’s stock worth $4,781,000 after purchasing an additional 36,874 shares during the period. Hsbc Holdings PLC increased its holdings in shares of SoFi Technologies by 14.8% during the 4th quarter. Hsbc Holdings PLC now owns 419,105 shares of the company’s stock valued at $10,992,000 after purchasing an additional 53,941 shares in the last quarter. Finally, Pure Financial Advisors LLC acquired a new position in shares of SoFi Technologies in the 4th quarter valued at $315,000. Hedge funds and other 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.