SoFi Technologies (NASDAQ:SOFI) Upgraded at Citizens Jmp

SoFi Technologies (NASDAQ:SOFI) was upgraded by equities researchers at Citizens Jmp from a “market perform” rating to an “outperform” rating in a report released on Monday. The firm presently has a $30.00 target price on the stock. Citizens Jmp’s price objective would suggest a potential upside of 43.82% from the company’s previous close.

SOFI has been the subject of a number of other research reports. JPMorgan Chase & Co. raised 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. UBS Group set a $24.50 price objective on shares of SoFi Technologies in a research note on Monday, February 2nd. Barclays lifted their target price on SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. Mizuho set a $38.00 price objective on SoFi Technologies in a report on Thursday, October 30th. Finally, Needham & Company LLC decreased their target price on SoFi Technologies from $36.00 to $33.00 and set a “buy” rating for the company in a report on Monday, February 2nd. One investment analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating, nine have assigned a Hold rating and three have assigned a Sell rating to the stock. Based on data from MarketBeat, the company currently has a consensus rating of “Hold” and a consensus price target of $26.21.

SoFi Technologies Price Performance

Shares of NASDAQ:SOFI opened at $20.86 on Monday. SoFi Technologies has a one year low of $8.60 and a one year high of $32.73. The stock has a market cap of $25.16 billion, a PE ratio of 54.90 and a beta of 2.13. The business’s fifty day moving average price is $26.20 and its two-hundred day moving average price is $26.33. The company has a debt-to-equity ratio of 0.31, a quick ratio of 0.16 and a current ratio of 0.80.

SoFi Technologies (NASDAQ:SOFI) last announced its 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. The firm had revenue of $1.01 billion for the quarter, compared to analyst estimates of $984.75 million. SoFi Technologies had a net margin of 13.34% and a return on equity of 6.48%. SoFi Technologies’s revenue was up 39.6% compared to the same quarter last year. During the same quarter last year, the business earned $0.05 earnings per share. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. On average, analysts forecast that SoFi Technologies will post 0.26 EPS for the current fiscal year.

Insiders Place Their Bets

In other SoFi Technologies news, General Counsel Robert S. Lavet acquired 5,000 shares of the company’s stock in a transaction on Friday, February 6th. The shares were bought at an average cost of $21.04 per share, for a total transaction of $105,200.00. Following the acquisition, the general counsel directly owned 17,172 shares of the company’s stock, valued at $361,298.88. This trade represents a 41.08% increase in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. Also, insider Arun Pinto sold 46,132 shares of the stock in a transaction that occurred on Friday, November 21st. The shares were sold at an average price of $24.76, for a total value of $1,142,228.32. Following the transaction, the insider owned 138,396 shares of the company’s stock, valued at approximately $3,426,684.96. This trade represents a 25.00% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. In the last 90 days, insiders have sold 167,245 shares of company stock valued at $4,362,815. Insiders own 2.60% of the company’s stock.

Hedge Funds Weigh In On SoFi Technologies

Hedge funds have recently bought and sold shares of the company. Valley Wealth Managers Inc. acquired a new position in shares of SoFi Technologies in the 4th quarter worth approximately $25,000. Blue Trust Inc. boosted its holdings in SoFi Technologies by 655.2% in the fourth quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock worth $26,000 after purchasing an additional 878 shares during the period. Central Pacific Bank Trust Division bought a new stake in SoFi Technologies during the fourth quarter valued at $28,000. Salomon & Ludwin LLC acquired a new stake in shares of SoFi Technologies during the third quarter worth $29,000. Finally, Thurston Springer Miller Herd & Titak Inc. bought a new position in shares of SoFi Technologies in the 4th quarter worth about $29,000. 38.43% of the stock is currently owned by institutional investors and hedge funds.

SoFi Technologies News Summary

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

• Positive Sentiment: SoFi reported a beat and bullish 2026 outlook — management posted its first $1B revenue quarter, record profitability, and guided to roughly 30% revenue growth and ~52% adj.‑EBITDA growth for 2026, giving investors a growth + margin expansion story to buy. Read More.
• Positive Sentiment: Insiders are buying — company insiders (including the general counsel and other executives) bought shares last week, signaling management confidence and providing a near‑term technical support narrative. Read More.
• Positive Sentiment: Investor bull cases emphasize durable cross‑sell, rising fee revenue and operating leverage — several note‑style pieces argue the pullback creates a buying opportunity given membership/product growth and improving unit economics. Read More.
• Neutral Sentiment: Customer surge highlights scale test for blockchain/global push — rising member volume is testing SoFi’s infrastructure as it pursues Web3/blockchain features and international expansion; could be a multi‑quarter execution story rather than an immediate catalyst. Read More.
• Neutral Sentiment: Consensus remains mixed — sell‑side coverage clusters around a “Hold” average and a mid‑$20s consensus target, so analyst views are split and further revisions could drive volatility. Read More.
• Negative Sentiment: GAAP profit fell and market reaction was negative — headlines noted an 8.5% drop after the GAAP profit decline despite strong adjusted metrics and membership gains, prompting knee‑jerk selling. Read More.
• Negative Sentiment: Analysts trimmed price targets and UBS cut its PT — several firms reduced targets post‑earnings (e.g., UBS to $24.50), increasing downside risk until growth/GAAP trends re‑assure investors. Read More.

About SoFi Technologies

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.