SoFi Technologies (NASDAQ:SOFI) Stock Price Up 1.2% – Should You Buy?

SoFi Technologies, Inc. (NASDAQ:SOFI)’s share price rose 1.2% during mid-day trading on Tuesday . The stock traded as high as $19.04 and last traded at $18.61. Approximately 71,522,896 shares were traded during trading, an increase of 15% from the average daily volume of 62,037,477 shares. The stock had previously closed at $18.39.

SoFi Technologies News Roundup

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

• Positive Sentiment: Unusually large call buying — investors bought ~632,777 SOFI calls (≈45% above typical daily call volume), signaling elevated bullish/options-driven demand that can amplify intraday upside.
• Positive Sentiment: Mastercard stablecoin payments deal boosts product momentum and payments roadmap; market has reacted positively to the potential for fee and product expansion. SoFi Shares Rise on Mastercard Stablecoin Payments Deal
• Positive Sentiment: Templum is offering select Cosmos Fund private placements (OpenAI, Perplexity AI, Colossal Biosciences) to SoFi members — a potential engagement and fee-generating product that can deepen member relationships. Templum to Offer Premier Private Market Investment Opportunities…
• Positive Sentiment: CEO insider buy — the CEO purchased ~$1M of SOFI stock, a signal often viewed positively by investors as alignment with shareholder interests. SoFi CEO Just Bought $1 Million of His Own Stock — And Analysts Think It Could Hit $26
• Positive Sentiment: Seeking Alpha upgrade to Buy citing a compelling valuation after a sharp pullback and solid fundamentals (Q4 dual beat and upbeat guidance) — this can attract value-focused investors. SoFi: The Rebound Has Started (Rating Upgrade)
• Neutral Sentiment: Zacks highlighted SOFI as a trending stock worth watching — increases visibility among retail users but is not a fundamental catalyst by itself. Here is What to Know Beyond Why SoFi Technologies, Inc. (SOFI) is a Trending Stock
• Neutral Sentiment: Valuation pieces and analyst commentary are circulating as the stock swings; these can drive churn but don’t change the company’s recent beat-and-guide fundamentals. Assessing SoFi Technologies (SOFI) Valuation After Recent Share Price Swings
• Negative Sentiment: Consensus analyst stance remains cautious — a recent aggregation shows a “Hold” consensus, which can limit upside from institutional rotations. SoFi Technologies, Inc. (NASDAQ:SOFI) Receives Consensus Recommendation of “Hold” from Analysts
• Negative Sentiment: Some analysts trimmed targets (e.g., Truist cut its target toward $21), reflecting remaining execution and valuation concerns that could cap near-term gains. Analyst Opinion Mixed on SoFi Technologies (SOFI) Stock in February

Analysts Set New Price Targets

A number of equities analysts have weighed in on SOFI shares. JPMorgan Chase & Co. upgraded 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. The Goldman Sachs Group dropped their target price on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a report on Tuesday, January 6th. Barclays boosted their price target on SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a report on Tuesday, January 6th. Truist Financial dropped their price target on shares of SoFi Technologies from $28.00 to $21.00 and set a “hold” rating on the stock in a research report on Wednesday, February 18th. Finally, Bank of America initiated coverage on shares of SoFi Technologies in a research report on Tuesday, January 6th. They issued an “underperform” rating and a $20.50 price objective for the company. Seven analysts have rated the stock with a Buy rating, eight have issued a Hold rating and three have assigned a Sell rating to the company. According to data from MarketBeat.com, the stock presently has an average rating of “Hold” and an average price target of $26.34.

SoFi Technologies Trading Up 2.9%

The business has a fifty day moving average price of $23.28 and a two-hundred day moving average price of $25.93. The company has a current ratio of 0.78, a quick ratio of 0.18 and a debt-to-equity ratio of 0.17. The firm has a market capitalization of $24.55 billion, a PE ratio of 50.66 and a beta of 2.20.

SoFi Technologies (NASDAQ:SOFI) last released its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, topping analysts’ consensus estimates of $0.12 by $0.01. SoFi Technologies had a return on equity of 5.88% and a net margin of 13.34%.The company had revenue of $1.01 billion for the quarter, compared to analysts’ expectations of $984.75 million. During the same period in the prior year, the firm earned $0.05 earnings per share. The firm’s revenue 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. Analysts expect that SoFi Technologies, Inc. will post 0.26 EPS for the current fiscal year.

Insider Activity

In other SoFi Technologies news, General Counsel Robert S. Lavet purchased 5,000 shares of the business’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 completion of the purchase, the general counsel directly owned 17,172 shares in the company, valued at approximately $361,298.88. This represents a 41.08% increase in their ownership of the stock. The acquisition was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, EVP Eric Schuppenhauer acquired 5,000 shares of the stock in a transaction dated Thursday, February 5th. The shares were acquired at an average cost of $19.93 per share, with a total value of $99,650.00. Following the completion of the transaction, the executive vice president owned 228,768 shares in the company, valued at approximately $4,559,346.24. This represents a 2.23% increase in their position. The disclosure for this purchase is available in the SEC filing. In the last three months, insiders sold 214,753 shares of company stock valued at $5,045,087. 2.60% of the stock is owned by corporate insiders.

Institutional Trading of SoFi Technologies

Several institutional investors and hedge funds have recently made changes to their positions in the company. Valley Wealth Managers Inc. purchased a new position in SoFi Technologies in the 4th quarter valued at $25,000. Blue Trust Inc. raised its holdings in SoFi Technologies by 655.2% during 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 last quarter. Vermillion Wealth Management Inc. increased its position in shares of SoFi Technologies by 283.1% in the fourth quarter. Vermillion Wealth Management Inc. now owns 1,000 shares of the company’s stock valued at $26,000 after buying an additional 739 shares in the last quarter. Central Pacific Bank Trust Division acquired a new position in shares of SoFi Technologies during the 4th quarter worth $28,000. Finally, Reflection Asset Management purchased a new stake in shares of SoFi Technologies in the 4th quarter worth about $28,000. 38.43% of the stock is owned by hedge funds and other institutional investors.

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.