SoFi Technologies (NASDAQ:SOFI) Shares Down 3.4% – Should You Sell?

SoFi Technologies, Inc. (NASDAQ:SOFI)’s share price fell 3.4% during mid-day trading on Wednesday . The stock traded as low as $24.57 and last traded at $24.60. 47,938,750 shares traded hands during trading, a decline of 3% from the average session volume of 49,497,703 shares. The stock had previously closed at $25.46.

More SoFi Technologies News

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

• Positive Sentiment: Q4 beat and milestone top line: SoFi delivered record net revenue (~$1.0–1.03B) and EPS above consensus, evidence of accelerating profitability that validates the growth story. SoFi Proves the Bears Wrong Again With a Record Quarter
• Positive Sentiment: Membership and product traction: Company added ~1 million members in Q4 and cross-buy rose, supporting the platform/flywheel thesis and fee‑based revenue growth. SoFi Scales Cross-Selling
• Positive Sentiment: Raised 2026 guidance: Management bumped FY26 EPS and revenue targets (FY26 EPS ~$0.60 vs. street ~$0.56; revenue guidance roughly $4.7B vs. ~$4.5B consensus), signaling confidence in growth and margins. Company Guidance Update
• Neutral Sentiment: Product/partnership progress: SoFi highlighted product innovation (SoFiUSD stablecoin, SoFi Smart Card) and workplace partnerships that expand distribution but are longer‑term monetization opportunities. Products & Innovation
• Neutral Sentiment: Full-color disclosure available: Earnings call transcript and slide deck give details on credit metrics, deposit growth (~$38B) and loan originations (~$10.5B) for deeper modelling. Earnings Call Transcript
• Negative Sentiment: Stock weakness on “beat-and-fall”: Despite strong results the shares reversed and fell after an initial pop — investors appear worried the beat raises future expectations and reduces the scope for easy upside. Reverses Course and Falls After Beat-and-Raise
• Negative Sentiment: Valuation & capital questions persist: Recent equity raises (~$3B) and an elevated valuation mean investors are sensitive to execution risk — the stronger guidance raises the bar and could amplify downside if growth slips. $3B Capital Raise Concerns

Analysts Set New Price Targets

Several brokerages recently commented on SOFI. BTIG Research reaffirmed a “neutral” rating on shares of SoFi Technologies in a report on Wednesday, October 29th. Weiss Ratings restated a “hold (c)” rating on shares of SoFi Technologies in a research report on Thursday, January 22nd. Needham & Company LLC upped their target price on SoFi Technologies from $29.00 to $36.00 and gave the company a “buy” rating in a research report on Wednesday, October 29th. The Goldman Sachs Group lowered their target price on SoFi Technologies from $27.00 to $24.00 and set a “neutral” rating on the stock in a research note on Tuesday, January 6th. Finally, Barclays boosted their price target on SoFi Technologies from $23.00 to $28.00 and gave the company an “equal weight” rating in a research note on Tuesday, January 6th. One investment analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating, twelve have given a Hold rating and three have issued a Sell rating to the company’s stock. According to data from MarketBeat, SoFi Technologies presently has an average rating of “Hold” and an average price target of $25.50.

SoFi Technologies Price Performance

The stock has a market cap of $27.51 billion, a P/E ratio of 42.24, a PEG ratio of 1.53 and a beta of 1.92. The company has a debt-to-equity ratio of 0.31, a current ratio of 0.80 and a quick ratio of 0.16. The business’s fifty day moving average price is $26.95 and its 200 day moving average price is $26.27.

SoFi Technologies (NASDAQ:SOFI) last announced its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating analysts’ consensus estimates of $0.12 by $0.01. The company had revenue of $1.01 billion during the quarter, compared to analysts’ expectations of $984.75 million. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.SoFi Technologies’s revenue was up 39.6% compared to the same quarter last year. During the same period in the prior year, the company earned $0.05 EPS. SoFi Technologies has set its Q1 2026 guidance at 0.120- EPS and its FY 2026 guidance at 0.600- EPS. Sell-side analysts forecast that SoFi Technologies, Inc. will post 0.26 EPS for the current fiscal year.

Insider Transactions at SoFi Technologies

In other SoFi Technologies news, insider Arun Pinto sold 46,132 shares of SoFi Technologies stock in a transaction that occurred on Friday, November 21st. The stock was sold at an average price of $24.76, for a total value of $1,142,228.32. Following the completion of the sale, the insider directly owned 138,396 shares in the company, valued at approximately $3,426,684.96. The trade was a 25.00% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. Also, CTO Jeremy Rishel sold 91,837 shares of SoFi Technologies stock in a transaction on Wednesday, December 17th. The shares were sold at an average price of $26.64, for a total transaction of $2,446,537.68. Following the completion of the sale, the chief technology officer owned 794,598 shares of the company’s stock, valued at $21,168,090.72. This represents a 10.36% decrease in their position. The SEC filing for this sale provides additional information. In the last 90 days, insiders have sold 167,245 shares of company stock worth $4,362,815. Company insiders own 2.60% of the company’s stock.

Institutional Inflows and Outflows

Several hedge funds have recently modified their holdings of SOFI. Blue Trust Inc. boosted its stake in SoFi Technologies by 655.2% in the fourth quarter. Blue Trust Inc. now owns 1,012 shares of the company’s stock valued at $26,000 after acquiring an additional 878 shares during the last quarter. Central Pacific Bank Trust Division purchased a new stake in SoFi Technologies during the fourth quarter valued at about $28,000. Salomon & Ludwin LLC bought a new position in SoFi Technologies during the third quarter worth about $29,000. Thurston Springer Miller Herd & Titak Inc. purchased a new position in shares of SoFi Technologies in the fourth quarter worth about $29,000. Finally, SJS Investment Consulting Inc. raised its position in shares of SoFi Technologies by 840.3% in the third quarter. SJS Investment Consulting Inc. now owns 1,119 shares of the company’s stock valued at $30,000 after purchasing an additional 1,000 shares during the period. 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.