SoFi Technologies (NASDAQ:SOFI) Trading Down 3% – What’s Next?

SoFi Technologies, Inc. (NASDAQ:SOFI) fell 3% on Wednesday . The stock traded as low as $20.14 and last traded at $20.55. 52,309,314 shares changed hands during trading, a decline of 12% from the average session volume of 59,306,785 shares. The stock had previously closed at $21.18.

SoFi Technologies News Roundup

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

• Positive Sentiment: Zacks highlights SoFi’s 2026 outlook calling for ~30% revenue growth and a plan to reach mid‑30% EBITDA margins, a message that supports a re‑rating toward profitability. SoFi’s 2026 Outlook: Margin Expansion Strengthens Further
• Positive Sentiment: Citizens JMP upgraded SOFI to Outperform (reported by news services), creating fresh buy‑side interest and headline momentum behind the stock. SoFi Technologies (NASDAQ:SOFI) Raised to Outperform at Citizens Jmp
• Positive Sentiment: Bullish commentary (The Motley Fool and other outlets) frames recent weakness as a buying opportunity given cross‑segment growth, blockchain initiatives appealing to younger users, and operating leverage from rising fee and interest income. SoFi Stock Tumbles. Why It’s a Buying Opportunity.
• Neutral Sentiment: Market commentators and screens are asking whether the recent run has gotten ahead of fundamentals; these pieces raise valuation questions but are more thematic than immediate catalysts. Has The Market Run Too Far With SoFi Technologies (SOFI) After Its Recent Surge In Price?
• Neutral Sentiment: Short‑term technical/headline moves: upgrade chatter helped the Nasdaq and supported SOFI earlier, while traders also reacted to sector events (Robinhood earnings), producing intraday volatility. SoFi Stock Slips Ahead Of Robinhood Earnings: What To Know
• Negative Sentiment: Director Steven Freiberg sold 94,225 shares (~$1.9M) recently; such insider selling is being read negatively by some traders even though the director still holds a large position. SoFi Technologies (NASDAQ:SOFI) Director Sells $1,913,709.75 in Stock
• Negative Sentiment: Despite adjusted beats, GAAP profit weakness and some post‑earnings price‑target cuts (eg. UBS trimming its PT) have pressured the stock and prompted cautious analyst notes. UBS Lowers SoFi Technologies (SOFI) PT to $24.50 Following Mixed Performance

Analyst Upgrades and Downgrades

Several equities research analysts have recently weighed in on SOFI shares. JPMorgan Chase & Co. raised shares of SoFi Technologies from a “neutral” rating to an “overweight” rating and set a $31.00 target price on the stock in a research note on Tuesday, February 3rd. UBS Group set a $24.50 price objective on shares of SoFi Technologies in a research report on Monday, February 2nd. Needham & Company LLC dropped their target price on SoFi Technologies from $36.00 to $33.00 and set a “buy” rating for the company in a research report on Monday, February 2nd. Bank of America assumed coverage on SoFi Technologies in a research note on Tuesday, January 6th. They set an “underperform” rating and a $20.50 target price on the stock. Finally, Barclays raised their price target on SoFi Technologies from $23.00 to $28.00 and gave the stock an “equal weight” rating in a research note on Tuesday, January 6th. One equities research analyst has rated the stock with a Strong Buy rating, seven have issued a Buy rating, nine have assigned a Hold rating and three have assigned a Sell rating to the company’s stock. According to MarketBeat, the stock has a consensus rating of “Hold” and an average target price of $26.21.

SoFi Technologies Trading Down 3.0%

The stock’s 50-day moving average price is $25.88 and its 200 day moving average price is $26.33. 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 firm has a market capitalization of $24.78 billion, a PE ratio of 54.08 and a beta of 2.13.

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 return on equity of 6.48% and a net margin of 13.34%.The business had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. During the same quarter in the prior year, the company earned $0.05 EPS. The business’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. On average, sell-side analysts expect that SoFi Technologies, Inc. will post 0.26 EPS for the current fiscal year.

Insider Buying and Selling at SoFi Technologies

In other news, EVP Eric Schuppenhauer acquired 5,000 shares of the business’s stock in a transaction dated Thursday, February 5th. The shares were purchased at an average price of $19.93 per share, with a total value of $99,650.00. Following the transaction, the executive vice president directly owned 228,768 shares in the company, valued at approximately $4,559,346.24. This represents a 2.23% increase in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. Also, CTO Jeremy Rishel sold 91,837 shares of the firm’s stock in a transaction that occurred 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 approximately $21,168,090.72. This trade represents a 10.36% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. In the last quarter, insiders sold 261,470 shares of company stock valued at $6,276,524. 2.60% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently made changes to their positions in the stock. Mitsubishi UFJ Asset Management Co. Ltd. increased its holdings in shares of SoFi Technologies by 12.5% during the 2nd quarter. Mitsubishi UFJ Asset Management Co. Ltd. now owns 4,879,959 shares of the company’s stock valued at $88,864,000 after purchasing an additional 540,610 shares in the last quarter. Vestmark Advisory Solutions Inc. acquired a new stake in SoFi Technologies in the 2nd quarter worth about $209,000. Quantbot Technologies LP purchased a new stake in shares of SoFi Technologies during the second quarter worth $25,699,000. Marex Group plc acquired a new stake in SoFi Technologies in the 2nd quarter valued at about $11,179,000. Finally, Sigma Planning Corp increased its holdings in shares of SoFi Technologies by 34.7% in the second quarter. Sigma Planning Corp now owns 60,653 shares of the company’s stock valued at $1,104,000 after purchasing an additional 15,617 shares during the last quarter. Hedge funds and other institutional investors own 38.43% of the company’s stock.

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.