SoFi Technologies (NASDAQ:SOFI) Stock Price Down 6.4% – What’s Next?

30 Jan 2026, 18:28 by Doug Wharley · The Cerbat Gem

SoFi Technologies, Inc. (NASDAQ:SOFI – Get Free Report) shares fell 6.4% during mid-day trading on Friday . The company traded as low as $22.31 and last traded at $22.81. 130,615,874 shares traded hands during mid-day trading, an increase of 140% from the average session volume of 54,514,688 shares. The stock had previously closed at $24.36.

Trending Headlines about SoFi Technologies

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

Positive Sentiment: Q4 beat and record quarter — SoFi reported $0.13 EPS (above consensus) and roughly $1.0B in revenue, its first $1B quarter, driven by strong loan originations and fee‑based revenue growth. Business Wire: SoFi Reports Fourth Quarter 2025
Positive Sentiment: Membership and margins acceleration — Management added ~1M members in Q4, fee‑based revenue and adjusted EBITDA expanded (record adjusted EBITDA and margin improvement), supporting the cross‑sell thesis. 247WallSt: Scorecard on SOFI Q4
Positive Sentiment: Raised FY‑2026 targets — SoFi nudged FY EPS and revenue guidance above Street expectations (FY EPS ~0.60 vs. ~0.56 consensus; revenue guided ~$4.7B vs. ~$4.5B consensus), which underpins forward expectations if execution continues. MarketBeat: SOFI earnings and guidance
Neutral Sentiment: Q1 guidance roughly in line — SoFi gave Q1 EPS guidance (0.12) and ~$1.0B revenue guidance that track Street estimates, reducing near‑term surprise risk but not adding upside. MarketBeat: SOFI Q1 guidance
Neutral Sentiment: Earnings call / details available — Management commentary and the transcript provide color on product adoption, capital allocation and margins; watch the call for specifics on buybacks, M&A or continued equity issuance. Seeking Alpha: Q4 2025 Earnings Call Transcript
Negative Sentiment: Capital‑raise and dilution concerns — Recent equity raises (~$3B previously) and management’s capital allocation plan remain a focal point; some investors see dilution risk or uncertainty about whether cash funds organic growth vs. M&A. Invezz: CEO defends capital raise
Negative Sentiment: Execution and valuation risk — Management’s upgraded FY targets raise the bar; skeptics note valuation and the need for continued high growth and margin expansion to justify current multiples. Investing.com: Profitability streak faces test

Wall Street Analyst Weigh In

Several equities research analysts recently issued reports on the company. BTIG Research reissued a “neutral” rating on shares of SoFi Technologies in a research note on Wednesday, October 29th. 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. Bank of America started coverage on shares of SoFi Technologies in a report on Tuesday, January 6th. They set an “underperform” rating and a $20.50 price target for the company. UBS Group upped their price objective on shares of SoFi Technologies from $20.50 to $27.50 and gave the company a “neutral” rating in a research note on Thursday, October 30th. Finally, Weiss Ratings reissued a “hold (c)” rating on shares of SoFi Technologies in a research note on Thursday, January 22nd. One equities research 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 given a Sell rating to the stock. According to MarketBeat, the stock has a consensus rating of “Hold” and an average target price of $25.50.

Get Our Latest Stock Analysis on SOFI

SoFi Technologies Stock Performance

The stock has a fifty day moving average price of $27.00 and a 200 day moving average price of $26.26. The company has a current ratio of 0.80, a quick ratio of 0.16 and a debt-to-equity ratio of 0.31. The firm has a market cap of $27.51 billion, a price-to-earnings ratio of 42.24, a price-to-earnings-growth ratio of 1.54 and a beta of 1.92.

SoFi Technologies (NASDAQ:SOFI – Get Free Report) last announced its quarterly earnings results on Friday, January 30th. The company reported $0.13 EPS for the quarter, beating the consensus estimate of $0.12 by $0.01. SoFi Technologies had a return on equity of 5.12% and a net margin of 19.29%.The company had revenue of $1.01 billion for the quarter, compared to the consensus estimate of $984.75 million. During the same quarter last year, the company posted $0.05 earnings per share. The company’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, analysts predict that SoFi Technologies, Inc. will post 0.26 earnings per share for the current year.

Insider Buying and Selling at SoFi Technologies

In other news, CTO Jeremy Rishel sold 91,837 shares of the firm’s stock in a transaction dated Wednesday, December 17th. The stock was sold at an average price of $26.64, for a total value of $2,446,537.68. Following the sale, the chief technology officer directly 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 sale was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. Also, EVP Kelli Keough sold 9,468 shares of the business’s stock in a transaction dated Tuesday, January 20th. The stock was sold at an average price of $25.75, for a total value of $243,801.00. Following the transaction, the executive vice president directly owned 303,480 shares of the company’s stock, valued at $7,814,610. This represents a 3.03% decrease in their position. The disclosure for this sale is available in the SEC filing. Insiders sold 167,245 shares of company stock worth $4,362,815 over the last ninety days. Company insiders own 2.60% of the company’s stock.

Institutional Investors Weigh In On SoFi Technologies

Hedge funds and other institutional investors have recently modified their holdings of the stock. Brighton Jones LLC boosted its holdings in SoFi Technologies by 2.0% in the 4th quarter. Brighton Jones LLC now owns 719,288 shares of the company’s stock valued at $11,077,000 after purchasing an additional 14,281 shares during the period. Caxton Associates LLP bought a new stake in shares of SoFi Technologies in the first quarter valued at about $129,000. Empowered Funds LLC grew its position in SoFi Technologies by 5.2% during the first quarter. Empowered Funds LLC now owns 33,126 shares of the company’s stock worth $385,000 after buying an additional 1,631 shares in the last quarter. Farther Finance Advisors LLC grew its position in SoFi Technologies by 147.7% during the second quarter. Farther Finance Advisors LLC now owns 10,771 shares of the company’s stock worth $196,000 after buying an additional 6,423 shares in the last quarter. Finally, Janney Montgomery Scott LLC increased its stake in SoFi Technologies by 13.1% during the second quarter. Janney Montgomery Scott LLC now owns 167,370 shares of the company’s stock valued at $3,048,000 after acquiring an additional 19,439 shares during the period. Institutional investors and hedge funds own 38.43% of the company’s stock.

SoFi Technologies Company Profile

(Get Free Report)

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.