SoFi Technologies Inc. ($SOFI) Stock Forecast: Down 5.7% Today

What is SoFi Technologies Inc.?

SoFi Technologies (NASDAQ: SOFI) is a fintech company that offers various financial products and services. The stock price dropped 3% to $20.55 today.

Why is SoFi Technologies Inc. going down?

SOFI stock is down 5.7% on Feb 12, 2026 16:27

• Despite surpassing Q4 earnings and revenue estimates and providing robust guidance for 2026, concerns about insider selling and adjustments to price targets have impacted SOFI's stock price.
• Notable insider sales, particularly by company directors, may have influenced the bearish movement, potentially indicating doubts about the company's future.
• Analysts' consensus rating of "Hold" and an average price target of $26.21 reflect a cautious outlook on SOFI, with some analysts adjusting their positions due to uncertainties surrounding the fintech sector's valuation.
• SOFI's underperformance compared to the broader market this year, despite potential upsides as suggested by some analysts, indicates that investors are monitoring the company's developments and growth prospects closely before adopting a more optimistic stance.

SOFI Price Chart

SOFI Technical Analysis

SOFI News

SoFi Technologies (NASDAQ:SOFI) Trading Down 3% - What's Next?

SoFi Technologies (NASDAQ:SOFI) stock dropped 3% to $20.55 on Wednesday with lower-than-average trading volume, following a mix of analyst upgrades and downgrades, and insider selling. Despite beating adjusted Q4 earnings and revenue estimates and providing strong 2026 guidance, concerns persist due to insider sales and some price target cuts. Analysts currently hold a consensus "Hold" rating on SOFI with an average price target of $26.21.

https://www.marketbeat.com/instant-alerts/sofi-technologies-nasdaqsofi-trading-down-3-whats-next-2026-02-11/

Caprock Group LLC Buys Shares of 228,411 SoFi Technologies, Inc. $SOFI

Caprock Group LLC has acquired 228,411 shares of SoFi Technologies, Inc., valued at approximately $5.83 million, during the third quarter. This comes amidst mixed insider activity, with significant sales by company directors and a healthy 39.6% year-over-year revenue growth reported in the latest quarter. Analysts currently hold a "Hold" consensus rating for SOFI, with a target price of $26.21, following recent upgrades and downgrades.

https://www.marketbeat.com/instant-alerts/filing-caprock-group-llc-buys-shares-of-228411-sofi-technologies-inc-sofi-2026-02-11/

Allianz Asset Management GmbH Acquires Shares of 232,827 SoFi Technologies, Inc. $SOFI

Allianz Asset Management GmbH recently acquired 232,827 shares of SoFi Technologies, Inc. worth approximately $6.15 million in the third quarter. SoFi reported strong Q3 earnings, beating analyst expectations with $0.13 EPS and $1.01 billion in revenue, and provided optimistic guidance for 2026. Despite mixed insider trading signals and analyst ratings ranging from "Outperform" to "Underperform," institutional investors now hold a significant portion of the company's stock.

https://www.marketbeat.com/instant-alerts/filing-allianz-asset-management-gmbh-acquires-shares-of-232827-sofi-technologies-inc-sofi-2026-02-10/

SoFi Technologies director Freiberg sells $1.9 million in shares

SoFi Technologies director Steven J. Freiberg sold 94,225 shares of common stock worth approximately $1.9 million on February 6, 2026, while also exercising options to acquire 250,000 shares for $1.83 million. The company has seen varied analyst actions, with some upgrades due to strong performance and others adjusting price targets amid fintech valuation concerns, following its exceeding Q4 revenue and earnings expectations. SoFi trades above its fair value despite a high P/E ratio, showing a 41.11% return over the past year.

https://www.investing.com/news/insider-trading-news/sofi-technologies-director-freiberg-sells-19-million-in-shares-93CH-4495429

SoFi Stock Gets Upgraded. Why Shares Could Gain 40%.

SoFi Technologies stock has been upgraded to Outperform from Market Perform by analysts at Citizens JMP, with a price target of $30. Despite the company's shares underperforming the broader market this year, analysts believe there is significant upside potential, suggesting a possible 40% gain.

https://www.barrons.com/articles/sofi-technologies-stock-upgrade-buy-73735c96?gaa_at=eafs&gaa_n=AWEtsqdRy7yt3Z82F4OuxO0MnUtsdmnaTWc4idK2SKw2V7TXDXzbPyD4KeYZ&gaa_ts=698a2a38&gaa_sig=KjIy_jk8I2QcU01GHItHEs9yF4FvJqALArVM0lmSInENZSoGyLlZo-HhNzoREzZRtHdGlX_BWvKF_j3nnJnL5A%3D%3D

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SoFi Technologies Inc. Price History

05.01.2026 - SOFI Stock was down 6.6%

• Despite a strong fourth-quarter performance with record revenue and member growth, SoFi's stock experienced a bearish movement.
• Concerns raised by analysts include the company's capital-raising strategy, acquisition plans, and elevated P/E ratio, leading to adjustments in price targets and ratings.
• The market sentiment towards SoFi has been unfavorable, overshadowing positive growth in members and deposits noted by an analyst.
• Questions raised by investors revolve around whether the revenue growth justifies the current valuation, highlighting a potential gap between operational performance and market expectations.

22.00.2026 - SOFI Stock was up 5.2%

• The acquisition of a significant number of shares by Covenant Asset Management LLC and SoFi surpassing Q3 earnings estimates could have bolstered investor confidence, driving a bullish market response.
• Although Patient Capital Management LLC decreased its stake in SoFi, the growth in positions by other institutions and positive analyst outlook on SoFi's performance may have contributed to the upward trend.
• The collaboration between GoTu and SoFi to offer financial wellness resources to dental professionals may have underscored SoFi's dedication to expanding its service portfolio and attracting new customer segments, further supporting the positive market momentum.
• The favorable forecasts for SoFi's financial performance, alongside institutional investments and strategic partnerships, likely propelled today's bullish run in the stock, despite some insider sales.

05.00.2026 - SOFI Stock was up 5.3%

• The announcement of SoFi's fourth quarter and full-year 2025 earnings release date on January 30 generated positive anticipation among investors, resulting in a 4.9% increase in the stock price.
• Analysts and financial forecasters are optimistic about SoFi's future growth, with a projected price target of $55.30 per share by 2030. This outlook is supported by the company's strategic expansion of financial services and efforts to retain customers.
• Despite recent insider selling, institutional investors like Diversified Trust Co have expressed confidence in SoFi by significantly increasing their stake in the company, reflecting positive sentiment towards its future prospects.
• Factors such as the upcoming U.S. jobs and inflation data, as well as market interest rate trends, could impact SoFi's stock performance leading up to its earnings report.

09.00.2026 - SOFI Stock was up 5.2%

• SoFi's stock saw a significant increase of about 7.5% during early afternoon trading.
• The rise in stock value is linked to an increase in bullish options trading activity ahead of the upcoming earnings announcement on Jan. 30.
• Investors are showing confidence in SoFi's potential growth, particularly in loan demand, credit quality, and expansion into fee-based revenue streams.
• The excitement surrounding the earnings report and the high volume of short-dated call options being traded suggest a strong market interest and potential upcoming market fluctuations.

02.00.2026 - SOFI Stock was up 1.2%

• SoFi stock demonstrated strength by closing higher today, in contrast to the cautious market sentiment and year-end selloff, reflecting robust investor confidence in the company's growth trajectory.
• The positive movement may be linked to investors' optimism regarding SoFi's forthcoming earnings and its adept handling of interest rate fluctuations.
• Insider selling and varied analyst viewpoints notwithstanding, SoFi's impressive Q3 performance and optimistic FY2025 guidance likely bolstered the stock's upward trend.
• The Federal Reserve meeting minutes had minimal impact on SoFi's stock, indicating that investors are closely monitoring economic data releases and interest rate policies for future trading cues.

26.10.2025 - SOFI Stock was up 6.9%

• Positive movements in SoFi's stock today are linked to strong bullish sentiment from major players in the options market.
• Increased unusual trading activity and a majority of traders leaning towards a bullish outlook point to a positive sentiment towards SoFi Technologies.
• This uptick in bullish behavior indicates investor confidence in the company's growth potential and optimistic expectations for its future performance.
• The market activity also suggests investor belief in SoFi's ability to leverage opportunities in the financial technology and digital banking sectors.

11.01.2026 - SOFI Stock was down 5.9%

• An acquisition of a significant number of shares by Allianz Asset Management GmbH could indicate confidence in SoFi's long-term prospects, while the selling of shares by director Steven J. Freiberg might have raised concerns among investors.
• Mixed analyst actions, including upgrades and price target adjustments, reflect the uncertainty surrounding SoFi's valuation and future performance.
• Despite SoFi's strong Q4 earnings, the State of Michigan Retirement System selling a large portion of its stake implies that some institutional investors may be taking profits or reevaluating their positions.
• Price target cuts following the earnings report could have contributed to the bearish movement, as investors may have reacted negatively to any perceived weaknesses in SoFi's financial results.

12.01.2026 - SOFI Stock was down 5.7%

• Despite surpassing Q4 earnings and revenue estimates and providing robust guidance for 2026, concerns about insider selling and adjustments to price targets have impacted SOFI's stock price.
• Notable insider sales, particularly by company directors, may have influenced the bearish movement, potentially indicating doubts about the company's future.
• Analysts' consensus rating of "Hold" and an average price target of $26.21 reflect a cautious outlook on SOFI, with some analysts adjusting their positions due to uncertainties surrounding the fintech sector's valuation.
• SOFI's underperformance compared to the broader market this year, despite potential upsides as suggested by some analysts, indicates that investors are monitoring the company's developments and growth prospects closely before adopting a more optimistic stance.

17.11.2025 - SOFI Stock was down 5.2%

• A new investor, Thrive Wealth Management LLC, recently established a position in SOFI, signaling confidence in the company's potential for growth. However, other market factors may have overshadowed this positive development.
• The company's $1.5 billion share offering sparked discussions about stock dilution and resulted in increased stock volatility. Despite posting strong Q3 earnings and revenue growth, this move led to uncertainty among investors.
• SoFi introduced the SoFi Smart Card and other ambitious projects like crypto services and loan platforms, suggesting potential growth opportunities. Nevertheless, market sentiment appears cautious due to concerns regarding the company's valuation and execution.
• Analysts' price targets for SOFI range from the mid-to-high $20s, with a consensus rating of "Hold/Neutral", indicating mixed investor sentiment. This blend of positive fundamentals and dilution worries likely influenced today's bearish stock performance.

30.00.2026 - SOFI Stock was down 5.5%

• The stock of SoFi experienced a bearish movement, dropping by 3.4% during mid-day trading.
• Despite exceeding recent quarterly estimates for EPS and revenue, the company faces challenges such as tight short-term liquidity and a high P/E ratio.
• Analyst consensus remains at a "Hold" with an average price target of $25.50, and insider selling has been noted, contributing to the negative market sentiment.
• The recent partnership with GoTu for financial well-being tools and the upcoming Q4 earnings report are key factors to watch for potential market recovery.

06.00.2026 - SOFI Stock was down 5.6%

• Despite increased options trading activity and optimistic sentiment leading up to recent events, SoFi witnessed a significant downtrend in its stock price.
• Speculation revolving around an upcoming financial update on January 30 likely prompted some investors to take profits, resulting in the stock's decline.
• The contrast between favorable long-term growth predictions and the recent market volatility underscores the unpredictable nature of stock trading.
• It is crucial for investors to weigh short-term market fluctuations against the long-term growth opportunities when evaluating investment prospects in firms like SoFi Technologies.

03.01.2026 - SOFI Stock was down 5.7%

• SoFi Technologies reported record-breaking financial results for Q4 2025, with impressive net revenue, member growth, and profitability. Despite these positive outcomes, the stock experienced a decline.
• Analysts have expressed concerns about the company's capital-raising strategy and acquisition plans, leading to a decrease in stock value.
• Investors are questioning the justification of the current premium valuation given the recent capital raise and mixed analyst sentiment.
• The market movement could be attributed to the need for SoFi to demonstrate strategic effectiveness and sustainable earnings to regain trust and confidence from investors.