SoFi Technologies Inc. ($SOFI) Stock Forecast: Down 6.6% Today

What is SoFi Technologies Inc.?

SoFi Technologies (SOFI) is a financial technology company that offers a variety of products and services, including lending, investing, and financial management solutions. The company has been experiencing significant growth in its member base and product offerings.

Why is SoFi Technologies Inc. going down?

SOFI stock is down 6.6% on Feb 5, 2026 20:38

• 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.

SOFI Price Chart

SOFI Technical Analysis

SOFI News

SoFi Stock Slides Despite Analyst Upgrade: 'Momentum In The Business Is Undeniable'

SoFi Technologies (SOFI) shares dropped on Tuesday despite an upgrade from JPMorgan analyst Reginald Smith, who raised the rating to Overweight and reiterated a $31 price target. The stock decline followed a strong fourth-quarter earnings report that included record results and better-than-expected 2026 adjusted EBITDA guidance. JPMorgan cited SoFi's undeniable momentum in member and deposit growth, while acknowledging that near-term guidance for Q1 2026 was slightly below Street expectations due to aggressive marketing and product development investments.

https://www.benzinga.com/trading-ideas/movers/26/02/50346188/sofi-stock-slides-despite-analyst-upgrade-momentum-in-the-business-is-undeniable

SoFi Technologies Faces Challenges Amid Equity Strategy Concerns

SoFi Technologies (SOFI) stock has declined over 6% recently, driven by negative market sentiment and concerns over its capital-raising strategy and acquisition plans. Analysts have lowered price targets and issued "Underperform" ratings due to significant cash outflow from operations and an elevated P/E ratio despite strong revenue growth. The company is at a crossroads, needing to demonstrate strategic effectiveness and sustainable earnings to regain market trust.

https://stockstotrade.com/news/sofitechnologiesinc-sofi-news-2026_01_30/

SoFi Reports Fourth Quarter 2025 With Record Net Revenue of $1.0 Billion, Record Member and Product Growth, Net Income of $174 Million

SoFi Technologies, Inc. reported record financial results for the fourth quarter and fiscal year 2025, with net revenue reaching $1.0 billion for the first time. The company achieved record member growth of 35% to 13.7 million members and product growth of 37% to 20.2 million products. SoFi also reported a net income of $174 million and record Adjusted EBITDA of $318 million, while providing guidance for continued growth and profitability in 2026.

https://www.businesswire.com/news/home/20260130224251/en/SoFi-Reports-Fourth-Quarter-2025-With-Record-Net-Revenue-of-%241.0-Billion-Record-Member-and-Product-Growth-Net-Income-of-%24174-Million

Scorecard: How We Graded SoFi Technologies (SOFI) Q4 2025 Earnings

SoFi Technologies (SOFI) reported its first-ever $1 billion quarterly revenue in Q4 2025, exceeding estimates, and added a record 1 million new members. Despite strong operational performance, including increased profitability and improved credit quality, the stock experienced a decline due to a recent capital raise and mixed analyst sentiment. Investors are now questioning if the 30% revenue growth justifies the current premium valuation.

https://finance.yahoo.com/news/scorecard-graded-sofi-technologies-sofi-171053937.html

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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.

18.10.2025 - SOFI Stock was down 5.1%

• SoFi's upgraded outlook with strengthening scalable profitability was not enough to offset the bearish sentiment in the market.
• The rise in short interest as a percent of float may have contributed to the downward pressure on the stock.
• The launch of SoFi Crypto, while innovative, may not have been sufficient to drive a positive market sentiment today.
• Overall, the combination of factors such as market sentiment, short interest, and new product launches likely led to the bearish movement in SOFI stock today.

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.

20.10.2025 - SOFI Stock was up 6.3%

• The strong bullish movement in SOFI's stock today can be attributed to the upgraded outlook driven by strengthening scalable profitability. This positive development has likely attracted investors and boosted confidence in the company's future prospects.
• The unusual options activity indicating a bearish move on SOFI might have initially caused some uncertainty in the market. However, the subsequent news of the upgraded outlook seems to have outweighed any bearish sentiment.
• The shift in trader sentiment from 50% bearish to 44% bullish could indicate a growing optimism among investors regarding SOFI's potential for growth and profitability.
• Overall, the combination of positive updates regarding scalable profitability and an improved outlook for the company's future financial performance likely fueled the strong bullish movement in SOFI's stock today.

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.