Earnings Beat Sparks Debate: Social media discussions surged following SoFi's recent quarterly earnings, marked by record revenue, member growth, and raised guidance for substantial EPS expansion through 2028. Despite these positives, the stock has declined sharply year-to-date, prompting users to question market reactions amid resilient business momentum.
Growth Outlook in Focus: Commentators emphasize projections of 30-40% compound annual growth in revenue and earnings, positioning the company for potential S&P 500 inclusion and further expansion. Many highlight attractive valuations relative to forecasts, with insider buying and analyst upgrades adding to the conversation.
Dip Buying Momentum: Amid downgrades from some quarters, optimistic voices point to marketing investments and fintech leadership as drivers for long-term premium customer acquisition. The sentiment leans toward viewing current levels as compelling entry points for patient investors.
Note: This discussion summary was generated from an AI condensation of post data.
SoFi Insider Trading Activity
SoFi insiders have traded $SOFI stock on the open market 12 times in the past 6 months. Of those trades, 2 have been purchases and 10 have been sales.
Here’s a breakdown of recent trading of $SOFI stock by insiders over the last 6 months:
- JEREMY RISHEL (Chief Technology Officer) has made 0 purchases and 2 sales selling 190,570 shares for an estimated $5,161,695.
- STEVEN J FREIBERG sold 94,225 shares for an estimated $1,913,709
- KELLI KEOUGH (EVP, GBUL, SIPS) has made 0 purchases and 6 sales selling 59,926 shares for an estimated $1,571,978.
- ARUN PINTO (Chief Risk Officer) sold 46,132 shares for an estimated $1,142,219
- ROBERT S LAVET (General Counsel) purchased 5,000 shares for an estimated $105,220
- ERIC SCHUPPENHAUER (EVP GBUL Borrow) purchased 5,000 shares for an estimated $99,650
To track insider transactions, check out Quiver Quantitative's insider trading dashboard.
SoFi Revenue
SoFi had revenues of $1B in Q4 2025. This is an increase of 39.63% from the same period in the prior year.
You can track SOFI financials on Quiver Quantitative's SOFI stock page.
SoFi Hedge Fund Activity
We have seen 545 institutional investors add shares of SoFi stock to their portfolio, and 377 decrease their positions in their most recent quarter.
Here are some of the largest recent moves:
- JPMORGAN CHASE & CO added 17,341,327 shares (+37.1%) to their portfolio in Q4 2025, for an estimated $453,995,940
- UBS AM, A DISTINCT BUSINESS UNIT OF UBS ASSET MANAGEMENT AMERICAS LLC removed 10,412,793 shares (-71.6%) from their portfolio in Q4 2025, for an estimated $272,606,920
- JANE STREET GROUP, LLC removed 8,628,924 shares (-47.2%) from their portfolio in Q4 2025, for an estimated $225,905,230
- SUSQUEHANNA INTERNATIONAL GROUP, LLP added 7,904,894 shares (+278.5%) to their portfolio in Q3 2025, for an estimated $208,847,299
- BLACKROCK, INC. added 6,756,123 shares (+10.8%) to their portfolio in Q4 2025, for an estimated $176,875,300
- VOLORIDGE INVESTMENT MANAGEMENT, LLC removed 6,482,683 shares (-39.3%) from their portfolio in Q3 2025, for an estimated $171,272,484
- BANK OF AMERICA CORP /DE/ removed 6,196,203 shares (-32.6%) from their portfolio in Q3 2025, for an estimated $163,703,683
To track hedge funds' stock portfolios, check out Quiver Quantitative's institutional holdings dashboard.
SoFi Analyst Ratings
Wall Street analysts have issued reports on $SOFI in the last several months. We have seen 3 firms issue buy ratings on the stock, and 1 firms issue sell ratings.
Here are some recent analyst ratings:
- Needham issued a "Buy" rating on 10/29/2025
- Keefe, Bruyette & Woods issued a "Underperform" rating on 10/29/2025
- Citigroup issued a "Buy" rating on 10/29/2025
- Mizuho issued a "Outperform" rating on 09/18/2025
To track analyst ratings and price targets for SoFi, check out Quiver Quantitative's $SOFI forecast page.
SoFi Price Targets
Multiple analysts have issued price targets for $SOFI recently. We have seen 11 analysts offer price targets for $SOFI in the last 6 months, with a median target of $28.0.
Here are some recent targets:
- Devin Ryan from Citizens set a target price of $30.0 on 02/09/2026
- Reginald Smith from JP Morgan set a target price of $31.0 on 02/03/2026
- Kyle Peterson from Needham set a target price of $33.0 on 02/02/2026
- Terry Ma from Barclays set a target price of $28.0 on 01/06/2026
- Michael Ng from Goldman Sachs set a target price of $24.0 on 01/06/2026
- Matthew Coad from Truist Securities set a target price of $28.0 on 11/25/2025
- Tim Chiodo from UBS set a target price of $27.5 on 10/30/2025
This article is not financial advice. See Quiver Quantitative's disclaimers for more information. Note that there may be inaccuracies due to mistakes in ticker-mapping, and other anomalies.
