Analysts' ratings for SoFi Technologies (NASDAQ:SOFI) over the last quarter vary from bullish to bearish, as provided by 4 analysts.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 1 | 0 | 3 | 0 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 2 | 0 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 0 |
| 3M Ago | 0 | 0 | 1 | 0 | 0 |
In the assessment of 12-month price targets, analysts unveil insights for SoFi Technologies, presenting an average target of $28.25, a high estimate of $33.00, and a low estimate of $24.00. A 3.42% drop is evident in the current average compared to the previous average price target of $29.25.
Diving into Analyst Ratings: An In-Depth Exploration
In examining recent analyst actions, we gain insights into how financial experts perceive SoFi Technologies. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Kyle Peterson | Needham | Lowers | Buy | $33.00 | $36.00 |
| Terry Ma | Barclays | Raises | Equal-Weight | $28.00 | $23.00 |
| Michael Ng | Goldman Sachs | Lowers | Neutral | $24.00 | $27.00 |
| Matthew Coad | Truist Securities | Lowers | Hold | $28.00 | $31.00 |
Key Insights:
- Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to SoFi Technologies. This insight gives a snapshot of analysts' perspectives on the current state of the company.
- Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of SoFi Technologies compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of SoFi Technologies's stock. This examination reveals shifts in analysts' expectations over time.
For valuable insights into SoFi Technologies's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
Stay up to date on SoFi Technologies analyst ratings.
All You Need to Know About SoFi Technologies
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Financial Milestones: SoFi Technologies's Journey
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Revenue Growth: SoFi Technologies's remarkable performance in 3M is evident. As of 31 December, 2025, the company achieved an impressive revenue growth rate of 6.6%. This signifies a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: SoFi Technologies's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 16.93%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): SoFi Technologies's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 1.8%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): SoFi Technologies's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.36%, the company may face hurdles in achieving optimal financial returns.
Debt Management: SoFi Technologies's debt-to-equity ratio is below the industry average at 0.18, reflecting a lower dependency on debt financing and a more conservative financial approach.
Analyst Ratings: Simplified
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
This article was generated by Benzinga's automated content engine and reviewed by an editor.
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