Morgan Stanley Cuts SoFi Technologies (NASDAQ:SOFI) Price Target to $15.00

SoFi Technologies (NASDAQ:SOFI) had its price target lowered by Morgan Stanley from $16.00 to $15.00 in a report issued on Thursday morning,Benzinga reports. The brokerage currently has an underweight rating on the stock.

Other equities research analysts have also issued reports about the stock. UBS Group reduced their price objective on shares of SoFi Technologies from $24.50 to $21.00 and set a “neutral” rating on the stock in a research note on Thursday, April 30th. Barclays dropped their target price on shares of SoFi Technologies from $28.00 to $18.00 and set an “equal weight” rating on the stock in a report on Monday, April 6th. Stephens dropped their price objective on SoFi Technologies from $26.00 to $25.00 and set an “overweight” rating on the stock in a research note on Thursday, April 30th. Truist Financial upped their target price on SoFi Technologies from $17.00 to $18.00 and gave the company a “hold” rating in a research report on Friday, July 24th. Finally, Weiss Ratings cut SoFi Technologies from a “hold (c)” rating to a “hold (c-)” rating in a research note on Tuesday, May 26th. Seven research analysts have rated the stock with a Buy rating, ten have assigned a Hold rating and three have given a Sell rating to the stock. According to data from MarketBeat, the company currently has an average rating of “Hold” and an average price target of $22.38.

SoFi Technologies Price Performance

SoFi Technologies stock opened at $16.31 on Thursday. The stock’s 50 day moving average is $17.29 and its 200 day moving average is $18.43. The company has a debt-to-equity ratio of 0.17, a current ratio of 0.75 and a quick ratio of 0.13. The firm has a market cap of $20.92 billion, a P/E ratio of 33.98 and a beta of 2.14. SoFi Technologies has a one year low of $14.88 and a one year high of $32.73.

SoFi Technologies (NASDAQ:SOFI) last announced its earnings results on Wednesday, July 29th. The company reported $0.12 EPS for the quarter, beating the consensus estimate of $0.11 by $0.01. The business had revenue of $1.21 billion for the quarter, compared to analysts’ expectations of $1.11 billion. SoFi Technologies had a return on equity of 6.39% and a net margin of 14.78%.The firm’s revenue was up 42.5% on a year-over-year basis. During the same period in the prior year, the business posted $0.08 earnings per share. SoFi Technologies has set its FY 2026 guidance at 0.600-0.600 EPS. As a group, research analysts expect that SoFi Technologies will post 0.61 EPS for the current year.

Insider Activity

In other news, EVP Kelli Keough sold 10,954 shares of the stock in a transaction dated Monday, July 20th. The shares were sold at an average price of $17.19, for a total transaction of $188,299.26. Following the transaction, the executive vice president owned 367,728 shares of the company’s stock, valued at $6,321,244.32. This represents a 2.89% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CTO Jeremy Rishel sold 102,123 shares of the firm’s stock in a transaction dated Wednesday, June 17th. The shares were sold at an average price of $17.78, for a total value of $1,815,746.94. Following the completion of the sale, the chief technology officer owned 895,089 shares of the company’s stock, valued at approximately $15,914,682.42. This represents a 10.24% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Over the last 90 days, insiders have sold 135,256 shares of company stock worth $2,370,822. Company insiders own 2.50% 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 company. Brighton Jones LLC increased its stake in SoFi Technologies by 2.0% during 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 in the last quarter. Caxton Associates LLP acquired a new position in SoFi Technologies during the first quarter worth $129,000. Empowered Funds LLC lifted its stake in shares of SoFi Technologies by 5.2% in the first quarter. Empowered Funds LLC now owns 33,126 shares of the company’s stock valued at $385,000 after buying an additional 1,631 shares in the last quarter. Franklin Resources Inc. lifted its stake in shares of SoFi Technologies by 23.2% in the second quarter. Franklin Resources Inc. now owns 13,796 shares of the company’s stock valued at $251,000 after buying an additional 2,596 shares in the last quarter. Finally, Arrowstreet Capital Limited Partnership acquired a new position in shares of SoFi Technologies during the second quarter valued at about $4,633,000. Institutional investors own 38.43% of the company’s stock.

Key Headlines Impacting SoFi Technologies

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

• Positive Sentiment: SoFi reported record Q2 results, with revenue of approximately $1.21 billion, up 42.5% year over year, and adjusted EPS of $0.12 versus the $0.11 consensus estimate. The company also posted its 11th consecutive profitable quarter. Should You Buy, Hold or Fold SoFi Technologies Stock Post Q2 Earnings?
• Positive Sentiment: Member additions, loan originations and product growth reached records, with 1.12 million new members in Q2. Fee-based revenue rose to 39% of total revenue, supporting management’s strategy to diversify beyond lending and build an “everything app.” SoFi Technologies Q2: The Everything App Inflection Just Showed Up In The Numbers
• Positive Sentiment: SoFi raised its full-year 2026 revenue outlook, while analysts and bullish commentators see continued monetization potential from financial-services fees, AI-powered coaching and cross-selling.
• Neutral Sentiment: In a comparison with Nu Holdings, commentary favored SoFi’s broader revenue mix, stronger fee income and capital position, although the comparison does not directly change SoFi’s fundamentals. Nu vs. SoFi: Which Digital Banking Stock Is the Better Investment Now?
• Negative Sentiment: The company left its 2026 profit guidance unchanged despite raising revenue guidance, signaling that incremental revenue will be reinvested in growth. Net charge-offs increased to about $204.5 million from $160.3 million a year earlier, intensifying concerns about credit quality and capital intensity.
• Negative Sentiment: Analysts reduced targets following the report: Mizuho cut its target to $22 while maintaining “outperform,” Wells Fargo lowered its target to $17 with an “equal weight” rating, and Morgan Stanley cut its target to $15 with an “underweight” rating.
• Negative Sentiment: Recent insider selling, including an executive’s sale of SoFi shares, added further short-term selling pressure and reinforced investor caution. SoFi Technologies Trading Down Following Insider Selling

About SoFi Technologies

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.