TLDR:
- SoFi Technologies (SOFI) stock gapped down 10.3% from $17.92 to $16.28
- Company beat Q4 earnings estimates by $0.01, reporting $0.05 EPS
- Heavy trading volume of 107 million shares vs average 47.8 million
- Insiders sold over 26 million shares worth $416.9 million in past 90 days
- Analysts divided: 4 sell, 5 hold, 5 buy ratings with $11.71 average price target
SoFi Technologies (NASDAQ:SOFI) shares tumbled Monday, opening at $15.93 after closing at $17.92 on Friday, marking a steep decline despite the company reporting better-than-expected quarterly earnings.
The financial technology company posted earnings of $0.05 per share for the quarter, exceeding analyst estimates of $0.04. This represents a penny improvement over the consensus forecast and shows growth from the $0.04 per share earned in the same quarter last year.
Trading volume surged to 107 million shares, more than double the average daily volume of 47.8 million, indicating heavy investor activity during the sell-off. The stock traded between $15.93 and $16.28 during the session.

SoFi updated its guidance for the upcoming periods, projecting earnings per share of $0.03 for Q1 2025 and between $0.25 and $0.27 for the full fiscal year 2025.
The company’s financial metrics show a mixed picture. While maintaining a net margin of 8.38% and a return on equity of 3.71%, SoFi operates with a debt-to-equity ratio of 0.52. The company’s quick ratio stands at 0.18, while its current ratio is 0.49.
Insider trading activity has been notably heavy over the past 90 days. Corporate insiders sold 26,008,870 shares valued at approximately $416.9 million during this period. Among the sellers, Director Iv (Gp) L.L.C. Slta disposed of 24,105,908 shares at $16.03 per share.
Additional insider sales included CTO Jeremy Rishel’s sale of 64,991 shares at $15.72 per share and EVP Kelli Keough’s sale of 8,914 shares at $17.58 per share.
Market analysts remain divided on SoFi’s prospects. The company currently maintains an average rating of “Hold” based on varied analyst recommendations: four sell ratings, five hold ratings, and five buy ratings.
Price targets from analysts show a wide range. Jefferies Financial Group raised their target to $13.00 with a buy rating, while Mizuho increased their projection to $16.00, also maintaining an outperform rating.
Citigroup stands among the more bullish analysts, setting an $18.00 price target with a buy recommendation. In contrast, Keefe, Bruyette & Woods maintained an underperform rating while raising their target from $7.00 to $8.00.
The stock’s technical indicators reveal both short-term strength and longer-term momentum. SoFi’s 50-day moving average price is $15.75, while the 200-day moving average sits at $11.15.
Institutional investors continue to adjust their positions in the stock. Recent months have seen new investments from firms like Brooklyn Investment Group and Waldron Private Wealth LLC, while others like Capital Performance Advisors and FNY Investment Advisers have established initial positions.
SoFi Technologies operates through three main segments: Lending, Technology Platform, and Financial Services. The company provides various financial products and services across the United States, Latin America, and Canada.
The company’s market capitalization currently stands at $17.45 billion, with a price-to-earnings ratio of 160.82 and a beta of 1.78, indicating higher volatility compared to the broader market.
Trading data shows the stock has moved between a 52-week low of $6.01 and a high of $18.42, highlighting the substantial price range over the past year.
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