Fintech and digital banking player SoFi Technologies (SOFI) is up 70% year-to-date, signaling strong investor confidence. The company delivered record Q2 adjusted net revenue of $858 million, a 44% jump from last year. Management also raised its 2025 revenue outlook to $3.38 billion, pointing to about 30% growth, above the prior 24–27% range. Also, Citi’s Top analyst Peter Christiansen recently boosted his price target on the stock to $28 from $18 while keeping a Buy rating. He pointed to “multiple tailwinds” supporting SOFI’s growth
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Yet, some investors remain cautious about the stock’s premium valuation. With these updates in focus, let’s take a closer look at SOFI’s ownership structure using TipRanks’ Ownership tools.
Now, according to TipRanks’ ownership page, public companies and individual investors own 68.14% of SOFI. They are followed by ETFs, mutual funds, other institutional investors, and insiders, at 11.81%, 10.88%, 5.39%, and 3.78%, respectively.
Digging Deeper into SOFI’s Ownership Structure
Looking closely at top shareholders, Vanguard owns the highest stake in SOFI at 7.93%. Next up is Vanguard Index Funds, which holds a 7.63% stake in the company.
Among the top ETF holders, the Vanguard Total Stock Market ETF (VTI) owns a 2.86% stake in SoFi Technologies stock, followed by the Vanguard Small-Cap ETF (VB) with a 2.16% stake.
Moving to mutual funds, Vanguard Index Funds holds about 7.63% of SOFI. Meanwhile, Fidelity Concord Street Trust owns 0.93% of the stock.
Is SOFI Stock a Buy, Sell, or Hold?
According to TipRanks’ consensus, SOFI stock has a Hold consensus rating based on six Buys, 10 Holds, and four Sells assigned in the last three months. At $20.53, the average SoFi stock price target implies a 22% downside from current levels.
